vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my credit file by the XXXX major credit bureaus. My XXXX  XXXX bankruptcy was filed and XXXX through the Bankruptcy XXXX XXXX XXXX, Georgia. Upon contacting the court directly, I was informed that they DO NOT provide bankruptcy information to any credit reporting agencies and said they DID NOT supply said info to Equifax, Experian or Transunion. 

Therefore, the presence of this bankruptcy on my credit report indicates that the information may have been obtained by an unauthorized third party, which could constitute a violation of the Fair Credit Reporting Act ( FCRA ). Since this data can not be verified as obtained from an official source, I am requesting the immediate removal of the bankruptcy record from all 3 of my credit reports.

Additionally, several credit inquiries appear on my file that are directly associated with debts that were included and XXXX in the same XXXX  XXXX bankruptcy. These inquiries no longer have a permissible purpose under FCRA 604, as the underlying accounts have been legally extinguished. I am requesting that the CFPB require all 3 credit bureaus to remove all such inquiries as well, as they are now unauthorized and misleading.

Please investigate this matter and compel all 3 credit bureaus to : 1. Delete the unverifiable bankruptcy record from my credit files.

2. Remove all related hard inquiries tied to debts discharged in bankruptcy. 

XXXX. XXXX rescore so that my credit score is accurate and up to date. 


Thank you for your assistance and prompt attention to 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 non-monetary relief
Consumer complaint received 2025-11-06 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 am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-06 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: CA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXXXXXX XXXX in XXXX, PA, per USPS Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-11-06 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: IL

Complaint narrative:
I am formally requesting the removal and permanent deletion of the account associated with XXXX account number : XXXX from all credit reporting and internal records. This account has been paid in full and should no longer reflect any late or delinquent status. Continued reporting of this account as late or open after payment is inaccurate and misleading, constituting an error under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). As you are unable to provide verifiable documentation confirming the accuracy of the current 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 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I am submitting this complaint regarding Professional Credit Management, which continues to report a paid medical debt ( Account # XXXX ) to the credit bureaus. The debt was paid in full, yet it remains listed as a collection account on my Experian and TransUnion credit reports. 
According to the CFPBs guidance issued in 2022 and subsequent updates, paid medical debt should no longer appear on consumer credit reports. The major credit bureausXXXX XXXX XXXX XXXXXXXXhave agreed to remove all paid medical collection debt from credit files to prevent unfair harm to consumers credit standing. 
Despite this, Professional Credit Management has failed to update or remove this account, resulting in inaccurate and misleading reporting in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This continued reporting negatively impacts my creditworthiness and is not consistent with current CFPB guidance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information on my Equifax credit report. After reviewing my credit report, I have found entries that I believe to be erroneous or unverifiable, particularly concerning charge-offs and collections. The following items need to be reviewed : Charge-off Account : o Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
I am disputing several accounts and inquiries on my Experian credit report that I believe may be incorrect or incomplete. I request a thorough investigation into these items and ask that any unverifiable information be removed. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Credit Bureau reporting department Re : Request for Correction of Address Factual Error FCRA 602, 607 ( b ), 611 ( a ) To Whom It May Concern, This letter is a formal dispute regarding inaccurate personal identifying information appearing in my TransUnion consumer file. 

TransUnion is currently reporting multiple * * incorrect and misspelled versions of my residential address * *, including but not limited to : - XXXX XXXX Indiana, XXXX, IL XXXX - XXXX XXXX XXXX XXXX, XXXX, IL XXXX - XXXX XXXX XXXX ( XXXX XXXX ) These addresses are * * factually inaccurate * * and do not reflect my true and current place of residence. 

* * My correct and current address, which must be updated and reported accurately, is : * * * * XXXX XXXX XXXX XXXX XXXX, IL XXXX * * Under the Fair Credit Reporting Act, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy in consumer files ( FCRA 607 ( b ) ). The incorrect address variations currently reporting violate that obligation and must be corrected. 

I have enclosed copies of my government-issued identification and a recent utility bill as proof of my accurate address. 

I am requesting the following actions : 1. Update the address in my file to the correct spelling and formatting listed above. 
2. Remove any incorrect or misspelled versions of my address. 
3. Provide written confirmation of the reinvestigation and completed correction within 30 days, pursuant to FCRA 611 ( a ). 
XXXX. Notify any furnishers or third parties that previously received the inaccurate address information. 

This is a factual dispute and requires correction under the FCRA. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: LA

Complaint narrative:
I am writing to dispute the inaccurate reporting of the above-referenced account on my credit report. This account has been paid in full and closed, however it is still being reported inaccurately on credit bureaus : Equifax, and TransUnion. 

According to the Fair Credit Reporting Act ( FCRA ), information reported to credit bureaus must be complete, accurate, and verifiable. The current reporting status is not accurate and is negatively affecting my credit profile. 

Requested Action : Please update the account to reflect a Paid/Closed status and remove any negative or incorrect information associated with this account. I request that this correction be made with all three credit bureaus. 

I have included supporting documentation showing that the account has been paid. 
Please complete your investigation and provide written confirmation once these corrections have been made. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express advised that the dispute has been closed in my favor, resulting in a credit balance of approximately {$72000.00}. However, I have been informed that the credit remains 'temporary ' and that American Express may, at some undefined future date, accept additional information from the merchantpotentially years later. I have also been told there is no resolution date and that the funds can not be refunded, transferred, or used as cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-06 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am writing to file a formal complaint against inaccurate and unverifiable information appearing on my credit reports. Despite my repeated attempts to resolve these issues with the credit bureaus and furnishers, the false data remains, causing ongoing harm to my creditworthiness and financial reputation. 

Below are the specific items in question : Wrong Addresses Reported : XXXX XXXX XXXX, TX XXXX This is not nor has ever been my address. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX This address is also inaccurate and unrelated to me. 

Inaccurate Account Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Listed with late payments and a balance of {$210000.00}. I dispute this reporting as I have never made any late payments, and this account history is inaccurate. I am requesting an immediate correction of this false payment history. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported with late payments and a balance of {$11000.00}. This is inaccurate since I have never made any late payments on this account. The payment record must be corrected to reflect accurate, timely payments. 

Unverified Collection Accounts : XXXX XXXX XXXXXXXX XXXX Balance {$4600.00}, opened XX/XX/XXXX. I have no knowledge of this account, and no valid proof of ownership or authorization has been provided. I am requesting that this unverified collection be deleted from my credit report immediately. 

XXXX XXXX XXXX Balance {$190.00}, opened XX/XX/XXXX. I also have no knowledge of this account, and it must be deleted as it is unverified and falsely attributed to me. 

Unauthorized or Questionable Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and are negatively impacting my credit profile. I request a full investigation into how and why these inquiries occurred and removal of any that can not be validated with documented authorization. 

Requested Resolution : I am requesting the CFPBs assistance to ensure that the credit bureaus and data furnishers : Delete all inaccurate and unverified addresses. 

Correct the false late payment notations foXXXX XXXX XXXX XXXX XXXX 

Delete the unverified collection accounts reported by XXXX XXXX and XXXX XXXX. 

Investigate and remove the unauthorized inquiries listed above. 

These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate, verifiable, and complete. The continued reporting of false data after dispute constitutes noncompliance and ongoing consumer harm. 

I request that this matter be investigated promptly, and I look forward to receiving confirmation that these issues have been fully resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
My vehicle was declared a total loss in XX/XX/XXXX. A gap insurance claim was opened and was responsible for paying the remaining balance on my auto loan with XXXX XXXX. 

There was a delay in the gap payout due to the insurance company requesting additional information that I was unaware of. The claim was eventually completed and XXXX XXXX was paid in full in XX/XX/XXXX. The account now has a XXXX balance and is closed. 

Despite this, XXXX XXXX reported late payments and then reported the account as a charge-off in XX/XX/XXXX while an active insurance claim was still in progress. The account was never abandoned, and payment was being processed by insurance. Reporting a charge-off under these circumstances is inaccurate and misleading. 

I contacted XXXX XXXX to dispute the late payments and charge-off status. They refused to correct the reporting, even after receiving full payment from insurance. They stated that the credit reporting is accurate because the contract says I was still required to make payments until insurance paid out, but this does not change the fact that they charged off a balance that was ultimately paid. It misrepresents the account and damages my credit. 

Under the Fair Credit Reporting Act, furnishers must not report information that is inaccurate or misleading. Reporting this account as a charge-off does not accurately reflect the final outcome of the loan. I am requesting that the late payments and charge-off be removed and the tradeline be updated to reflect : Paid in Full / Closed in Good Standing. As well as a goodwill adjustment to the payment history.

Company response to consumer: Closed with explanation