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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint and demand immediate action regarding the inaccurate reporting of a bankruptcy on my credit report by credit bureaus. Despite repeated attempts to rectify this issue, the credit bureaus have failed to provide verifiable proof of the accuracy of this entry. According to information obtained from the court, they do not report bankruptcy information to any credit agencies. Therefore, the credit bureaus ' assertion of accuracy lacks credibility and violates my consumer rights.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against the national credit reporting agencies Equifax, Experian, and TransUnion for their failure to adequately investigate and verify debt information that I have disputed under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have submitted multiple debt validation letters and dispute requests to the credit bureaus and debt collectors regarding certain accounts appearing on my credit reports. In response, I have received either generic form letters or no meaningful documentation to prove the debts are valid or belong to me. These responses did not include any supporting evidence such as original signed agreements, itemized statements, or proof of a legal transfer of the debts.

Despite this lack of proper validation, the credit bureaus have continued to report these accounts as accurate without sufficient investigation, violating their duty to conduct a reasonable review of the dispute and to ensure the information they report is accurate and verifiable.

I am requesting that the CFPB investigate these credit bureaus for : Failing to properly investigate disputes under FCRA 611.

Failing to require debt collectors to provide full validation of debts under FDCPA.

Continuing to report disputed debts without proof or verification.

Potentially harming my creditworthiness by reporting unverifiable or inaccurate debt information.

I have made every effort to resolve these issues directly with the credit bureaus and collectors, but my concerns have not been taken seriously. I am now requesting that the CFPB step in to ensure that my rights are upheld and that credit reporting agencies are held accountable for failing to comply with federal law.

Please let me know if you require copies of my letters or responses I have received. I am prepared to provide all documentation upon request.

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: NC

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint against the national credit reporting agencies Equifax, Experian, and TransUnion for their failure to adequately investigate and verify debt information that I have disputed under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have submitted multiple debt validation letters and dispute requests to the credit bureaus and debt collectors regarding certain accounts appearing on my credit reports. In response, I have received either generic form letters or no meaningful documentation to prove the debts are valid or belong to me. These responses did not include any supporting evidence such as original signed agreements, itemized statements, or proof of a legal transfer of the debts.

Despite this lack of proper validation, the credit bureaus have continued to report these accounts as accurate without sufficient investigation, violating their duty to conduct a reasonable review of the dispute and to ensure the information they report is accurate and verifiable.

I am requesting that the CFPB investigate these credit bureaus for : Failing to properly investigate disputes under FCRA 611.

Failing to require debt collectors to provide full validation of debts under FDCPA.

Continuing to report disputed debts without proof or verification.

Potentially harming my creditworthiness by reporting unverifiable or inaccurate debt information.

I have made every effort to resolve these issues directly with the credit bureaus and collectors, but my concerns have not been taken seriously. I am now requesting that the CFPB step in to ensure that my rights are upheld and that credit reporting agencies are held accountable for failing to comply with federal law.

Please let me know if you require copies of my letters or responses I have received. I am prepared to provide all documentation upon 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 2025-05-26 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax promptly block and remove the following fraudulent accounts from my consumer credit file. These accounts were opened as a result of identity theft and do not belong to me. Under the law, Equifax is required to block this information within four business days of receiving this notice.

The following accounts are falsely associated with me and must be eliminated : A loan account with XXXX XXXX opened on XX/XX/year>, with a balance of {$1500.00} In accordance with FCRA Section 611 ( 15 U.S.C. 1681i ), I also dispute these items and demand that Equifax conduct a full reinvestigation. I am requesting a detailed explanation of how each account was verified, including the exact method of verification and any physical documentation relied upon to confirm their accuracy. If Equifax can not produce verifiable evidence, these entries constitute XXXX XXXX fraudulent reporting and must be permanently removed.

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: KY

Complaint narrative:
Ive recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks has been harmful to my life and credit health. This negative mark is preventing me from moving forward financially, and I am requesting your assistance in resolving this issue promptly and fairly. Thank you for your time and attention to this matter. I look forward to your 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: 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: PR

Complaint narrative:
I am filing this complaint due to conflicting and inaccurate reporting of the XXXX account number : XXXX account on my credit reports. 

Experian reports the account as charged off and written off with multiple delinquencies.

TransUnion shows it as charged off and derogatory with several late payments.

Equifax, however, shows 100 % on-time payments and no delinquencies, yet also lists it as a charge-off.

This inconsistency violates the Fair Credit Reporting Act ( FCRA ), which requires that information be accurate and consistent. The account can not simultaneously be current and charged off. I have attempted to resolve this with the credit bureaus but received no resolution.

I request that this account be deleted. I've asked you to investigate this account, and you have not been able to do so correctly

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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian for its willful violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ). I disputed inaccurate and potentially fraudulent information on my credit report, and Experian responded with a generic " verified as accurate '' notice without providing any meaningful description of the method of verification or evidence from the original creditor, as required by law.

Violations : Failure to Investigate in Good Faith : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must conduct a reasonable reinvestigation when a consumer disputes information. A verified response without detail or documentation does not meet this threshold.

Failure to Provide Method of Verification : Per 15 U.S.C. 1681i ( a ) ( 7 ), upon request, Experian must provide a description of the procedure used to determine the accuracy and completeness of disputed information. Experian failed to comply with this when I formally requested it, violating my consumer rights.

Willful Noncompliance Subject to Damages : Experians disregard of its duties constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to statutory and punitive damages.

Negligent Noncompliance Subject to Actual Damages : Alternatively, their negligence triggers damages under 15 U.S.C. 1681o.

Failure to Delete Inaccurate Information : Experian has continued reporting inaccurate data without proper verification, violating 15 U.S.C. 1681e ( b ) by not following reasonable procedures to assure maximum possible accuracy.

Supporting Legal Precedent : There is a pending class action lawsuit : In re Experian Data Breach Litigation, No. 8:15-cv-01592 ( C.D. Cal. ), and other cases ( including Dennis v. BEH-1 LLC d/b/a Experian, where Experians automated verification system has been criticized for failing to meet the legal requirements for reinvestigation ).

Experians pattern of conduct shows a systemic failure to comply with its legal obligations under the FCRA, relying on automated systems that rubber-stamp creditor data instead of conducting a meaningful investigation. This undermines consumers rights and the integrity of the credit reporting system.

Requested Relief : I demand a thorough, manual reinvestigation of the disputed item ( s ), including contact with the original data furnisher.

I request that Experian provide a written and specific method of verification used in accordance with 1681i ( a ) ( 7 ).

I urge the CFPB to investigate Experians practices, as their violations are widespread and willful.

I reserve the right to pursue legal action and/or join a class action suit against Experian for these repeated violations.

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 information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I identified multiple inaccurate tradelines on my Experian report. XXXX XXXX XXXX  is reported multiple times with conflicting balances and statuses, which appear to be duplicate accounts. In addition, XXXX XXXX XXXX  and XXXX XXXX are showing ongoing CO ( charge-off ) notations in XXXX, even though those accounts were charged off in XXXX and there has been no activity since. This violates the Fair Credit Reporting Act and Metro 2 reporting standards. I requested Experian correct or delete these entries, but the issues remain unresolved.

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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-05-26 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: TN

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for continuing to report a collection account from XXXX XXXX ( Acct # XXXX ), related to XXXX XXXXXXXX XXXX, despite the fact that the debt has never been validated and the reporting is inaccurate. 

According to the credit bureaus, the account was assigned to XXXXXXXX XXXX on XX/XX/XXXX. However, my husband and I vacated the property in XX/XX/XXXX, and we never received a final billing statement, breakdown of charges, or any notice of an outstanding balance from either the original creditor or the collection agency. 

The first time we became aware of the account was through our credit reports. Since then, I have sent five separate written requests for validation, none of which received any response. My most recent letter was sent via certified mail on XX/XX/XXXX ( Tracking # XXXX ) and is still marked in transit and delayed by USPS. However, earlier requests were also ignored. 

Despite this, both Equifax and TransUnion verified the account without providing any supporting documentation. I have never been shown proof that the debt is valid, that I was properly notified, or that the collection agency has the legal authority to report it. 

In addition, the account is listed with an estimated removal date of XX/XX/XXXX, implying a Date of First Delinquency ( DOFD ) of XX/XX/XXXX. This is incorrect we vacated the property in XX/XX/XXXX, and no delinquency was documented or communicated. This strongly suggests re-aging, which violates the Fair Credit Reporting Act ( FCRA ).

I am requesting : Immediate removal of this account from both Equifax and TransUnion credit reports Attached are all relevant dispute letters, tracking documentation, and supporting evidence showing my attempts to resolve this matter prior to filing this complaint.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 


To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity. 

Under the Fair Credit Reporting Act ( XXXX  ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes. 

I kindly request the following : XXXX. Immediate removal of the erroneous address from my credit report. 
XXXX. An updated credit report reflecting the corrected information. 
XXXX. Written confirmation of the actions taken to resolve this dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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