vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
On XX/XX/year>, I opened a credit card with XXXX, the cryptocurrency company. 

Because I was actively using XXXX XXXX exchange to buy and sell digital assets, they assumed my activity was related to gambling, which it was not. I was simply using my earnings to invest. 

On XX/XX/year>, my credit card was suspended because XXXX  links its credit card to the same application as the exchange platform. As a result, I lost access to my account and was forced to make payments over the phone. 

On XX/XX/scrub>XXXX XXXX XXXX contacted me via email and opened a support ticket. I explained my situation and provided all requested information. Later that same day, I was notified that my credit card had been reactivated. 

On XX/XX/year>XXXX XXXX  followed up again, requesting additional details about the source of my funds. 

Since I was away on a XXXX XXXX, I responded on XX/XX/year>, with the requested documentation. I answered all of their questions and uploaded a copy of my pay stub from a work bonus, which met their own criteria for verifying source of funds. 

Despite this, on XX/XX/scrub>XXXX XXXX XXXX  suspended my credit card account again. This is unfair, as XXXX  continues to treat its exchange accounts and credit card accounts as one and the same rather than separately. My account currently has a {$0.00} balance, and all payments have been made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: LA

Complaint narrative:
TransUnion is reporting a charge-off account from XXXX XXXXXXXX ( Acct : XXXX * * ) dated XX/XX/XXXX for {$1100.00} * * on my credit file. This account is not only inaccurate but also patently unlawful to remain on my report due to its age. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ) ( 4 ) and ( 5 ), prohibits consumer reporting agencies from reporting accounts that have been placed for collection or charged off after seven years plus 180 days from the date of the first delinquency that led to the charge-off. 

This XXXX XXXXXXXX entry is dated XXXX XXXX years agoyet TransUnion continues to display it as if it were a current derogatory account. That is not a clerical oversight ; it is a direct violation of federal law and a reckless disregard of the procedures mandated to ensure maximum possible accuracy and compliance with time-based restrictions. 

Beyond being outdated, its presence causes ongoing and measurable harm. Each time my credit file is accessed by a creditor, lender, or service provider, this illegal entry portrays me as having unresolved, delinquent debt. That false portrayal canand hasresulted in adverse credit decisions, inflated interest rates, higher insurance premiums, and reputational damage. This type of negligent reporting not only denies me fair access to credit but also undermines the integrity of the credit reporting system as a whole. 

The FCRA does not allow consumer reporting agencies to extend the life of a derogatory account, re-age a tradeline, or otherwise circumvent the strict seven-year limitation. By continuing to report this account in XXXX, TransUnion is blatantly violating federal law, ignoring clear statutory requirements, and acting with willful disregard for my consumer rights.

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 2025-08-18 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: NV

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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 dispute the validity of this late payment, as it is inconsistent with my payment behavior. I respectfully request its removal following investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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 have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: KS

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, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER 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 2025-08-18 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: KS

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, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$65.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-18 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: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. The fraudulent accounts appearing on my Equifax report include a credit card opened with XXXX XXXX in XX/XX/year> under account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$5200.00}. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my credit report which I do not recognize and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$5200.00}. This account has resulted in fraudulent hard inquiries and collections appearing on my consumer credit report. I demand that this fraudulent item be removed from my credit reports and that all collection activity related to it cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-18 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:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.On XX/XX/year>, I entered into a loan agreement with XXXX XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On XX/XX/year>, my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies.On XX/XX/year>, I entered into a loan agreement with XXXX XXXX XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On XX/XX/year>, my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PA

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, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER 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