vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing a complaint regarding a 30 day late payment reported by XXXX XXXX  in XX/XX/year>. The account is now closed and fully paid off. I contacted XXXX XXXX  to request a goodwill adjustment based on a one-time error caused by unique and verifiable closing delays, including IRS-related buyer issues, late arrival to closing, delayed recording, and a short wire that had to be corrected the next business day. 
I had also set up bi-weekly payments, and in XX/XX/year>, there was a third debit that I did not realize required me to contact the servicer to apply it to a future payment another technicality that contributed to this unusual circumstance. 

I have had nearly perfect credit for almost 20 years and have never missed a mortgage payment before. My attorney has provided a letter confirming the timeline and verifying that the delays were entirely outside of my control. I submitted a formal goodwill letter to XXXX XXXX  outlining all of this. 

Their response was to reject my request, stating that we must report factual data and that XXXX XXXX does not change credit reporting as a courtesy or facilitate the restoration of credit. 

I believe this misrepresents the Fair Credit Reporting Act ( FCRA ). The FCRA does not require creditors to report negative information it only requires that what is reported be accurate. XXXX XXXX  is choosing not to exercise discretion, even though the account is paid, closed, and no longer presents any risk. 

As a result of this isolated event, I am being denied both home loans and rental opportunities due to one late payment on an otherwise perfect record. I am requesting that this complaint be reviewed, and that XXXX XXXX  be encouraged to reconsider the removal of this derogatory mark as a goodwill exception. 
I am attaching the original letter I sent to XXXX XXXX, supporting documents from both attorneys, and their written refusal to consider the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing a complaint regarding a 30 day late payment reported by XXXX Mortgage in XX/XX/year>. The account is now closed and fully paid off. I contacted XXXX XXXX  to request a goodwill adjustment based on a one-time error caused by unique and verifiable closing delays, including IRS-related buyer issues, late arrival to closing, delayed recording, and a short wire that had to be corrected the next business day. 
I had also set up bi-weekly payments, and in XX/XX/year>, there was a third debit that I did not realize required me to contact the servicer to apply it to a future payment another technicality that contributed to this unusual circumstance. 

I have had nearly perfect credit for almost 20 years and have never missed a mortgage payment before. My attorney has provided a letter confirming the timeline and verifying that the delays were entirely outside of my control. I submitted a formal goodwill letter to XXXX XXXX  outlining all of this. 

Their response was to reject my request, stating that we must report factual data and that XXXX XXXX  does not change credit reporting as a courtesy or facilitate the restoration of credit. 

I believe this misrepresents the Fair Credit Reporting Act ( FCRA ). The FCRA does not require creditors to report negative information it only requires that what is reported be accurate. XXXX XXXX  is choosing not to exercise discretion, even though the account is paid, closed, and no longer presents any risk. 

As a result of this isolated event, I am being denied both home loans and rental opportunities due to one late payment on an otherwise perfect record. I am requesting that this complaint be reviewed, and that XXXX XXXX  be encouraged to reconsider the removal of this derogatory mark as a goodwill exception. 
I am attaching the original letter I sent to XXXX XXXX, supporting documents from both attorneys, and their written refusal to consider the request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing a complaint regarding a 30 day late payment reported by XXXX XXXX  in XX/XX/year>. The account is now closed and fully paid off. I contacted XXXX XXXX  to request a goodwill adjustment based on a one-time error caused by unique and verifiable closing delays, including IRS-related buyer issues, late arrival to closing, delayed recording, and a short wire that had to be corrected the next business day. 
I had also set up bi-weekly payments, and in XX/XX/year>, there was a third debit that I did not realize required me to contact the servicer to apply it to a future payment another technicality that contributed to this unusual circumstance. 

I have had nearly perfect credit for almost 20 years and have never missed a mortgage payment before. My attorney has provided a letter confirming the timeline and verifying that the delays were entirely outside of my control. I submitted a formal goodwill letter to XXXX XXXX  outlining all of this. 

Their response was to reject my request, stating that we must report factual data and that XXXX XXXX  does not change credit reporting as a courtesy or facilitate the restoration of credit. 

I believe this misrepresents the Fair Credit Reporting Act ( FCRA ). The FCRA does not require creditors to report negative information it only requires that what is reported be accurate. XXXX XXXX  is choosing not to exercise discretion, even though the account is paid, closed, and no longer presents any risk. 

As a result of this isolated event, I am being denied both home loans and rental opportunities due to one late payment on an otherwise perfect record. I am requesting that this complaint be reviewed, and that XXXX XXXX  be encouraged to reconsider the removal of this derogatory mark as a goodwill exception. 
I am attaching the original letter I sent to XXXX XXXX, supporting documents from both attorneys, and their written refusal to consider the request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am writing to formally dispute certain hard inquiries that appear on my credit report, which I believe were made without my proper authorization or in violation of the Fair Credit Reporting Act ( FCRA ), Section 604. 

The following inquiries are in question : XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recall applying for credit with these entities, nor did I XXXX them permission to access my credit file. According to the FCRA, a hard inquiry XXXX only be made with my express permission in connection with a permissible purpose, such as a credit application. If these entities can not provide proof of my written authorization, these inquiries must be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the reinstatement of a valid address that was recently removed from my credit report following a dispute I submitted. While my intent was to remove an inaccurate address, I was informed that all addresses, including a valid and currently used one, were deleted from my report.

The address in question is : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX This address is legitimate and is associated with multiple active credit accounts currently reporting to Experian. Since its removal, I have experienced difficulty accessing my credit report due to a mismatch between the information Experian holds and the information my creditors have on file. 
Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), you are required to maintain accurate and complete information in consumer credit files. Therefore, I am exercising my rights to request that you promptly reinsert this valid address into my credit file to ensure proper identification and reporting.

I am including the following supporting documentation : A copy of my government-issued photo ID Proof of current residence ( utility bill, lease agreement, or bank statement )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This XXXX XXXX account is reporting with severe inaccuracies, inconsistencies, and violations of the Fair Credit Reporting Act ( FCRA ) across all three major credit bureaus. The account is damaging, misleading, and should be deleted immediately. 

The account shows conflicting balances, different high credit amounts ( {$16000.00} vs. {$12000.00} ), and inconsistent last reported dates. The remarks are also contradictory some say charged off, others say transferred to recovery or unpaid balance reported as a loss. These mixed statuses create confusion, harm my credit standing, and violate XXXX XXXX guidelines and FCRA 623 ( a ). This reporting is not only incorrect but dangerously misleading. 

I previously requested an investigation and proper documentation, and no verifiable proof of accuracy was provided. The account remains incorrect, incomplete, and unverifiable, and therefore must be permanently deleted from all credit reports. Continuing to report this account is negligent, unlawful, and unacceptable. 

I am demanding immediate deletion of this account from XXXX, Experian, and XXXX. It is not fixable it is already proven to be inaccurate, incomplete, and harmful. Deletion is the only just and legal resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This XXXX XXXX account is reporting with severe inaccuracies, inconsistencies, and violations of the Fair Credit Reporting Act ( FCRA ) across all three major credit bureaus. The account is damaging, misleading, and should be deleted immediately. 

The account shows conflicting balances, different high credit amounts ( {$16000.00} vs. {$12000.00} ), and inconsistent last reported dates. The remarks are also contradictory some say charged off, others say transferred to recovery or unpaid balance reported as a loss. These mixed statuses create confusion, harm my credit standing, and violate XXXX XXXX guidelines and FCRA 623 ( a ). This reporting is not only incorrect but dangerously misleading. 

I previously requested an investigation and proper documentation, and no verifiable proof of accuracy was provided. The account remains incorrect, incomplete, and unverifiable, and therefore must be permanently deleted from all credit reports. Continuing to report this account is negligent, unlawful, and unacceptable. 

I am demanding immediate deletion of this account from XXXX, Experian, and XXXX. It is not fixable it is already proven to be inaccurate, incomplete, and harmful. Deletion is the only just and legal resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation