vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: AR

Complaint narrative:
* * Subject : * * FCRA 605B Fraudulent Account Immediate Block and Removal Required To Whom It May Concern, This is a formal notice and request under the Fair Credit Reporting Act, 605B ( 15 USC 1681c2 ), to block and remove a fraudulent account from my credit file.

* * The account in question : * * Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  This account is the result of identity theft and is not mine. Both XXXX XXXX XXXX  have removed it from my credit file. The collection agency, XXXX XXXX XXXX XXXX, has also removed their entry from all bureaus. 

I contacted XXXX XXXX XXXX directly and spoke with XXXX who confirmed verbally and in writing ( copy enclosed ) that they no longer own or service this loan, can not process a fraud report, and that it was sold to a third party. The party who purchased it has confirmed deletion from reporting. 

Despite this, TransUnion continues to report this account as verified, which is not possible based on the creditors own written statement. This constitutes a clear violation of my rights under the FCRA, specifically 605B, which requires that a credit reporting agency block reporting of information resulting from identity theft within * * four business days * * after receiving the required documentation. 

Enclosed are : * Government-issued photo ID * Proof of address * FTC Identity Theft Report * Police report * Email from XXXX XXXX XXXX confirming they do not own or service the account * Copy of my credit report highlighting the account I am hereby notifying you that upon confirmation from the Consumer Financial Protection Bureau that you have received this dispute, you have * * four ( 4 ) business days * * to remove this account from my credit file. Failure to comply will constitute willful noncompliance with the FCRA and I will pursue all legal remedies available, including civil action for damages under 15 USC 1681n and 1681o.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX is showing over XXXX open balances on my credit report that I do not owe. I most of the balances are paid and the few that are still open they have transferred to a XXXX XXXX debt collector and its not fair that I can be contacted by affirm and the XXXX XXXX debt collector. I even asked the XXXX party to update the information since they are collecting and reporting and they said they had no knowledge of what XXXX reported and could not correct it. I think consumers need to know and understand what they are getting into before they use the pay in XXXX platform and to check their credit report often for errors.

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 2025-08-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, incomplete, and unverifiable information to Equifax, Experian, and TransUnion. 

On XX/XX/year>, XXXX responded to my dispute ( letter attached ) but failed to provide validation. They merely restated balances without providing original agreements, payment history, or documentation of ownership. 

Despite admitting the loans are in charge-off status, XXXX continues to report them as delinquent and update monthly, which constitutes illegal re-aging under Metro 2 standards. 

XXXX  falsely stated that credit bureaus determine how UNIFYs name appears, when in fact the furnisher is responsible for accurate Metro 2 reporting. 

My credit reports clearly show these tradelines as consumer disputes reported as fraud by consumer, yet XXXX letter ignored the fraud investigation entirely. 

Finally, XXXX threatened collection by stating charge-off does not mean uncollectable without validating or proving current ownership, which is misleading. 

These actions violate the FCRA ( 611, 623, 1681e ( b ) ), Metro 2 standards, and FDCPA.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
I requested that XXXX  XXXX XXXX remove the late payments from my credit report due to a system error on their part. I had enrolled in auto-pay, as well as email and text alerts, to ensure the minimum monthly payment would be withdrawn from my checking account when I first activated my account. 

At the time of approval, I also accepted their offer to transfer a balance from another credit card, but the transfer was never completed. I attempted to call XXXX  XXXX XXXX but was unable to reach anyone. Later, I received a credit alert showing my score had dropped by XXXX points, and XXXX months of late payments were reported. These late payments were for \ {$56.00} in XXXX and XXXX. 

I never received any text message, email, or mailed notice about a missed payment. I was told their system automatically locks accounts, and they promised to update my credit report. However, I was transferred to another agent, and my account was locked because the representative failed to update my phone number. 

As a result, I still can not access my account and have now been told I must physically go to a branch to resolve the issue. All of my other credit accounts are paid on time with no late payments reported on any of my other credit cards.

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 2025-08-16 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: NC

Complaint narrative:
I requested that XXXX  XXXX XXXX remove the late payments from my credit report due to a system error on their part. I had enrolled in auto-pay, as well as email and text alerts, to ensure the minimum monthly payment would be withdrawn from my checking account when I first activated my account. 

At the time of approval, I also accepted their offer to transfer a balance from another credit card, but the transfer was never completed. I attempted to call XXXX XXXX XXXX but was unable to reach anyone. Later, I received a credit alert showing my score had dropped by XXXX points, and XXXX months of late payments were reported. These late payments were for \ {$56.00} in XXXX and XXXX. 

I never received any text message, email, or mailed notice about a missed payment. I was told their system automatically locks accounts, and they promised to update my credit report. However, I was transferred to another agent, and my account was locked because the representative failed to update my phone number. 

As a result, I still can not access my account and have now been told I must physically go to a branch to resolve the issue. All of my other credit accounts are paid on time with no late payments reported on any of my other credit cards.

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 2025-08-16 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: NC

Complaint narrative:
I requested that XXXX  XXXX XXXX remove the late payments from my credit report due to a system error on their part. I had enrolled in auto-pay, as well as email and text alerts, to ensure the minimum monthly payment would be withdrawn from my checking account when I first activated my account. 

At the time of approval, I also accepted their offer to transfer a balance from another credit card, but the transfer was never completed. I attempted to call XXXX  XXXX XXXX but was unable to reach anyone. Later, I received a credit alert showing my score had dropped by XXXX points, and XXXX months of late payments were reported. These late payments were for \ {$56.00} in XXXX and XXXX. 

I never received any text message, email, or mailed notice about a missed payment. I was told their system automatically locks accounts, and they promised to update my credit report. However, I was transferred to another agent, and my account was locked because the representative failed to update my phone number. 

As a result, I still can not access my account and have now been told I must physically go to a branch to resolve the issue. All of my other credit accounts are paid on time with no late payments reported on any of my other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Experian/Equifax/TransUnion ] , I discovered the presence of unauthorized inquiries as well as an obsolete charge-off account that is still being reported. These items are unlawful under federal law and are causing ongoing harm to my creditworthiness.XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Experian/Equifax/TransUnion ] , I discovered the presence of unauthorized inquiries as well as an obsolete charge-off account that is still being reported. These items are unlawful under federal law and are causing ongoing harm to my creditworthiness.XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX and have never had an account before and I was trying to sell my XXXX because I dont intend on using it once I go to university. The guy I was selling to gave me a check and when I deposited he said it was too much money and to send some of it back but the check hadnt been cleared so I caught on that it may be a scam so I decided to wait for my bank to just cancel the check but instead my account was restricted and closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint regarding a charge-off account reported by XXXX XXXX XXXX that appears on my credit reports with Equifax, TransUnion, and Experian XXXX I believe this account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681XXXX XXXXXXXX XXXX has not provided proper verification of this account. Under FCRA 609 and 611, I have the right to request validation, including the original signed agreement, itemized statements, and proof that the account is being reported accurately. To date, no such documentation has been produced. The account is currently showing late payments for XX/XX/scrub> 2025, XX/XX/year>2025, XX/XX/scrub> 2025, and XX/XX/scrub> 2025 on my credit files. These reported delinquencies are inaccurate and misleading. Without complete and verifiable documentation proving that I was truly late during those months, these entries must be deleted. The account is also listed as a charge-off, which suggests a balance is still owed. This does not reflect the true status of the account, whether it was sold, settled, or otherwise resolved. Reporting it as such misrepresents the account and causes significant damage to my creditworthiness, which is a violation of FCRA 607 ( b ) .Because XXXX XXXX XXXX has not demonstrated that this reporting is 100 % accurate, fair, and verifiable, the continued reporting of both the charge-off and the late payments across Equifax, TransUnion, and Experian is misleading and unlawful under the FCRA.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief