vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : 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 2025-07-21 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 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: FL

Complaint narrative:
I am submitting this complaint against Experian for multiple and repeated violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data furnishing standards. Despite several good-faith disputes, Experian continues to report inaccurate, misleading, and unverifiable information across multiple accounts on my credit profile.

Summary of Violations : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Reporting charge-off status with {$0.00} balance while still showing as written off Violates FCRA 1681e ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and Metro 2 standards 2. XXXX XXXX XXXX Acct XXXX XXXXXXXX ) Reflects XXXX XXXXXXXX bankruptcy at the tradeline level, but no bankruptcy exists in the Public Records section Violates FCRA 1681e ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and Metro 2 CRRG 3 . XXXXXXXX XXXX ( Acct XXXX XXXXXXXX ) Reports charged off, written off, and past due amounts at the same time conflicting data Violates FCRA 1681e ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and Metro 2 CRRG 4. XXXXXXXX XXXX ( Acct XXXX XXXXXXXX ) Incorrectly references XXXX XXXX bankruptcy, which does not exist Violates FCRA 1681e ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and Metro 2 CRRG 5. Unauthorized Hard Inquiries Experian is reporting multiple hard inquiries without my written consent or permissible purpose Violates FCRA 604 ( a ), 604 ( f ), and 607 ( a ) Please Note : Formal litigation has been filed against Experian regarding these violations. This CFPB complaint serves as both a regulatory notification and a request for resolution. If this matter is not resolved within 15 days, I will continue to pursue all available legal remedies.

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 2025-07-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} UNAUTHORIZED COLL - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/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 2025-07-21 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: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting and Improper Re-Insertion To Whom It May Concern, I am writing to formally dispute inaccurate and unauthorized information being reported on my credit file. The account listed below does not belong to me, and I am requesting its immediate investigation and removal from my credit report. 

Creditor Name : XXXX XXXX  Status : Charged-off with {$12000.00} balance Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ), I am requesting that you provide me with documentation used to verify the reporting of this account, including any application or signature proving I opened this account. As this account does not belong to me, I require proof of ownership and documentation that links this account to my identity. Without such proof, you are legally obligated to remove it from my file. 

Furthermore, this account had previously been removed from my credit report and was later reinserted without the proper notification, which is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ). The law clearly states that the credit bureau must notify the consumer within 5 business days of reinsertion of any previously deleted item. I did not receive such notice.

Therefore, I am formally requesting the following : Immediate removal of the XXXX account listed above. 

A copy of the verification used to reinsert this account into my file. 

Written confirmation that this item has been deleted from my report. 


THD/CBNA is not my account I am filing a complaint about an inaccurate late payment being reported on my credit report for my Child Support North Carolina account XXXX Account # XXXX ). The credit report shows a 60-day late payment in XX/XX/XXXX, but there is no 30-day late payment reported before that, which is not possible. 

A 60-day delinquency must be preceded by a 30-day late. This is a clear reporting error and a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and complete. 

I contacted the credit bureau and requested that they remove the inaccurate 60-day late mark, but it is still on my report. I am asking the CFPB to help investigate this matter and ensure it is corrected. 

This incorrect negative mark is hurting my credit score, and it should be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
Subject : Formal Dispute of Inaccurate Account Reporting and Improper Re-Insertion To Whom It May Concern, I am writing to formally dispute inaccurate and unauthorized information being reported on my credit file. The account listed below does not belong to me, and I am requesting its immediate investigation and removal from my credit report. 

Creditor Name : XXXX XXXX  Status : Charged-off with {$12000.00} balance Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ), I am requesting that you provide me with documentation used to verify the reporting of this account, including any application or signature proving I opened this account. As this account does not belong to me, I require proof of ownership and documentation that links this account to my identity. Without such proof, you are legally obligated to remove it from my file. 

Furthermore, this account had previously been removed from my credit report and was later reinserted without the proper notification, which is a direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ). The law clearly states that the credit bureau must notify the consumer within 5 business days of reinsertion of any previously deleted item. I did not receive such notice.

Therefore, I am formally requesting the following : Immediate removal of the XXXX account listed above. 

A copy of the verification used to reinsert this account into my file. 

Written confirmation that this item has been deleted from my report. 


THD/CBNA is not my account I am filing a complaint about an inaccurate late payment being reported on my credit report for my Child Support North Carolina account XXXX Account # XXXX ). The credit report shows a 60-day late payment in XX/XX/XXXX, but there is no 30-day late payment reported before that, which is not possible. 

A 60-day delinquency must be preceded by a 30-day late. This is a clear reporting error and a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and complete. 

I contacted the credit bureau and requested that they remove the inaccurate 60-day late mark, but it is still on my report. I am asking the CFPB to help investigate this matter and ensure it is corrected. 

This incorrect negative mark is hurting my credit score, and it should be removed immediately.

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 2025-07-21 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
I am disputing a 30-day late payment reported for XX/XX/year> on my XXXX XXXX XXXX auto loan account ( Account ending in XXXX ). This late payment is inaccurate and unverifiable. The account is reported as current, open, with {$0.00} past due, and shows a consistent payment history before and after XX/XX/year>. This contradicts the derogatory reporting. 

I previously disputed this with the credit bureaus, but the error remains. This violates the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ), 1681i, and 1681s-2 ). I am requesting the CFPB assist in having this inaccurate, unverified derogatory item permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
To : Affirm Inc / Credit Reporting Department RE : Formal Demand for Deletion Affirm Inc Accounts ( XXXX, XXXX, XXXX, XXXX, XXXX ) To Whom It May Concern, This letter serves as a formal dispute and demand for deletion of five Affirm Inc accounts listed on my credit report. The information currently reported appears outdated, misleading, and inconsistent across the credit bureaus, creating a distorted picture of my credit profile. 

The following Affirm Inc accounts are at issue : ending in XXXX, XXXX, XXXX, XXXX, and XXXX. All are reported as charged off, yet show varying high balances, dates of activity, and statuses across XXXX XXXX XXXX XXXX. Some reflect inconsistent payment histories or unclear resolution status. 

Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ), you are required to ensure the accuracy and integrity of data furnished to consumer reporting agencies. You are also bound by FCRA 1681s-2 ( b ), which mandates that furnishers of credit data must only report verified and accurate information. Additionally, continued reporting of misleading or unverifiable debt violates Texas Finance Code 392.304 ( a ) ( 8 ), which prohibits misrepresenting the character or amount of a consumer debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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