vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-13 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:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AL

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved

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 2025-08-13 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). 

I contacted XXXX XXXX XXXX regarding my account ( XXXX XXXX ) after noticing that my credit report lists it as delinquent. The company informed me that they reported the account as paid as agreed and that their reporting is accurate. However, my credit report still shows a delinquency for this account. 

This is a clear discrepancy between what the furnisher claims to have reported and what the credit bureaus are publishing. Under the FCRA, furnishers of information are required to : Report complete and accurate information. 

Promptly update and correct information that is determined to be incomplete or inaccurate. 

XXXX a reasonable investigation when a consumer disputes the accuracy of reported information. 

The company has told me to contact the credit bureaus directly instead of investigating or correcting the matter, which fails to meet their obligations under the FCRA. This inaccurate reporting is damaging my credit score and harming my ability to obtain credit on fair terms.

I request that the CFPB investigate and require the company and the credit bureaus to : Correct the reporting to accurately reflect the account as paid as agreed, Remove the delinquency notation from my credit report, and Provide written confirmation of the correction.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). 

I contacted XXXX XXXX XXXX regarding my account ( # XXXX ) after noticing that my credit report lists it as delinquent. The company informed me that they reported the account as paid as agreed and that their reporting is accurate. However, my credit report still shows a delinquency for this account. 

This is a clear discrepancy between what the furnisher claims to have reported and what the credit bureaus are publishing. Under the FCRA, furnishers of information are required to : Report complete and accurate information. 

Promptly update and correct information that is determined to be incomplete or inaccurate.

Conduct a reasonable investigation when a consumer disputes the accuracy of reported information.

The company has told me to contact the credit bureaus directly instead of investigating or correcting the matter, which fails to meet their obligations under the FCRA. This inaccurate reporting is damaging my credit score and harming my ability to obtain credit on fair terms.

I request that the CFPB investigate and require the company and the credit bureaus to : Correct the reporting to accurately reflect the account as paid as agreed, Remove the delinquency notation from my credit report, and Provide written confirmation of the correction.

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 2025-08-13 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: NJ

Complaint narrative:
I am disputing inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). 

I contacted XXXX XXXX XXXX regarding my account ( XXXX XXXXXXXX ) after noticing that my credit report lists it as delinquent. The company informed me that they reported the account as paid as agreed and that their reporting is accurate. However, my credit report still shows a delinquency for this account. 

This is a clear discrepancy between what the furnisher claims to have reported and what the credit bureaus are publishing. Under the FCRA, furnishers of information are required to : Report complete and accurate information.

Promptly update and correct information that is determined to be incomplete or inaccurate.

Conduct a reasonable investigation when a consumer disputes the accuracy of reported information.

The company has told me to contact the credit bureaus directly instead of investigating or correcting the matter, which fails to meet their obligations under the FCRA. This inaccurate reporting is damaging my credit score and harming my ability to obtain credit on fair terms. 

I request that the CFPB investigate and require the company and the credit bureaus to : Correct the reporting to accurately reflect the account as paid as agreed, Remove the delinquency notation from my credit report, and Provide written confirmation of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding the immediate removal of a fraudulent account that has been falsely reported on my credit file. I have never applied for, opened, or authorized this account, and its presence is a clear error. This false reporting is damaging my credit profile and must be deleted without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: NH

Complaint narrative:
1. Charged-Off Accounts Capital One ( 2 accounts ) : Discharged through bankruptcy but showing charge-off status Discover Card : Discharged through bankruptcy Discover Student Loans ( 2 accounts ) : {$16000.00} and {$10000.00} written off XXXX : Discharged through bankruptcy.

Fair Credit Reporting Act ( FCRA ) Violations 1. Inaccurate Reporting Post-Bankruptcy Issue : Accounts discharged in bankruptcy ( XX/XX/XXXX ) still showing charge-off status Law : FCRA Section 605 ( a ) - accounts included in bankruptcy should reflect " Included in Bankruptcy '' not charge-off Action : Dispute with all three bureaus citing inaccurate post-discharge reporting For Charge-Off Accounts : " This account was included in my XXXX  XXXX bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. The current reporting as 'charge-off ' is inaccurate and misleading. Per FCRA Section 623, this should reflect 'Included in Bankruptcy ' status only. '' For Student Loans : " I dispute the accuracy and completeness of this account. The reported balance and charge-off status appear inflated and unverified. I request validation of this debt including original loan documentation and payment history under FCRA Section 611. '' For Closed Accounts : " Request removal of this closed account as it serves no legitimate business purpose and negatively impacts my credit utilization calculations under FCRA Section 605 ( a ). '' For Charge-Off Accounts : " This account was included in my XXXX XXXX  bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. The current reporting as 'charge-off ' is inaccurate and misleading. Per FCRA Section 623, this should reflect 'Included in Bankruptcy ' status only. '' For Student Loans : " I dispute the accuracy and completeness of this account. The reported balance and charge-off status appear inflated and unverified. I request validation of this debt including original loan documentation and payment history under FCRA Section 611. '' For Closed Accounts : " Request removal of this closed account as it serves no legitimate business purpose and negatively impacts my credit utilization calculations under FCRA Section 605 ( a ). ''

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 2025-08-13 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: NH

Complaint narrative:
1. Charged-Off Accounts Capital One ( 2 accounts ) : Discharged through bankruptcy but showing charge-off status Discover Card : Discharged through bankruptcy Discover Student Loans ( 2 accounts ) : {$16000.00} and {$10000.00} written off XXXX : Discharged through bankruptcy.

Fair Credit Reporting Act ( FCRA ) Violations 1. Inaccurate Reporting Post-Bankruptcy Issue : Accounts discharged in bankruptcy ( XX/XX/XXXX ) still showing charge-off status Law : FCRA Section 605 ( a ) - accounts included in bankruptcy should reflect " Included in Bankruptcy '' not charge-off Action : Dispute with all three bureaus citing inaccurate post-discharge reporting For Charge-Off Accounts : " This account was included in my XXXX  XXXX bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. The current reporting as 'charge-off ' is inaccurate and misleading. Per FCRA Section 623, this should reflect 'Included in Bankruptcy ' status only. '' For Student Loans : " I dispute the accuracy and completeness of this account. The reported balance and charge-off status appear inflated and unverified. I request validation of this debt including original loan documentation and payment history under FCRA Section 611. '' For Closed Accounts : " Request removal of this closed account as it serves no legitimate business purpose and negatively impacts my credit utilization calculations under FCRA Section 605 ( a ). '' For Charge-Off Accounts : " This account was included in my XXXX XXXX  bankruptcy filed XX/XX/XXXX and discharged XX/XX/XXXX. The current reporting as 'charge-off ' is inaccurate and misleading. Per FCRA Section 623, this should reflect 'Included in Bankruptcy ' status only. '' For Student Loans : " I dispute the accuracy and completeness of this account. The reported balance and charge-off status appear inflated and unverified. I request validation of this debt including original loan documentation and payment history under FCRA Section 611. '' For Closed Accounts : " Request removal of this closed account as it serves no legitimate business purpose and negatively impacts my credit utilization calculations under FCRA Section 605 ( a ). ''

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 2025-08-13 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: AL

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 : 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00}

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 explanation
Consumer complaint received 2025-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Alabama Housing Finance Authority
State: MO

Complaint narrative:
On XX/XX/year>, I contacted my loan servicer to request a loan assumption so I could remove a cosigner from the mortgage. We are not looking to refinance, as that would unnecessarily increase our interest rate and monthly payments, creating a financial burden. An assumption is the most reasonable option for our situation. I was told they have been unable to process assumptions since XXXX because they have no underwriters, and there is no timeline for when this will change. I have followed up multiple times, including with a Customer Service Supervisor, who confirmed the same information. This ongoing lack of action prevents us from making an important and reasonable change to our loan without incurring unnecessary costs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-08-13 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: SC

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 : INQUIRIES : XXXX  Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

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 : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$7300.00}

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 explanation
Consumer complaint received 2025-08-13 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: RI

Complaint narrative:
Re : Formal Demand for Deletion of Inaccurate Charge-Off Reporting Citicards XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This letter is a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I have reviewed my credit report and found an entry reporting a charge-off for the above-referenced account. I dispute the accuracy, completeness, and legality of this reporting in its entirety.

Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation to verify all aspects of this account, includingbut not limited tothe original signed contract, complete payment history, proof of lawful assignment, and documentation showing the calculation of the alleged balance at charge-off. Generic data from a furnisher or automated records are not sufficient verification.

Additionally, pursuant to 15 U.S.C. 1692g ( b ), if this account was ever in the possession of a debt collector, all collection activity ( including reporting ) must cease until full validation is provided. If the debt has been sold, the original creditors continued reporting may constitute furnishing inaccurate information in violation of 15 U.S.C. 1681s-2 ( a ). 

If you can not provide verifiable documentation within 30 days from the receipt of this dispute that satisfies the above requirements, you must immediately delete this account from my credit file and provide written confirmation. 

Be advised that continued reporting of unverifiable, outdated, or incomplete data will constitute willful non-compliance with federal law, exposing your agency to legal action, statutory damages under 15 U.S.C. 1681n, and attorneys fees.

This is my final attempt to resolve this matter amicably. Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation