vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a complaint to the Bureaus a month ago, but sadly, the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they have properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is extremely frustrating! Over XXXX  days have passed since I filed my complaint, and the disputed accounts remain unchanged. If this persists, I XXXX have to consider legal action due to the significant stress it has caused me. Additionally, I'm worried about the security of my personal information, especially after the data breach involving Equifax, Experian, and Transunion.

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 2025-07-02 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: NC

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-02 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:
Consumer Financial Protection Bureau Complaint Issue : Incorrect Information on Credit Report Charged-Off Account with Inflated Balance, Misleading Payment History, and Re-Aging Violation of : Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX et seq. 


-- - Complaint Details : I am filing a complaint regarding the inaccurate and harmful reporting of an account on my credit report. The details are as follows : Account Opened : XX/XX/XXXX Term : XXXX months Type : Unsecured Individual Responsibility Status : Derogatory Charged Off Closed Date : XX/XX/XXXX Last Payment : XX/XX/XXXX Reported Balance : {$4700.00} Highest Balance : {$3700.00} Payment History : XXXX XXXX XXXXn-time reported, yet all monthly indicators from XXXX through XXXX show Warning or Late status Remarks : Profit and Loss Write-Off Worst Payment Status : XXXX Days Late Specific Violations and Dispute Summary : XXXX. Inaccurate Balance Reporting FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : The current reported balance of {$4700.00} exceeds the highest balance of {$3700.00}. Credit furnishers are required to report only accurate information. Reporting a balance that exceeds the original obligation without documentation violates this section of the FCRA. 


XXXX. Illegal Re-Aging FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) : The payment history continues to reflect warnings and negative marks beyond the account closure date of XX/XX/XXXX, and nearly XXXX years after the last payment in XX/XX/XXXX. This constitutes re-aging of the account, which is strictly prohibited under FCRA XXXX ( a ), which limits reporting of negative information to XXXX years from the original delinquencynot from charge-off or restructured dates. 

XXXX. False or Misleading Payment History FCRA XXXX XXXX Code XXXX ( a ) : The account falsely claims that XXXX XXXX of payments were made on time, despite no payments having been made after XX/XX/XXXX. This misrepresentation affects my creditworthiness and violates my right to dispute and have incorrect information investigated and corrected. 


XXXX. Unverified or Unsubstantiated Reporting FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : Under this section, credit reporting agencies and furnishers are required to conduct a reasonable reinvestigation if I dispute an item. I am requesting full reinvestigation and evidence of the debt, including a breakdown of how the current balance was calculated post-charge-off. 


XXXX. Profit and Loss Write-Off Still Showing Balance Due FDCPA XXXX XXXX Code XXXX ( XXXX ) ( A ) : Reporting a Profit and Loss Write-Off while continuing to show a growing balance is misleading and XXXX be interpreted as deceptive under the FDCPA.

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 2025-07-02 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:
Consumer Financial Protection Bureau Complaint Issue : Incorrect Information on Credit Report Charged-Off Account with Inflated Balance, Misleading Payment History, and Re-Aging Violation of : Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX et seq. 


-- - Complaint Details : I am filing a complaint regarding the inaccurate and harmful reporting of an account on my credit report. The details are as follows : Account Opened : XX/XX/XXXX Term : XXXX months Type : Unsecured Individual Responsibility Status : Derogatory Charged Off Closed Date : XX/XX/XXXX Last Payment : XX/XX/XXXX Reported Balance : {$4700.00} Highest Balance : {$3700.00} Payment History : XXXX XXXX on-time reported, yet all monthly indicators from XXXX through XXXX show Warning or Late status Remarks : Profit and Loss Write-Off Worst Payment Status : XXXX Days Late Specific Violations and Dispute Summary : XXXX. Inaccurate Balance Reporting FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : The current reported balance of {$4700.00} exceeds the highest balance of {$3700.00}. Credit furnishers are required to report only accurate information. Reporting a balance that exceeds the original obligation without documentation violates this section of the FCRA. 


XXXX. Illegal Re-Aging FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) : The payment history continues to reflect warnings and negative marks beyond the account closure date of XX/XX/XXXX, and nearly XXXX years after the last payment in XX/XX/XXXX. This constitutes re-aging of the account, which is strictly prohibited under FCRA XXXX ( a ), which limits reporting of negative information to XXXX years from the original delinquencynot from charge-off or restructured dates. 

XXXX. False or Misleading Payment History FCRA XXXX XXXX Code XXXX ( a ) : The account falsely claims that XXXX XXXX  of payments were made on time, despite no payments having been made after XX/XX/XXXX. This misrepresentation affects my creditworthiness and violates my right to dispute and have incorrect information investigated and corrected. 


XXXX. Unverified or Unsubstantiated Reporting FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : Under this section, credit reporting agencies and furnishers are required to conduct a reasonable reinvestigation if I dispute an item. I am requesting full reinvestigation and evidence of the debt, including a breakdown of how the current balance was calculated post-charge-off. 


XXXX. Profit and Loss Write-Off Still Showing Balance Due FDCPA XXXX XXXX Code XXXX ( XXXX ) ( A ) : Reporting a Profit and Loss Write-Off while continuing to show a growing balance is misleading and XXXX be interpreted as deceptive under the FDCPA.

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 2025-07-02 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:
Consumer Financial Protection Bureau Complaint Issue : Incorrect Information on Credit Report Charged-Off Account with Inflated Balance, Misleading Payment History, and Re-Aging Violation of : Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX et seq. 


-- - Complaint Details : I am filing a complaint regarding the inaccurate and harmful reporting of an account on my credit report. The details are as follows : Account Opened : XX/XX/XXXX Term : XXXX months Type : Unsecured Individual Responsibility Status : Derogatory Charged Off Closed Date : XX/XX/XXXX Last Payment : XX/XX/XXXX Reported Balance : {$4700.00} Highest Balance : {$3700.00} Payment History : XXXX XXXX  on-time reported, yet all monthly indicators from XXXX through XXXX show Warning or Late status Remarks : Profit and Loss Write-Off Worst Payment Status : XXXX Days Late Specific Violations and Dispute Summary : XXXX. Inaccurate Balance Reporting FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : The current reported balance of {$4700.00} exceeds the highest balance of {$3700.00}. Credit furnishers are required to report only accurate information. Reporting a balance that exceeds the original obligation without documentation violates this section of the FCRA. 


XXXX. Illegal Re-Aging FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) : The payment history continues to reflect warnings and negative marks beyond the account closure date of XX/XX/XXXX, and nearly XXXX years after the last payment in XX/XX/XXXX. This constitutes re-aging of the account, which is strictly prohibited under FCRA XXXX ( a ), which limits reporting of negative information to XXXX XXXXears from the original delinquencynot from charge-off or restructured dates. 

XXXX. False or Misleading Payment History FCRA XXXX XXXX Code XXXX ( a ) : The account falsely claims that XXXX XXXX of payments were made on time, despite no payments having been made after XX/XX/XXXX. This misrepresentation affects my creditworthiness and violates my right to dispute and have incorrect information investigated and corrected. 


XXXX. Unverified or Unsubstantiated Reporting FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : Under this section, credit reporting agencies and furnishers are required to conduct a reasonable reinvestigation if I dispute an item. I am requesting full reinvestigation and evidence of the debt, including a breakdown of how the current balance was calculated post-charge-off. 


XXXX. Profit and Loss Write-Off Still Showing Balance Due FDCPA XXXX XXXX Code XXXX ( XXXX ) ( A ) : Reporting a Profit and Loss Write-Off while continuing to show a growing balance is misleading and may be interpreted as deceptive under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: FL

Complaint narrative:
Call at least 3 times a day from different phone numbers. Besides the phone number I already entered, they also call from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They identify themselves as : Hunter Warfield XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXXredit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXn XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$16.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I am disputing inaccurate reported late payments from XXXX on my credit report. The payment is marked as 30 days late, but I have attached proof with the payment summary showing that the payment was made on time and posted within the grace period. I am asking the CFPB to review this matter and ensure the account is updated to reflect the correct status. Under the FCRA inaccurate information must be removed.

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 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Im writing to formally express my concern regarding Zelle handling of my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On my credit report there are addresses listed as my previous addresses which they are not, there are debt collections to which I have no knowledge of and did not have any part in, there are hard inquiries and soft inquiries that were not my doing, my biological father has the same name as me only I am a XXXX XXXX XXXX XXXX and he is using my name or his stuff is getting confused with mine on my credit report

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 2025-07-02 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: MD

Complaint narrative:
To Whom It May Concern, This is a second and final notice. I'm reaching out again regarding fraudulent accounts and unauthorized inquiries being reported under my name. Let me be clear : I am the consumer, and I am writing this letter personally. There is no third party involved. So please do not send me another stall letter or generic response that approach is unacceptable and shows disregard for both federal law and consumer rights. 
This matter has already been raised and documented, yet these inaccurate and fraudulent entries remain on my credit file. This is not just a reporting error it's a serious identity theft issue, and your inaction is now bordering on willful non-compliance. 
Violations of Federal Law and Consumer Rights : 15 U.S.C. 1681b ( c ) Unauthorized Inquiries You are not allowed to furnish credit reports for transactions I didnt authorize. The inquiries listed below were not initiated by me and must be deleted. 
15 U.S.C. 1681c2 Block of Information Resulting from Identity Theft You are required to block fraudulent information within 4 business days of receiving proper documentation. Ive already provided you with everything necessary including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address.

18 U.S.C. 1028A Aggravated Identity Theft Continued reporting of identity theft-related entries makes you complicit in the damage being done. If you fail to block this information, you allow criminal activity to persist and knowingly hurt my financial reputation.

15 U.S.C. 1681i ( a ) Failure to Reinvestigate If you do not reinvestigate or verify the entries within the time permitted by law, and can not produce legitimate records showing my authorization, you are obligated to permanently remove them.

These were not opened or approved by me. They were the result of identity theft, and any delay in removing them further harms me. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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