vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: AL

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 non-monetary relief
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-05-19 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: AL

Complaint narrative:
Experian is inaccurately reporting a charged-off XXXX XXXX account ( ending in XXXX ). The account shows a last payment in XX/XX/XXXX and was charged off shortly after. However, Experian, XXXX and XXXX  are allowing the account to be reported as charged off for multiple consecutive months ( XXXX through XX/XX/XXXX ), which misrepresents the status and violates the Fair Credit Reporting Act. Additionally, the account has been re-aged to show a past due balance as of XX/XX/XXXX, despite no new activity since XX/XX/XXXX. I contacted XXXX XXXX, and they advised me to dispute the issue directly with the credit bureaus. Experians failure to correct this inaccurate reporting is causing ongoing harm to my credit profile.

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 2025-05-19 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: AL

Complaint narrative:
XXXX  is inaccurately reporting a charged-off XXXX XXXX account ( ending in XXXX ). The account shows a last payment in XX/XX/XXXX and was charged off shortly after. However, XXXX XXXX, and Equifax are allowing the account to be reported as charged off for multiple consecutive months ( XXXX through XX/XX/XXXX ), which misrepresents the status and violates the Fair Credit Reporting Act. Additionally, the account has been re-aged to show a past due balance as of XX/XX/XXXX, despite no new activity since XX/XX/XXXX. I contacted XXXX XXXX, and they advised me to dispute the issue directly with the credit bureaus. XXXX failure to correct this inaccurate reporting is causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: HI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-05-19 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: IL

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
On XX/XX/2025, I sent my FTC report with my License to Experian. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit.

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 2025-05-19 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:
I am filling a complaint because my creditor is reporting late payments on my accounts beginning with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with that are inaccurate and not properly verified I have disputed this this directly with the credit bureaus and the furniture but the late payment remain without proper validation or documentation. under 15 USC 1681 S 2 A fortunate must report accurate information under 15 USC 1681 the credit bureau must preform a seasonable investigation within 30 days. Nether of them have proved sufficient evidence to support the negative reporting. I would like to have these removed from my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I am filling a complaint because my creditor is reporting late payments on my accounts beginning with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with that are inaccurate and not properly verified I have disputed this this directly with the credit bureaus and the furniture but the late payment remain without proper validation or documentation. under 15 USC 1681 S 2 A fortunate must report accurate information under 15 USC 1681 the credit bureau must preform a seasonable investigation within 30 days. Nether of them have proved sufficient evidence to support the negative reporting. I would like to have these removed from my accounts.

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 2025-05-19 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
XXXX XXXX with Commercial Acceptance Company has been calling me non-stop since end of XXXX. She has contacted my relatives multiple times without any permission from myself or them. 
This is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I received an email inquire from XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX that my account with the company XXXX XXXX which backed by XXXX back closed my account. When I called the XXXX XXXX their recording stated that my account was closed due to nonactivity. They closed the account because I hadn't used the account and purchased anything since made my last payment back on XX/XX/XXXX. XXXXXXXX XXXX closed the account on XX/XX/XXXX, and did not send me later or anything in the mail. On XX/XX/XXXX, I spoke with a representative from XXXXXXXX XXXX  she tried to give several reasons to why it was closed. The first excuses was because my mortgage payment was not being reported. I responded that my house was paid off. Her second excuses were that credit agency did another credit check on me and that I had negative inquire on my credit report. My response was who gave you authorization to do a credit check without my permission. She could say for call the credit bureau and that they closed the account which I know is untrue.

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 2025-05-19 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: GA

Complaint narrative:
I received an email inquire from XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX that my account with the company XXXX XXXX which backed by XXXX back closed my account. When I called the XXXX XXXX their recording stated that my account was closed due to nonactivity. They closed the account because I hadn't used the account and purchased anything since made my last payment back on XX/XX/XXXX. XXXXXXXX XXXX closed the account on XX/XX/XXXX, and did not send me later or anything in the mail. On XX/XX/XXXX, I spoke with a representative from XXXXXXXX XXXX she tried to give several reasons to why it was closed. The first excuses was because my mortgage payment was not being reported. I responded that my house was paid off. Her second excuses were that credit agency did another credit check on me and that I had negative inquire on my credit report. My response was who gave you authorization to do a credit check without my permission. She could say for call the credit bureau and that they closed the account which I know is untrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It happened XXXX, Amount : XXXX Merchant : the XXXX XXXX After the transaction happened, I lock my card, and call the chase to reported the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a collection that shows on my credit report from XXXX XXXX XXXX. Using this same method i have requested for credit burous to verify this information or to remove it and several times they just answered that this follows guidelines but have failed to provide the information i have asked for. This time i contacted XXXX XXXXXXXX XXXX directly thru their provided email over 30 days ago and did not get a response from them.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please consider this a formal request to block and remove the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I authorize their creation. In accordance with USC 1681g, I ask that they be removed within 15 days. Supporting documents are included for your careful consideration. Additionally, the reported account details vary across the bureaus and contain discrepancies.

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 2025-05-19 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-19 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
Today this morning on XX/XX/XXXX I was looking at my credit report through XXXX XXXX and noticed that I have one debt in collection by the name of XXXX associates. I have submitted and did a dispute with XXXX XXXX however I have no faith and XXXX XXXX doing their due diligence with accurate verification. 
This company XXXX XXXX has not contacted me that I am Not aware of who they are. Their just reporting to the credit bureau XXXX that I owe a debt to them and I have no idea who they are they also did a hard inquiry on my credit report. It's to my understanding that this all occurred last year in XX/XX/year> and they report it the following month in XX/XX/year> that I owed a debt to them and I have no idea who they are or who they represent they have not provided any viable information to me the consumer I feel this is negligent and fraud in my opinion Thank you.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
My loans were forgiven effective XX/XX/XXXX and received my discharge letter XX/XX/XXXX. After receiving my letter, I made contact with Mohela on a few occasion but the wait time was more than 2 hours. On XX/XX/XXXX at XXXXXXXX XXXX I received a return call from Mohela. When inquiring about not only when will this be reported to the credit bureaus ; I also inquired about my refund. The representative stated that it could be from 90 days to six months or more before reporting to the credit bureaus and as far as my refund she did not see a refund. When asked how she did not see the refund, she stated because she did not see the discharge letter. I asked to email and she said no, " it should appear in a few weeks! '' ( Again I received my letter in XXXX of XXXX but it served me no good to go back and forth with the rep. ) I disputed the balance and status with all XXXX bureaus on XX/XX/XXXX and attached the discharge letter. On XX/XX/XXXX I received notifications that my dispute was substantiated and all 3 bureaus update my Mohela credit file to show a XXXX balance and closed ; however starting last week I received a steep decline in my credit score because my debt rose to double the amount, It was the Mohela account being placed bay on XXXX XXXX XXXXXXXX. I disputed with both and again and reached out to Mohela but it was another 2 hour and more hold. I also sent an email back on XX/XX/XXXX to this email " XXXX '' with no response. The forgiven amount with principal and interest is {$200000.00} with a negative outstanding balance of {$2700.00} effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume 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 explanation