vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
On XX/XX/XXXX, I disputed an installment loan from XXXX XXXX reported as Collection/Charge-off with a balance of {$1000.00}. The reporting is inaccurate and incomplete and conflicts across bureaus : Date opened : XX/XX/XXXX ( XXXX  ) XXXX XX/XX/XXXX ( Equifax ) High credit : {$1000.00} ( XXXX  ) vs {$1000.00} ( Equifax ) Date last active : XX/XX/XXXX ( XXXX  ) XXXX XX/XX/XXXX ( Equifax ) Last reported : XX/XX/XXXX ( XXXX  ) XXXX XX/XX/XXXX ( Equifax ) A XXXX installment loan shows no monthly payment. 
The account is marked charge-off while also listing the entire balance as past due, which is misleading. 
No Date of First Delinquency ( DOFD ) is shown on my consumer disclosure, and I have not received itemized accounting or the signed agreement from the furnisher. 

This violates the FCRA : 607 ( b ) / 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) 611 / 15 U.S.C. 1681i ( a ) ( reasonable reinvestigation ; delete if unverifiable ) 611 ( a ) ( 7 ) ( method of verification must be provided ) 623 ( b ) / 15 U.S.C. 1681s-2 ( b ) ( furnisher must investigate/correct )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX FactorTrust , Inc . 
XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Immediate XXXX Removal of Fraudulent Information and Update of Contact Information Under FCRA Section 605B and 15 U.S.C. 1681e ( b ) Dear Sir/Madam, I am writing pursuant to FCRA Section 605B, regarding fraudulent, inaccurate, and outdated information appearing on my credit report. Under the law, credit reporting agencies must block information resulting from identity theft within XXXX business days of receiving proper documentation and provide written confirmation once the block has been completed.

Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information reported. The items listed below violate this requirement, as they are fraudulent, inaccurate, or outdated. 

Updated Contact Information : Address : XXXX XXXX XXXX, XXXX, LA XXXX Phone : XXXX Email : XXXX Fraudulent/Disputed Accounts and Information : XXXX. XXXX XXXX XXXX ID XXXX ( XXXX / XXXX ) XXXX. TransUnion XXXX XXXX XXXX XXXX XXXX Company ID XXXX ( XXXX ) XXXX. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company ID XXXX ( XXXX ) Fraudulent or Outdated Addresses : XXXX XXXX XXXX, XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  XXXX, XXXX, LA XXXX Emails to Remove : XXXX Other Accounts/Contacts to Remove : Speedy Cash Consumer Disputes, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Driver License Numbers to Remove : XXXX XXXX XXXX : * XXXX, * XXXX Other Inaccurate/Irrelevant Information : Mo Better {$4000.00} Monthly Industries Blank / Blank Enclosures ( Required for 605B Compliance ) : 1. Copy of government-issued ID with updated address 2. Photos/screenshots of inaccuracies on credit report 3. Credit report highlighting disputed items 4. Other supporting documentation verifying fraudulent or inaccurate information Please block all fraudulent and inaccurate information within XXXX business days, update my contact information, and send written confirmation to the address listed above. Failure to comply may constitute a violation of both FCRA Section 605B and 15 U.S.C. 1681e ( b ).

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 2025-08-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma, LLC
State: NV

Complaint narrative:
I applied for a personal loan using the credit karma garauntee for a personal loan for debt consolidation in the amount of {$15000.00} however when the agent from XXXX XXXX XXXX  called they said I would not be approved for any type of loan even though I already had a hard credit check and only applied because I had the credit karma guarantee this is false advertising and very misleading causing a hit to my credit score for something the company knew I wouldnt be approved for. This is not right and extremely misleading and corrupt to the consumer especially when they take a hard credit check before youre even approved for the loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
My Equifax credit report shows an account from XXXX with a balance of {$460.00}. The account is reported as Opened XX/XX/year> but also shows Last Active/Last Payment on XX/XX/year> months before the opening date. It is listed as both an Open Account and a Collection. Additionally, the file reflects 120 Days Late even though there is no valid monthly billing schedule or contractual obligation tied to this account.

This reporting violates several consumer protection laws : FCRA 1681e ( b ) Requires credit reporting to be accurate; contradictory dates and statuses break this rule.

FCRA 1681i ( a ) Requires reinvestigation of disputed information ; unverifiable data must be corrected or deleted.

FDCPA 1692e Prohibits false or misleading representation of debt ; labeling an account as both Open and Collection while assigning lates without a contract is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX was the service provider for my student loan since XXXX. XXXX changed my service provider to XXXX in XXXX and all notifications to my email address were automatically filtered to spam as XXXX was not a recognised sender. 

My gmail account automatically deletes spam messages every 30 days and I did not receive any of the notifications of the outstanding payment due as I thought I was done with my loan payments. 

The outstanding balance was {$180.00} I was notified that my credit score dropped from XXXX to XXXX on XX/XX/XXXX and I immediately investigated it. Upon figuring out that there was an outstanding student loan payment, I paid the balance in full on XXXX XXXX, XXXX. My credit card provider also reduced my available line of credit as a result, which has taken months to sort out. 

I requested a goodwill adjustment from XXXX to remove the late payment from my credit history, as this was an accidental oversight caused by system failure and not reflective of my financial consistency with all other student loan payments. 

XXXX denied my request on the basis of maintaining fairness but a single missed payment has wreaked havoc on a hard-won credit score and hardly seems fair to not be offered an adjustment for such a small amount of money and immediate rectification of the issue. 

I am requesting that a goodwill adjustment be made for this single late payment to restore my credit score as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-16 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: OK

Complaint narrative:
b'"I sent a certified letter to Equifax XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX  via USPS. The letter was received on XXXX. Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:\'\' \n\XXXX  ACC# XXXX  BALANCE: XXXX\n\XXXX ACC# XXXX  BALANCE: XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> - Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established in my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate measures to correct any inaccuracies or fraudulent activities that may have taken place. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-16 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: IL

Complaint narrative:
XXXX XXXX  account was paid in full and closed XX/XX/year>. TransUnion is reporting incorrect account status by coding it with derogatory/negative history instead of Paid, Closed, {$0.00} balance. XXXX XXXX CRRG requires that once a mortgage is paid and closed, it must show {$0.00} balance and no ongoing delinquency. This inaccurate reporting misrepresents my payment history, damages my credit standing, and has caused harm including higher refinancing costs and stress.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the credit reporting agencies ( Experian, TransUnion, and Equifax ) continue to report inaccurate, incomplete, and unverifiable information on my consumer reports despite my disputes. The reports contain derogatory tradelines, late payment notations, and inquiries that do not meet the standards of accuracy or compliance required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ) and XXXX XXXX reporting guidelines. 

The bureaus have failed to ensure maximum possible accuracy. There are multiple inconsistencies between balance amounts, payment history grids, account status fields, and date logic ( Date Opened, Date of First Delinquency, Last Payment, and Last Reported ). These contradictions make the reporting misleading and unverifiable. Some accounts are shown with late payments even though the payment history does not align with the reported delinquency counters. In other cases, charge-off or collection accounts are displaying balances and statuses that do not reconcile with the loan terms or creditors own reporting obligations. 

Additionally, there are hard inquiries present on my reports that were never authorized or supported by permissible purpose under FCRA 1681b. These inquiries are negatively impacting my creditworthiness without my consent.

I have already disputed these errors directly with the credit bureaus. Instead of correcting or permanently deleting the unverifiable items, they continue to verify the inaccurate data without providing proper proof or investigation. This practice violates FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation, and 623, which requires furnishers to accurately update or delete disputed information.

As a consumer, I should not be forced to suffer damage to my credit reputation and scoring because the CRAs are allowing furnishers to report contradictory and unverifiable information in violation of XXXX XXXX standards and federal 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