vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
Subject : XXXX  Dispute Letter to Remove Inaccurate Late Payment Reporting ( E-Oscar Ready Code Based Metro 2 Format ) Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting Issue : Late Payments 30 Days ( XXXX ), 60 Days ( XXXX ), 90 Days ( XXXX ) Dear Compliance Department, I am formally disputing the accuracy and integrity of the payment history being reported on my XXXX account referenced above. Your records show alleged late payments for XXXX ( 30 days ), XXXX ( 60 days ), and XXXX ( 90 days ) which I assert are inaccurate, incomplete, and not in compliance with federal laws and the Metro 2 reporting standards required under the FCRA 602 ( A ), 607 ( B ), 611, and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 
LEGAL BASIS FOR REMOVAL : FCRA 607 ( b ) Requires furnishers of information to maintain maximum possible accuracy.FCRA 611 ( a ) ( 1 ) ( A ) You are required to conduct a reasonable investigation once a dispute is received.FCRA 602 ( A ) Consumer credit reporting must be fair and equitable with regard to confidentiality, accuracy, relevancy, and proper utilization.15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) A furnisher may not report information it knows or has reason to believe is inaccurate.

Furthermore, based on the Metro 2 Compliance, any tradeline that lacks verifiable and complete documentation must be corrected or deleted. Reporting a payment as late without certified proof such as timestamps, billing logs, or account statements constitutes a violation of the FCRA and may be considered willful noncompliance under 616 & 617, subject to statutory damages. 

XXXX & E-OSCAR DISPUTE CODE STRUCTURE : * Code 001A Disputing accuracy of late payments * Code 103B Verification of data incomplete * Code 112C Data furnisher failed to respond with documentation * Code 202M Incomplete or unverifiable information in account history * Request : Remove ALL late payments and update to " Pays As Agreed '' ACTION REQUESTED : I respectfully request that you : 1. Investigate and remove the inaccurate late payments from XXXX, XXXX, and XXXX. 
2. Correct the account reporting to reflect Pays as Agreed status across all credit bureaus. 
3. Provide me with written confirmation of your investigation results per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 30 days. 
Failure to comply may result in me filing formal complaints with the CFPB, the FTC, and/or initiating legal action for damages under FCRA 616 & 617. 
Thank you for your immediate attention to this serious matter. 
Sincerely, [ 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 2025-07-22 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: MS

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 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 2025-07-22 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: AZ

Complaint narrative:
Subject : Incorrect Name and Address on My Credit Report To the Consumer Financial Protection Bureau, I am submitting this complaint because my credit report contains inaccurate personal identifying information. Specifically, my name and address are reported incorrectly. 

The only accurate name that should appear on my file is : XXXX XXXX The only accurate address that should appear is : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Any other names, aliases, or addresses are incorrect, outdated, or unverified and should not be associated with my credit profile. 

I am requesting the CFPB to assist in having these inaccuracies investigated and removed from my report by the credit reporting agencies and any data furnishers responsible for supplying the incorrect information. 

This false information may negatively impact my credit, privacy, and legal standing, and I am asking for an urgent review and correction. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ 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 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
Creditor ( Santander Consumer Usa ) is reporting inaccurate info on my credit file with ( XXXX XXXX and XXXX/ I disputed in the following months with them in XXXX, XXXX XXXX, each time the info is verified despite me sending documents of payments. XXXX  seems to think it is a frivolous/not relevant. The car was paid off in full without a balance as of XX/XX/XXXX. When I first reviewed the credit report it said it was paid/written off {$1.00}, then I disputed and bureaus investigated. Santander ( creditor ) updated and said that now it is {$300.00} written off/refused to remove it was written off despite again payment documents. I disputed with three bureaus again this month with the same outcome. I checked my XXXX credit report/ it is accurate it is paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are inquiries on my credit report that I did not authorize, apply for, or consent to. I have no affiliation with these companies and did not permit them to access my credit profile. These unauthorized inquiries are a violation of my consumer rights and are negatively affecting my credit. This situation is unacceptable, especially considering the stress and harm it continues to cause.

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 2025-07-22 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:
Experian has illegally reported inaccurate information to MyFico causing my credit score to significantly drop. Upon review of my new 3 agency report pulled on XX/XX/XXXX I was upset by the score drop and to see that Experian is reporting " XXXX XXXX as 90 days late in XXXX and XXXX of XXXX and as a charge off in XXXX of XXXX. This is absolutely inaccurate, this account was included in a bankruptcy in XXXX! This reporting is not only in accurate, it's illegal. This account was included in bankruptcy in XXXX, it was closed in XXXX, I was NEVER 90 days late in XXXX. Seeing as this account was never late and closed in XXXX, how could I have been 90 days late in XXXX and charged off? I personally feel this inaccurate reporting was done intentionally hurt my credit score as I have recently submitted several disputes to Experian. I have attached the potion of my credit report pulled on XX/XX/XXXX from MyFico that clearly shows this information was reported by Experian.

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 2025-07-22 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>2017, Balance : {$8900.00}

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 2025-07-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not authorize these companies to access my credit report, nor did I apply for any services with them. This is a clear violation of my rights as a consumer, and it adds unnecessary XXXX  to an already difficult situation.

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 2025-07-22 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-22 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXXXXXX for DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/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  ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter. 

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX2025 my wallet was stolen, I made a police report. My ID, social security card and bank cards were in there. Whoever stole it tried to use my cards at a store in XXXX California and is now using my social! My credit dropped XXXX points because of this.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered collection accounts on my credit report from companies I have never signed a contract or agreement with. I have no knowledge of the debt being collected and did not authorize the third-party debl collector to collect in my name. I am filing this report because these accounts were opened or transferred without my consent or authorization and are fraudulent in nature under FCRA 1681 and FDCPA 809,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I discovered collection accounts on my credit report from companies I have never signed a contract or agreement with. I have no knowledge of the debt being collected and did not authorize the third-party debl collector to collect in my name. I am filing this report because these accounts were opened or transferred without my consent or authorization and are fraudulent in nature under FCRA 1681 and FDCPA 809,

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 2025-07-22 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:
Subject : XXXX Reporting Inaccuracies and FCRA Violations Company XXXX XXXX ( Creditor for XXXX  ) Complaint Narrative : I am filing a formal complaint regarding the XXXX  account appearing on my credit report. This account is being reported inconsistently across all three credit bureaus and contains derogatory and misleading information that may be in violation of the Fair Credit Reporting Act ( FCRA ).

1. Account Status Misrepresentation : The account is listed as Charged-Off, Charged Off as Bad Debt, and Unpaid balance reported as a loss by XXXX XXXX. Yet, the balance is showing {$0.00} across all three credit bureaus, indicating the debt is no longer owed or collectible. If the balance is {$0.00}, it should not simultaneously be reported as charged-off with derogatory remarks. This is inconsistent and misleading. 

2. FCRA Violations Potentially Involved : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate FCRA 623 ( a ) ( 2 ) : Failure to update or correct information that is incomplete or inaccurate FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation upon dispute FCRA 605 ( a ) ( 5 ) : Derogatory accounts must be removed after 7 years from the date of first delinquency ; if this account is older or resolved with {$0.00} balance, it should not be updated to keep it appearing active.

3. Last Reported Date Discrepancy : Equifax  is reporting an update in XX/XX/XXXX, while TransUnion and Experian stopped updating in XX/XX/XXXX. This inconsistency raises red flags regarding data accuracy and ongoing compliance. I never received notice of updates from the creditor nor from the bureaus. 

4. Harm to Consumer : This inaccurate and outdated negative reporting has negatively impacted my creditworthiness. Reporting a {$0.00} balance charge-off without accurately updating the status or removing the derogatory remark misrepresents the true status of the account.

Request for Resolution : I am requesting the immediate deletion of the XXXX account from all three credit bureaus due to its current inaccurate, misleading, and potentially unlawful reporting. At a minimum, I demand that : All derogatory language be removed from the account ( including charge-off ), The tradeline be marked Closed Paid/Settled with a {$0.00} balance and no negative status, or The account be removed entirely if it has been sold, discharged, or is no longer collectible. 

Please investigate this matter immediately and take appropriate corrective 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 non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-23 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: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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