vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am following up on my previous CFPB complaint, which remains under investigation, regarding an inaccurate charge-off entry on my Equifax credit report for XXXX XXXX Account Number : XXXX * * ) * * with a reported balance of {$0.00}. This entry is false and likely the result of a data breach, which can lead to the mishandling of personal data and the reporting of unverified information on my credit file. Given the impact of this error on my credit score and financial stability, it is critical that this matter be addressed immediately.

Under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681 ( a ) ( 5 ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days and remove any inaccurate, incomplete, or unverifiable information. Recent findings by the CFPB have also highlighted Equifaxs ongoing failure to properly investigate consumer disputes, further emphasizing the need for immediate corrective action in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am following up on my previous CFPB complaint, which remains under investigation, regarding multiple inaccurate late payment entries on my credit reports from all three bureaus. These entries include XXXX ( Account Number : XXXXXXXX XXXX XXXX  ), XXXX  XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, each with a balance and past due amount of {$0.00}. These entries are clearly inaccurate, as I have not missed any payments on these accounts, and the reported past due amounts are false. Given the sensitive nature of my financial information, it is highly likely that these errors are the result of a data breach, leading to the mishandling and misreporting of my credit data. 

Under 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), credit reporting agencies are required to ensure the accuracy of reported late payment data. The continued presence of these false late payment entries on my credit reports is a clear violation of these federal laws, which mandate the correction of unverified, inaccurate, or incomplete information. Allowing these errors to persist without proper investigation undermines my financial credibility and disrupts my ability to obtain fair credit terms.

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 2025-05-13 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:
I discovered an account that was not reporting correctly when I recently checked my credit report. On an account that was actually paid on time, I had two late payments. All information must be reported by the consumer reporting agencies with perfect accuracy. Payments on this account have never been late. A copy of my report on this complaint from the following dates is attached ( XX/XX/2023, XX/XX/2023 ). I now ask that you look into this account and change these payments to be made on time right away. I appreciate your quick response and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I am following up on my previous CFPB complaint, which remains under investigation, regarding multiple inaccurate late payment entries on my credit reports from all three bureaus. These entries include XXXX  ( Account Number : XXXX * * ), XXXX  XXXX  ( Account Number : XXXX * * * * ), and XXXXXXXX XXXX  XXXX  ( Account Number : XXXX * * * * ) * *, each with a balance and past due amount of {$0.00}. These entries are clearly inaccurate, as I have not missed any payments on these accounts, and the reported past due amounts are false. Given the sensitive nature of my financial information, it is highly likely that these errors are the result of a data breach, leading to the mishandling and misreporting of my credit data. 

Under 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ), credit reporting agencies are required to ensure the accuracy of reported late payment data. The continued presence of these false late payment entries on my credit reports is a clear violation of these federal laws, which mandate the correction of unverified, inaccurate, or incomplete information. Allowing these errors to persist without proper investigation undermines my financial credibility and disrupts my ability to obtain fair credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-05-13 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: GA

Complaint narrative:
After being notified that my personal information was involved in a data breach, I obtained a new copy of my credit report. I was alarmed to find additional accounts that I do not recognize and never authorized. 

I previously contacted the credit reporting agencies by phone and certified mail to request verification of these accounts. Despite being unverified, one or more of these accounts continue to appear on my credit profile. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681 No written consent was given to furnish this information.


15 U.S.C. 1681c-2 Reporting accounts resulting from identity theft is prohibited. 15 U.S.C. 1681e ( b ) Reporting unverifiable information fails the requirement for maximum accuracy.

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 2025-05-13 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: GA

Complaint narrative:
After being notified that my personal information was involved in a data breach, I obtained a new copy of my credit report. I was alarmed to find additional accounts that I do not recognize and never authorized. 

I previously contacted the credit reporting agencies by phone and certified mail to request verification of these accounts. Despite being unverified, one or more of these accounts continue to appear on my credit profile. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681 No written consent was given to furnish this information.


15 U.S.C. 1681c-2 Reporting accounts resulting from identity theft is prohibited. 15 U.S.C. 1681e ( b ) Reporting unverifiable information fails the requirement for maximum accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was part of data breach and ever since my scores have been declining and inaccurate information of accounts has been added to my report, companies looking into my report I have no knowledge of, have been requested to provide drivers license and social security card by out of country representatives of the credit bureau company and still not able to have access to my reports, my information has been breached twice and every time my score drops down into the XXXX and even XXXX, when I worked hard to keep and have my score XXXX and XXXX, scores are continuing to drop and I have not opened any account nor do I owe and my income is on my report as to the source of income, that is no one business as to my income, I am not sure who is putting all of that on the report and I know this from the last time I was told by my realtor that there was things on my report that should not be there

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 2025-05-13 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: CA

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts.

2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Written notice of your findings within the 30-day period allowed by law. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CT

Complaint narrative:
I am disputing inaccurate late payment entries for XXXX ( Account Number : XXXX XXXX XXXX ) XXXX XXXX, dated XX/XX/year>, which are being reported on my XXXX, Experian, and Equifax credit reports. These entries reflect a balance and past due amount of {$0.00}, which clearly indicates that the account is not past due and has no outstanding balance. The presence of a {$0.00} balance and past due amount directly contradicts the inaccurate late payment remarks, highlighting a critical oversight by both the creditor and the credit bureaus in ensuring the accuracy of my credit report. This type of error has already negatively impacted my financial profile, leading to unjust denials for credit, higher interest rates, and damaged financial credibility, despite my clear efforts to maintain timely payments. Such inaccuracies are particularly damaging in todays financial landscape, where even a single late payment can drastically lower credit scores and hinder access to essential financial products. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) ), credit reporting agencies are required to accurately reflect my payment history and promptly correct any inaccuracies. Allowing these incorrect late payment remarks to remain, despite the clear evidence of a {$0.00} balance and past due amount, is a direct violation of these federal laws. This failure to maintain accurate data not only undermines the integrity of the credit reporting system but also exposes consumers like me to unnecessary financial harm, further compounding the damage to my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TN

Complaint narrative:
ACCORDING TO 15 UaSC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!

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 2025-05-13 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: TN

Complaint narrative:
ACCORDING TO 15 UaSC 1681N ( A ) ( 1 ) ANY ACTUAL DAMAGES SUSTAINED BY THE CONSUMER AS A RESULT OF THE FAILURE OR DAMAGES OF NOT LESS THAN {$100.00} AND NOT MORE THAN {$1000.00} ; I WANT ONE THOUSAND PER VIOLATION OR REMOVE ACCOUNT!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
Experian is inaccurately reporting two XXXX XXXX ( XXXX ) accounts on my credit file as both Charge-Off and In Collections at the same time. This dual status is contradictory and legally improper, as a charged-off account is, by definition, a canceled or written-off debt that is no longer legally collectible unless properly revalidated. 

The accounts in question are : XXXX Line of Credit Account # : XXXX * * * * Balance : {$1300.00} Last Reported : XX/XX/year> XXXX Revolving Credit Card Account # : XXXX * * * * Balance : {$4100.00} Last Reported : XX/XX/year> Both accounts include comments that they were assigned to collections, closed, and charged off, while simultaneously appearing as active collection debts. Additionally, I have never received IRS Form 1099-C for either account, despite both being over the {$600.00} threshold for debt cancellation reporting under 26 U.S.C. 6050P.

This reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandating removal of unverifiable disputed data within 30 days ; 15 U.S.C. 1681s-2 ( b ) prohibiting furnishers from reporting inaccurate or unverified data. 

I submitted a written legal demand to Experian on XX/XX/year>, requesting immediate deletion or full legal validation including copies of 1099-C forms, original signed contracts, and full account histories. As of today, Experian has not complied, and the accounts continue to harm my credit. 

I am now requesting CFPB assistance to compel Experian to comply with federal consumer protection and tax laws.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MO

Complaint narrative:
My car was incorrectly repossessed in XX/XX/year>2023. I made a payment the day it was taken which kept me out of it being repossessed. The company admitted to making this mistake. I would like the repossession removed from my credit report.

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 2025-05-13 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: MO

Complaint narrative:
My car was incorrectly repossessed in XX/XX/year>2023. I made a payment the day it was taken which kept me out of it being repossessed. The company admitted to making this mistake. I would like the repossession removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Subject : Failure to Delete Improperly Reported Child Support Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian for failing to remove an improperly reported child support judgment from my credit report.

Creditor Name : Texas Office of Attorney General Child Support Division Account Number : XXXX Credit Bureau XXXX : Experian, Equifax, Transunion According to 15 U.S.C. 1681b ( b ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), child support judgments are not credit transactions and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement.

I first contacted Experian, Equifax, and Transunion and Texas Office of Attorney General Child Support Division on XX/XX/2025 and XX/XX/2025 and formally requested deletion of the account. They have failed to comply within the required timeframe or provide valid justification for reporting this account. This is a clear violation of federal law and is negatively impacting my credit profile. 

Resolution Sought Immediate deletion of this account from my credit report.

Written confirmation of its removal. 
A formal investigation into Experians noncompliance with FCRA regulations.

Please take swift action to enforce compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
Subject : Failure to Delete Improperly Reported Child Support Judgment Violation of FCRA Complaint Details : I am filing a formal complaint against Experian for failing to remove an improperly reported child support judgment from my credit report.

Creditor Name : Texas Office of Attorney General Child Support Division Account Number : XXXX Credit Bureau XXXX : Experian, Equifax, Transunion According to 15 U.S.C. 1681b ( b ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), child support judgments are not credit transactions and can not be reported unless the consumer has given written consent or entered into a contractual agreement that meets the legal definition of a credit transaction. I have never provided such consent or entered into such an agreement.

I first contacted Experian, Equifax, and Transunion and Texas Office of Attorney General Child Support Division on XX/XX/2025 and XX/XX/2025 and formally requested deletion of the account. They have failed to comply within the required timeframe or provide valid justification for reporting this account. This is a clear violation of federal law and is negatively impacting my credit profile. 

Resolution Sought Immediate deletion of this account from my credit report.

Written confirmation of its removal. 
A formal investigation into Experians noncompliance with FCRA regulations.

Please take swift action to enforce compliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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