vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
XXXX-  sent final notice to correct inaccurate information per 15usc 1681.'

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an alleged debt XXXX XXXX  claims I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally requested debt validation. I asked for : ( 1 ) the original contract bearing my signature, ( 2 ) full payment history, ( 3 ) itemized accounting, ( 4 ) chain of custody of the debt, ( 5 ) proof of legal standing, ( 6 ) name of the entity that verified this debt, ( 7 ) ACDV record, and ( XXXX ) whether this alleged debt was securitized. XXXXXXXX XXXX has failed to provide this required documentation. I request that the CFPB enforcement stop collection and reporting activity until the debt is properly validated.

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 2025-07-16 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: AL

Complaint narrative:
FERPA was violated on or about XX/XX/year> without my authorization. Department of Education and FTC notified but did not resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: KY

Complaint narrative:
I am filing this complaint regarding two XXXX XXXX XXXXXXXX accounts that have been reported inaccurately on my credit reports by Experian, Equifax, and TransUnion. Despite multiple formal disputes and three written requests sent directly to the furnisher XXXX XXXX XXXX XXXXXXXX ), the accounts remain on my reports with significant and unresolved discrepancies. 

XXXX XXXX XXXXXXXX failed to properly verify these debts under 15 U.S. Code 1692g ( b ) and 15 U.S. Code 1681s2 ( b ). Their responses, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, failed to include specific supporting documentation and did not address the following discrepancies : Inconsistent open dates across the three bureaus Conflicting last payment dates, particularly with Equifax Charge-off balances and high credit amounts do not match Payment history showing late payments after charge-off Contradictory or missing account comments Even more concerning, the credit bureaus have verified these accounts twice, despite the documented errors and despite the fact that the original furnisher can not provide consistent, accurate data. This is a violation of the FCRA, particularly 15 U.S. Code 1681i and 1681s2 ( b ), which require a reasonable investigation and accurate reporting. 

I am requesting that the CFPB investigate XXXX XXXX XXXXXXXX 's failure to provide proper verification and hold the credit bureaus accountable for repeatedly verifying inaccurate and disputed information. 

What do you want the company to do to resolve your issue? 

I demand the immediate deletion of both XXXX XXXX XXXXXXXX accounts ( # XXXX and # XXXX ) from all credit bureaus ( Experian, Equifax, and TransUnion ). Additionally, I request that the CFPB take appropriate enforcement action for the repeated violations of the Fair Credit Reporting Act by both the furnisher and the reporting agencies.

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 2025-07-16 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: KY

Complaint narrative:
I am filing this complaint regarding two XXXX XXXX XXXXXXXX accounts that have been reported inaccurately on my credit reports by Experian, Equifax, and TransUnion. Despite multiple formal disputes and three written requests sent directly to the furnisher XXXX XXXX XXXX XXXXXXXX ), the accounts remain on my reports with significant and unresolved discrepancies. 

XXXX XXXX XXXXXXXX failed to properly verify these debts under 15 U.S. Code 1692g ( b ) and 15 U.S. Code 1681s2 ( b ). Their responses, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, failed to include specific supporting documentation and did not address the following discrepancies : Inconsistent open dates across the three bureaus Conflicting last payment dates, particularly with Equifax Charge-off balances and high credit amounts do not match Payment history showing late payments after charge-off Contradictory or missing account comments Even more concerning, the credit bureaus have verified these accounts twice, despite the documented errors and despite the fact that the original furnisher can not provide consistent, accurate data. This is a violation of the FCRA, particularly 15 U.S. Code 1681i and 1681s2 ( b ), which require a reasonable investigation and accurate reporting. 

I am requesting that the CFPB investigate XXXX XXXX XXXXXXXX 's failure to provide proper verification and hold the credit bureaus accountable for repeatedly verifying inaccurate and disputed information. 

What do you want the company to do to resolve your issue? 

I demand the immediate deletion of both XXXX XXXX XXXXXXXX accounts ( # XXXX and # XXXX ) from all credit bureaus ( Experian, Equifax, and TransUnion ). Additionally, I request that the CFPB take appropriate enforcement action for the repeated violations of the Fair Credit Reporting Act by both the furnisher and the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
I am a struggling single mother of XXXX who is a victim of identity theft. Several fraudulent accounts and unauthorized hard inquiries have appeared on my credit report, including with companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now, and the Department of Education XXXX XXXX ). I did not open or authorize any of these accounts or applications. 
I have submitted formal disputes under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act to the credit reporting agencies ( Equifax, Experian, and TransUnion ) XXXX along with proof of my identity and a signed written statement as a victim of identity theft. Despite this, the fraudulent accounts have not been removed, and no resolution has been provided within the time required by law. 
This situation is devastating. I am working hard to rebuild my life and credit so that I can purchase a safe, reliable car and buy our dream home for me and my children. These errors are unfairly holding me back and making it nearly impossible to qualify for anything, even though the debts and accounts are not mine. 
Im asking the CFPB to step in and ensure these agencies and creditors comply with the law and remove the fraudulent items immediately. I deserve the opportunity to build a better future for my family without being punished for something I did not do.

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 2025-07-16 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit report. I am a victim of identity theft, and as a result, multiple accounts and inquiries have been added to my credit file that I did not authorize or apply for.

Attached to this letter is a document listing the specific accounts and inquiries I am disputing. I have also included a copy of the identity theft report I filed with the Federal Trade Commission ( FTC ), in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

Under the provisions of the FCRA, I request that these items be blocked and deleted from my credit report as they are the result of identity theft. I respectfully ask that you take immediate action to ensure my credit report reflects only accurate and authorized information.

Please confirm in writing once the fraudulent information has been removed. If you require any additional documentation, feel free to contact me at the information listed below. 

Thank you for your prompt attention to 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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
This is the 3rd time I didnt screen shot the first one this is not how to represent a company & brand PayPal always been a top 100 % company & brand that took well care of its customers they are keep delaying my case case number - XXXX is me they are the correct company because they are the ones deciding to give the refund or not come on CFPB if the initial company didn't deliver the service you go to your bankPayPal which is mines to let them know to get your refund I did they gave me my first one but not my second 1 they are only a day apart

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I was trying to purchase a home and other personal items. I contacted all three bureaus and told them that the disputes I submitted was not handled properly or investigated properly. I asked them to provide me with letters and documentations of the things they are reporting to my credit for verification letters to be sent to my address on file, and I have not received any verification stating that I assumed this debt All three credit bureaus are not fully investigating this problem 15 USC 1681 From Title XXXX XXXX XXXX XXXX XXXXXXXX CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2025-07-16 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:
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 XXXX 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 non-monetary relief
Consumer complaint received 2025-07-16 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: IN

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 XXXX  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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. 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 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

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

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

I demand the late payment reported in to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by law.

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 2025-07-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus are required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as XXXX ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). The XXXX XX/XX/2025 enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. XXXX XXXX XXXX XXXX * * * *

Company response to consumer: Closed with non-monetary relief