vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-08 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:
Remove the XXXX XXXX accountnone of the other credit reporting agencies are listing it.

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 2025-08-08 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: PA

Complaint narrative:
My account with XXXX XXXX, XXXX AND XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

XXXX XXXX, XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus have failed to correct inaccurate information on my credit report despite my previous disputes, violating my rights under the Fair Credit Reporting Act ( FCRA )

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

Complaint narrative:
I recently reviewed my credit report and noticed that an account was not reporting accurately.I had XXXX late payments on an account that were XXXX and XXXX days late, when in fact they were paid on time. I'm not sure how this has been inaccurately reported, but the Consumer Reporting Agencies need to report all information with complete accuracy. This account has not been late on payments at all!! I've attached a copy of my credit report to this complaint regarding the following dates of XXXX and XXXX of XXXX. I'm now requesting that you investigave this account and update these payments to paid on time, immdiately. Thank you for your understanding and prompt action.

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 2025-08-08 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: RI

Complaint narrative:
{ XXXX XXXX  XXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { XXXX XXXX XXXX }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within XXXX ( XXXX ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

Sincerely, { 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 2025-08-08 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: NY

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 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 2025-08-08 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
Subject : Formal Complaint Regarding Continued Reporting of Unverifiable Charge-Off Account in Violation of FCRA To Whom It May Concern, I am filing a formal complaint against Equifax Information Services LLC for continuing to report an unverifiable and inaccurate charge-off account from XXXX XXXX XXXXXXXX ( account ending in XXXX ) in violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

This same account has already been deleted by Experian, proving that the data is not reliably verifiable across bureaus, and that the furnisher ( XXXX XXXX XXXX ) could not provide adequate validation of the account. 

XXXX. Failure to Conduct a Reasonable Reinvestigation FCRA 1681i ( a ) ( XXXX ) ( A ) I submitted a formal dispute requesting reinvestigation of the XXXX XXXX XXXX account. Equifax responded with a statement that the information was verified, but failed to provide any explanation or supporting documentation. This constitutes a failure to conduct a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) ( A ). 

XXXX. Failure to Provide Method of Verification FCRA 1681i ( a ) ( 7 ) I then submitted a written request for the Method of Verification, specifically asking for : The name, address, and contact information of the verifying party A description of the procedures used to verify the information Documentation relied upon during the reinvestigation Equifax responded with a boilerplate, one-page letter simply stating the item was verified, without providing any of the above. This violates FCRA 1681i ( a ) ( 7 ). 

XXXX. Failure to Provide Full File Disclosure FCRA 609 ( a ) ( 1 ) Under FCRA 609 ( a ) ( 1 ), I requested a complete disclosure of my file, including : All documents Equifax used to verify the XXXX XXXXXXXX XXXX account A copy of the original signed contract or application All billing or payment history from the furnisher Any supporting documentation for continued reporting Equifax failed to provide any of these documents. If Equifax does not possess the above records, it can not legally claim to have verified the debt or justify continued reporting. 

XXXX. Continued Reporting of Inaccurate and Unverifiable Data FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) Equifax continues to publish and furnish this inaccurate and unverified account to third parties despite having no valid basis for doing so. Reporting unverifiable information after being put on notice of its inaccuracy is a direct violation of : FCRA 1681e ( b ) Duty to ensure maximum possible accuracy FCRA 1681i ( a ) ( 5 ) Duty to delete or correct unverifiable information Why is there no payment data for XXXX and XX/XX/year>? If you can't delete this inaccurate account, provide the arbitration process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-08 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$7600.00}

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-08 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: MD

Complaint narrative:
I am filing this complaint against Equifax for failing to maintain accurate information on my credit report and for continuing to report false data despite my previous disputes. This conduct violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) ( duty to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( duty to reinvestigate disputed information ).

The inaccurate items include : Wrong address : XXXX XXXX XXXX XXXX XXXX, MD XXXX I have never lived at or been associated with this address. Reporting it creates a false residential history, increases the risk of mixed files or identity confusion, and could link me to accounts or debts that are not mine. 

Unauthorized inquiry : XXXX XX/XX/2023 I never authorized this company to access my credit file, nor did I apply for any credit, employment, or insurance that would justify the inquiry. Under 15 U.S.C. 1681b ( f ), a credit report may only be accessed with a permissible purpose, and Equifax has not provided any proof of my consent.

Despite my disputes, Equifax has either verified this information without providing documentation or failed to remove it altogether. This is not a reasonable reinvestigation as required by law.

These inaccuracies are harming me by lowering my credit score, misrepresenting my personal history, and creating the impression that I am seeking credit when I am not. This can negatively affect my ability to secure loans, credit cards, employment, and housing. 

I am requesting that the CFPB investigate Equifaxs handling of my disputes, require them to delete the inaccurate address and unauthorized inquiry from my credit file, and ensure they implement adequate verification procedures to prevent similar issues in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
To whom it may 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 2025-08-08 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: TX

Complaint narrative:
To whom it may 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 2025-08-08 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: FL

Complaint narrative:
I am requesting the permanent deletion of all late payment notations for the following accounts, as the creditors failed to provide proper notice before reporting the delinquency : XXXX XXXX  Acct # XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX The credit bureau must : Reinvestigate each late payment and require the furnishers to provide dated proof of payment reminders or delinquency notices that were sent prior to reporting.

Delete any late payment for which the creditor can not provide such proof, in accordance with FCRA 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

Provide written confirmation of deletions and an updated credit report reflecting the corrections within the statutory timeline.

I am seeking nothing more than full compliance with federal law and the correction of inaccurate information.

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