vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-26 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:
I am a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
I am a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am requesting a reinvestigation into multiple items appearing on my credit report, as they are either fraudulent or inaccurately reported. Several accounts listed are not mine. I did not authorize, open, or benefit from them. These items appear to be fraudulent, and I have not received any disclosures, billing statements, or signed agreements as required under the Truth in Lending Act ( TILA ) and the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Reporting Act ( FCRA ) 611, I request a detailed reinvestigation and disclosure of the verification process, including the identity of the furnisher.

Additionally, an active account is being reported with a late payment status, which is factually incorrect. I have made timely payments, and this inaccurate reporting violates FCRA 623 and the DoddFrank Acts prohibition against deceptive practices. This negative reporting misrepresents my creditworthiness and causes substantial harm. 

I request a manual, factual-based reinvestigation, not an automated E-OSCAR response. Under FCRA and CFPB guidelines, furnishers and credit bureaus are required to conduct a reasonable investigation and correct or delete inaccurate information. I expect updated reporting and full compliance with the legal timeframes outlined in 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 2025-05-26 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-26 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-26 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: LA

Complaint narrative:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-26 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 XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the credit reporting agencys block the 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. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-26 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: AL

Complaint narrative:
I am writing to dispute inaccurate and misleading information being reported on my credit file related to an account with XXXX XXXX. Specifically, this account was reported as delinquent on XX/XX/year>, then marked as improved/current on XX/XX/year>, and then again reported as delinquent on XX/XX/year>, despite the fact that I have not made any payment during this time. 

This reporting sequence is factually inaccurate and misleading. Furthermore, there is a documented discrepancy in the reported balance across different credit reports. One bureau reflects a {$210.00} balance, while another shows {$110.00}, which is not possible without a payment or balance adjustmentneither of which has occurred. This inconsistency directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which mandates that all furnished information be accurate and verifiable. 

XXXX XXXX actions suggest either an attempt to re-age the account or a fundamental failure to maintain data integrity, both of which are serious violations of consumer protection law. 

If this tradeline is not promptly and permanently corrected or removed, I will initiate arbitration as permitted under the applicable agreement and pursue all legal remedies available to me under the FCRA and other relevant statutes. 

Please investigate and respond within 30 days, as required under FCRA 1681i.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute inaccurate and misleading information being reported on my credit file related to an account with XXXX XXXX. Specifically, this account was reported as delinquent on XX/XX/year>, then marked as improved/current on XX/XX/year>, and then again reported as delinquent on XX/XX/year>, despite the fact that I have not made any payment during this time. 

This reporting sequence is factually inaccurate and misleading. Furthermore, there is a documented discrepancy in the reported balance across different credit reports. One bureau reflects a {$210.00} balance, while another shows {$110.00}, which is not possible without a payment or balance adjustmentneither of which has occurred. This inconsistency directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which mandates that all furnished information be accurate and verifiable. 

XXXX XXXX actions suggest either an attempt to re-age the account or a fundamental failure to maintain data integrity, both of which are serious violations of consumer protection law. 

If this tradeline is not promptly and permanently corrected or removed, I will initiate arbitration as permitted under the applicable agreement and pursue all legal remedies available to me under the FCRA and other relevant statutes. 

Please investigate and respond within 30 days, as required under FCRA 1681i.

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 2025-05-26 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: AL

Complaint narrative:
I am writing to dispute inaccurate and misleading information being reported on my credit file related to an account with XXXX XXXX. Specifically, this account was reported as delinquent on XX/XX/2025, then marked as improved/current on XX/XX/2025, and then again reported as delinquent on XX/XX/2025, despite the fact that I have not made any payment during this time. 

This reporting sequence is factually inaccurate and misleading. Furthermore, there is a documented discrepancy in the reported balance across different credit reports. One bureau reflects a {$210.00} balance, while another shows {$110.00}, which is not possible without a payment or balance adjustmentneither of which has occurred. This inconsistency directly violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which mandates that all furnished information be accurate and verifiable. 

XXXX XXXX actions suggest either an attempt to re-age the account or a fundamental failure to maintain data integrity, both of which are serious violations of consumer protection law. 

If this tradeline is not promptly and permanently corrected or removed, I will initiate arbitration as permitted under the applicable agreement and pursue all legal remedies available to me under the FCRA and other relevant statutes. 

Please investigate and respond within 30 days, as required under FCRA 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
XX/XX/year>, applied for a heloc, Crosscountry Mortgage ( CCM ) changed it to a debit consolidation using rep XXXX XXXX. Which were checks to creditors I didnt request on XXXX XXXX. A week later sold my account to XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, under 30 days which violates Texas law According to the issuing bank and closng XXXX XXXX XXXX. CCM denied having my acct XXXX XXXX on the books. Which was not true since XXXX is still reporting that CCM still has my account. On XXXX XXXX, A man identified as XXXX XXXX from crosscountry said they dropped the ball, but after one question he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> Re : Account # XXXX * * * * Dear Synchrony Bank, Im writing to sincerely thank you for providing me with credit over the years. I am reaching out to kindly request a goodwill adjustment to remove the late payment history reported on my account ending in * * * * for SYNCB/Amazon. 

The late payments occurred during a difficult time in my life, but since then, Ive made every effort to maintain a positive financial track record. The account has been closed and settled, and I am working hard to rebuild my credit. 

Im asking if you would be willing to make a one-time goodwill adjustment and remove the negative late payment history from my TransUnion report. Your consideration would be greatly appreciated as I work toward improving my credit health. 

Thank you for your time and understanding. 

Sincerely, 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
Consumer complaint received 2025-05-26 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:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section XXXX of the FCRA ( XXXX U.S.C. 
XXXX ( a ) ), I request that these accounts be blocked and removed within XXXX  days : 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 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries FCTUALDATA Date : XX/XX/year>

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 2025-05-26 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: TX

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section XXXX of the FCRA ( XXXX U.S.C. 
XXXX ( a ) ), I request that these accounts be blocked and removed within XXXX  days : 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 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries FCTUALDATA Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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 writing to formally dispute the accuracy of federal student loan accounts being reported on my credit file. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: AS

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
2. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : [ XXXX XXXX XXXX XXXXXXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX - XXXX * * * * * * * XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX * * * * * XXXX - XX/XX/XXXX - {$3800.00}

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