vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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:
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 This includes the prompt correction of outdated or incorrect information.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 non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ].

Demand for Action : I demand that Credit Bureau immediately investigate this dispute and remove the inaccurate and invalid collection account from my credit report. Failure to do so within 15 business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 
Supporting Documentation ( if applicable ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
My vehicle was repossessed by XXXX XXXX and the account was closed in XX/XX/year>. The balance is currently reporting as {$0.00} and the account was marked as charged off and sold to another lender. Despite the {$0.00} balance and account closure, XXXX is still reporting a derogatory charge-off status on my credit report. 

I did not receive a XXXX, and no documentation has been provided to support the continued reporting of this account as negative. I previously disputed this account through the credit bureaus, but it was returned as verified without any explanation or evidence. 

This is a violation of the Fair Credit Reporting Act under 15 USC 1681i ( failure to reasonably investigate ) and 1681s-2 ( inaccurate reporting by furnishers ). I am requesting the deletion or accurate correction of this account because it is unverifiable and misleading.

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 2025-06-04 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:
My vehicle was repossessed by XXXX XXXX and the account was closed in XXXX XXXXXX/XX/year>. The balance is currently reporting as {$0.00} and the account was marked as charged off and sold to another lender. Despite the {$0.00} balance and account closure, XXXX is still reporting a derogatory charge-off status on my credit report. 

I did not receive a XXXX, and no documentation has been provided to support the continued reporting of this account as negative. I previously disputed this account through the credit bureaus, but it was returned as verified without any explanation or evidence. 

This is a violation of the Fair Credit Reporting Act under 15 USC 1681i ( failure to reasonably investigate ) and 1681s-2 ( inaccurate reporting by furnishers ). I am requesting the deletion or accurate correction of this account because it is unverifiable and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
My vehicle was repossessed by XXXX XXXX and the account was closed in XX/XX/year>. The balance is currently reporting as {$0.00} and the account was marked as charged off and sold to another lender. Despite the {$0.00} balance and account closure, XXXX is still reporting a derogatory charge-off status on my credit report. 

I did not receive a XXXX, and no documentation has been provided to support the continued reporting of this account as negative. I previously disputed this account through the credit bureaus, but it was returned as verified without any explanation or evidence. 

This is a violation of the Fair Credit Reporting Act under 15 USC 1681i ( failure to reasonably investigate ) and 1681s-2 ( inaccurate reporting by furnishers ). I am requesting the deletion or accurate correction of this account because it is unverifiable and misleading.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates, a debt collection agency located at XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX, has continued collection efforts on a debt that was a result of Identity Fraud/Theft. 

They have also failed to provide any verifying information as to the validity of said debt including but not limited to proof that they are legally authorized to collect this debt in my state, a copy of the original, signed contact, and a complete payment history and explanation of any interest or fees added. 

XXXX XXXX Credit Card debt in the amount of : {$560.00} Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Inaccurate and Outdated Credit Reporting Affecting Credit Score and Applications Dear CFPB Representative, I am writing to formally file a complaint concerning inaccurate and outdated credit reporting practices that have negatively affected my credit score and ability to obtain new credit. 

Over the past year, I have made significant efforts to improve my financial standing. I successfully settled all charge-off accounts directly with the original creditors and reduced my overall credit card balances to under {$300.00}, with a total available limit of approximately {$3500.00}. My student loans, totaling around {$45000.00}, remain in good standing and are reported as current. 

Despite these improvements, my credit scores remain disproportionately low, ranging between XXXX and XXXX. More troubling, I have noticed discrepancies in the data reported by the XXXX major credit bureaus : Experian, Equifax, and TransUnion. Specifically : * Equifax appears to be displaying outdated credit scores from as far back as XX/XX/year>, with some accounts showing incorrect balances or statuses. 

* Some positive changes, such as settled charge-offs and reduced utilization, have not been fully reflected across all bureaus. 

* As a result, I continue to be denied for both credit card and mortgage applications, citing insufficient credit scoreseven though my current profile should support approval under most underwriting guidelines. 

I have attempted to contact the credit bureaus directly to address these issues. While some corrections were made, certain inaccuracies remain unresolved or inconsistently reported. These reporting issues have materially impacted my ability to access fair and accurate credit. 

I respectfully request that the CFPB investigate the reporting practices of the credit bureaus and ensure that all updated and corrected information is being accurately reflected in my credit reports. Additionally, I request confirmation that my rights under the Fair Credit Reporting Act ( FCRA ) are being honored and that any erroneous or outdated entries are promptly addressed. 

I am prepared to provide supporting documentation, including settlement letters, current credit reports, and account statements upon request. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Inaccurate and Outdated Credit Reporting Affecting Credit Score and Applications Dear CFPB Representative, I am writing to formally file a complaint concerning inaccurate and outdated credit reporting practices that have negatively affected my credit score and ability to obtain new credit. 

Over the past year, I have made significant efforts to improve my financial standing. I successfully settled all charge-off accounts directly with the original creditors and reduced my overall credit card balances to under {$300.00}, with a total available limit of approximately {$3500.00}. My student loans, totaling around {$45000.00}, remain in good standing and are reported as current. 

Despite these improvements, my credit scores remain disproportionately low, ranging between XXXX and XXXX. More troubling, I have noticed discrepancies in the data reported by the XXXX major credit bureaus : Experian, Equifax, and TransUnion. Specifically : * Equifax appears to be displaying outdated credit scores from as far back as XX/XX/year>, with some accounts showing incorrect balances or statuses. 

* Some positive changes, such as settled charge-offs and reduced utilization, have not been fully reflected across all bureaus. 

* As a result, I continue to be denied for both credit card and mortgage applications, citing insufficient credit scoreseven though my current profile should support approval under most underwriting guidelines. 

I have attempted to contact the credit bureaus directly to address these issues. While some corrections were made, certain inaccuracies remain unresolved or inconsistently reported. These reporting issues have materially impacted my ability to access fair and accurate credit. 

I respectfully request that the CFPB investigate the reporting practices of the credit bureaus and ensure that all updated and corrected information is being accurately reflected in my credit reports. Additionally, I request confirmation that my rights under the Fair Credit Reporting Act ( FCRA ) are being honored and that any erroneous or outdated entries are promptly addressed. 

I am prepared to provide supporting documentation, including settlement letters, current credit reports, and account statements upon request. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am filing this complaint against the credit bureaus for reporting several unverifiable and potentially inaccurate accounts on my credit report. 
I submitted a formal dispute requesting full legal verification under FCRA 1681i ( a ) and 1681s-2 ( b ), including a copy of the original signed contract, itemized accounting, proof of ownership, and confirmation that the debt is within the statute of limitations. 
These accounts were never validated with such documentation. The bureaus failed to comply with federal law by continuing to report these accounts without proper verification. I am requesting the immediate deletion of the following accounts as required under FCRA 1681i ( a ) ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of my consumer rights. I am requesting the CFPB to intervene and ensure these unverifiable accounts are removed from my report immediately.

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 2025-06-04 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:
Under the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ), I am formally disputing the following inaccuracies on my credit report. Please investigate and remove or correct all erroneous items, including : 1. Incorrect Personal Information : Wrong Name Variations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Social Security Number : Ending in XXXX Incorrect Phone Number : XXXX XXXX. Disputed Negative Accounts : I dispute the following accounts, which are either inaccurate, fraudulent, or do not belong to me : XXXX XXXX. 

XXXX XXXX XXXX XXXX / XXXX XXXX National Credit Adjusters Possible Financial These items are incomplete, misleading, or unverified under 15 U.S. Code 1681c. I request : Verification of the debts ( proof of ownership, original contract, and payment history ).

Removal of unverified or incorrect items within 30 days as required by law.

Correction of all personal information ( name, address, SSN ).

Supporting Documents : Copy of my government-issued ID Proof of my correct address ( e.g., utility bill ) Social Security card ( last four digits redacted ) Please provide a corrected credit report and confirmation of deletions once the investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
Several companies have accessed my credit report without my authorization, resulting in direct harm to both my credit and credit score. I previously contacted the credit reporting agency and was assured by a representative that these unauthorized inquiries would be removed. Yet they remain on my report. 
The continued presence of these potentially fraudulent entries is deeply troubling and raises serious concerns about identity theft. This ongoing issue is causing undue stress and further damaging my financial stability. I expect immediate action to investigate and remove these inquiries 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 2025-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX of last year, a Bank of America employee, XXXX XXXX, in XXXX XXXX, PA opened an on-line banking account in my name, to facilitate the replacement of a lost credit card. ( She actually took it upon herself to create my User ID and password, which I thought was irregular. ) In the process, and unbeknownst to me, she eliminated paper billing statements AND failed to establish electronic alerts. In addition, unlike my other credit card account, no automatic payments were set up. In other words, she changed everything, without informing me. As a result, after a few months passed, I had accumulated an unpaid balance, but was not notified of the obligation, only informed by the bank four days after the XX/XX/year> due date, via an automated phone call. In contacting customer service, I realized what XXXX had done, without my consent ; I immediately paid my bill and activated electronic notifications. Still, Bank of America indicated they had reduced my credit line from {$12000.00} to approximately {$2000.00}, and reported the delinquency to XXXX, causing my credit score to plummet XXXX points. 

I placed several calls to the bank and they quickly and fully restored my credit line ( see attached ) and were confident the late payment would be reversed, but added the rating issue would procedurally take several months to fix, and counseled patience. In XXXX, I received a letter ( attached ) saying that they 'considered the issue resolved '' but without an explanation. I called the XXXX XXXX branch and spoke to the manager, XXXX XXXX, who said the Bank had sent me a delinquency letter prior to the final due date and they believed I had overlooked it. I explained that I had a perfect 20+ year credit history and had certainly not received such a notice. I asked for a copy and to date have not received it. None of this, of course, would have taken place except I was unilaterally signed up for electronic banking and not made aware that statements had been terminated, creating a very serious and stressful credit issue for me. It is not correct and inconsistent with the bank 's otherwise satisfactory service level. Finally, I spoke to XXXX today ( XXXX ) and they strongly recommended I file a complaint with the 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 2025-06-04 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 recently checked my credit report and saw accounts reporting collections that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I recently checked my credit report and saw accounts reporting collections that I do not recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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