vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: CA

Complaint narrative:
I am filing a complaint regarding false and malicious credit reporting by XXXX XXXX XXXX  and the credit bureaus XXXX, XXXX, and TransUnion. 

This account was a XXXX XXXX credit card opened in XXXX. The last payment was made on XX/XX/XXXX, and the Date of First Delinquency ( DOFD ) is XX/XX/XXXX. The account was charged off later that year. 

Despite this, XXXX XXXX and the credit reporting agencies continue to report this account every single month as if it is newly delinquent showing charge-off status from XXXX  through XXXX, using the same last payment date copied over repeatedly. 

This repeated re-aging is illegal. The account has had no legitimate activity in over XXXX years, yet the data is being refreshed monthly with narrative codes ( XXXX, XXXX, XXXX ) to suppress my credit profile. The same false information appears across all three bureaus with inconsistent account names, numbers, and addresses. The balance is also inaccurate ( {$620.00} on a {$300.00} limit ), and the account still shows as active. 

I have already disputed this with the credit bureaus. They acknowledged receipt, marked the account as dispute resolved, and verified the same false information proving this is willful and malicious behavior, not an accident. 

This data is also being distributed to third-party data handlers such as XXXX and XXXX, which impacts background checks, housing, and business credit eligibility. 

Because of this, I have been denied housing, lost access to student aid, been rejected for business funding, and suffered ongoing homelessness and emotional distress. 

If this account is not permanently removed from all consumer and third-party databases, any response from the companies involved will be treated as retaliatory and submitted as evidence in my upcoming federal lawsuit, which I plan to file in the XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This CFPB complaint will be logged in the court record.

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 2025-08-04 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: CA

Complaint narrative:
I am filing a complaint regarding false and malicious credit reporting by XXXX XXXX XXXX  and the credit bureaus Equifax, XXXX, and XXXX. 

This account was a XXXX XXXX credit card opened in XXXX. The last payment was made on XX/XX/XXXX, and the Date of First Delinquency ( DOFD ) is XX/XX/XXXX. The account was charged off later that year. 

Despite this, XXXX XXXX and the credit reporting agencies continue to report this account every single month as if it is newly delinquent showing charge-off status from XXXX through XXXX, using the same last payment date copied over repeatedly. 

This repeated re-aging is illegal. The account has had no legitimate activity in over six years, yet the data is being refreshed monthly with narrative codes ( XXXX, XXXX, XXXX ) to suppress my credit profile. The same false information appears across all three bureaus with inconsistent account names, numbers, and addresses. The balance is also inaccurate ( {$620.00} on a {$300.00} limit ), and the account still shows as active. 

I have already disputed this with the credit bureaus. They acknowledged receipt, marked the account as dispute resolved, and verified the same false information proving this is willful and malicious behavior, not an accident. 

This data is also being distributed to third-party data handlers such as XXXX and XXXX, which impacts background checks, housing, and business credit eligibility. 

Because of this, I have been denied housing, lost access to student aid, been rejected for business funding, and suffered ongoing homelessness and emotional distress. 

If this account is not permanently removed from all consumer and third-party databases, any response from the companies involved will be treated as retaliatory and submitted as evidence in my upcoming federal lawsuit, which I plan to file in the XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This CFPB complaint will be logged in the court record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Name : DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX The account shows consistent on-time payments, but suddenly reports a XXXX delinquency in XX/XX/. 

This is misleading, and violates the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), which requires furnishers to report information that is both accurate and complete.

I am requesting that this late payment entry be updated with an on-time payment for XX/XX/. 

The credit file should reflect no late payments on this account, in line with FCRA requirements.

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 2025-08-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Account Name : DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX The account shows consistent on-time payments, but suddenly reports a XXXX delinquency in XX/XX/. 

This is misleading, and violates the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), which requires furnishers to report information that is both accurate and complete.

I am requesting that this late payment entry be updated with an on-time payment for XX/XX/. 

The credit file should reflect no late payments on this account, in line with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 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 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 XXXX XXXX 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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
In late XXXX, I submitted a formal request for debt validation to Protas , Spivok & Collins , LLC regarding a debt they claimed was owed to XXXX XXXX, XXXX. On XX/XX/XXXX, they responded, but failed to provide a complete chain of title, a signed contract, or an itemized breakdown of the debt all of which are required under the Fair Debt Collection Practices Act ( FDCPA ). 

I submitted a detailed rebuttal through the Consumer Financial Protection Bureau on XX/XX/XXXX ( Complaint # XXXX ). That complaint was closed without resolution, and I never received a follow-up from the company or CFPB. 

In XX/XX/XXXX, I found a XXXX in Debt placed in my mailbox. It was not served by a sheriff, had no court case number, and appeared altered ( white-out was used on the date ). Upon checking with the local court, I was informed that no such case had been filed. 

This is extremely alarming. It appears to be an attempt to simulate legal action to intimidate me into paying a debt that has not been properly validated. This behavior not only violates FDCPA sections 1692g ( b ), 1692e, and 1692f, but may also violate Virginia state law regarding improper legal service and forgery of legal documents.

I am seeking regulatory review of these actions and immediate protection from further abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are items on my credit report that are inaccurate, outdated, or incomplete. These errors affect my ability to obtain credit and do not reflect my true credit history. The FCRA was enacted to ensure fairness, accuracy, and privacy in credit reporting, and continued reporting of incorrect information undermines those protections. Despite previous disputes and requests for verification, the accounts remain, with no meaningful investigation or correction provided. 
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 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXX XXXX XXXX  {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX$0.00}

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 2025-08-04 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my 3rd attempt removing these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( duplicate entry ) 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is my 3rd attempt removing these unauthorized inquiries. Please help me get these take care of immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( duplicate entry ) 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I am submitting a formal dispute regarding a late payment reported on my credit file that I believe to be inaccurate and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 602, 611, and 623.

In [ insert month and year ], a late payment was reported by [ insert creditor name ] to the credit reporting agencies. I promptly reached out to the creditor to clarify and resolve the matter. I submitted written disputes to both the creditor and the credit bureaus, requesting verification of the accuracy of this information under FCRA Section 611, which provides me the right to dispute inaccurate or incomplete information on my credit report.

To date, I have not received sufficient evidence validating the accuracy or completeness of this late payment. Under FCRA Section 623, data furnishers are required to conduct a reasonable investigation when a consumer disputes the accuracy of their reporting. I do not believe this has been done, as no detailed documentation has been provided to support the reported delinquency.

Furthermore, under FCRA Section 602, Congress established that all consumer reporting must be fair and equitable, with respect to the confidentiality, accuracy, and relevancy of the information. Reporting inaccurate or unverified negative information is harmful, unjust, and against the intent of this law.

I am requesting a full investigation into this matter, the removal of the disputed late payment, and written confirmation of the outcome. I have taken reasonable steps to resolve this directly, and I now ask for your assistance in ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX. XXXX is furnishing a fraudulent collection account to XXXX, which continues to publish and verify the information even after prior disputes and no validation was ever provided. I have never received a contract, lease, or utility bill only unverifiable data. The account is listed as : Status : Collection/Charge-Off Balance : {$1200.00} Open Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Dispute Remark : " Account information disputed by consumer '' XXXX  shows this account as open, despite it being a charge-off with no payment history, no date of first delinquency ( DOFD ), and no last payment. I have documentation from my XXXX XXXX XXXX XXXX credit report ( which pulls data from XXXX  ) confirming the same false reporting across platforms. The balance has never changed, yet the account is still shown as active, harming my credit score without any basis. 

I am requesting CFPB assistance in formally notifying both I.C. System and XXXX  that this complaint will be used as evidence in a federal lawsuit I am preparing to file in the U.S. District Court Eastern District of XXXX  ( XXXX XXXX ). 

This complaint documents repeated, knowing violations of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate reporting 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate 15 U.S.C. 605 ( c ) Illegal re-aging 15 U.S.C. 1692e ( 8 ) False reporting ( FDCPA ) 18 U.S. Code 1028A Aggravated identity theft 18 U.S. Code 1343 Wire fraud Defamation and extortion via unlawful credit suppression I am demanding permanent deletion of this unverifiable account and immediate cessation of re-reporting. I have preserved all records and screenshots and intend to submit this complaint as Exhibit A in court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 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 XXXXXX/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