vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: KY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX and I am submitting this complaint regarding Experian due to their ongoing refusal to update critical and time-sensitive information on my credit report. I have made multiple attempts over the past year to resolve these issues directly with Experian, including several phone calls and a direct email sent on or around [ INSERT DATE OF LAST EMAIL ]. I have received no meaningful response or resolution from them. 

One of the main issues involves a federal student loan that was officially XXXX in XX/XX/year>. While botXXXX XXXX XXXX XXXX have already updated my reports to reflect this discharge, Experian continues to report the loan inaccurately and has not made the necessary changes to reflect that the loan is no longer active or owed. 

In addition, I want to clarify that even when I log in directly to Experians website and click on my XXXX report through their platform, it still shows that I owe on these student loans even though XXXX has already corrected this on their own site. This tells me Experian is pulling in outdated or inaccurate information under their system and displaying it in a way thats misleading and damaging. 

I have also asked Experian to update several other items on my credit report, including : My current mailing address My email address My phone number My employer/job information Despite these being simple and routine updates, Experian has failed to process or respond to these requests, and the outdated personal information remains on file. 

I have included supporting attachments, including : Screenshots proving that the student loan was XXXX A copy of the email I sent to Experian requesting the updates Evidence showing that the loan has been updated properly on XXXX XXXX XXXX I am now formally requesting that the Consumer Financial Protection Bureau investigate Experians failure to act in accordance with the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to correct inaccurate or outdated information in a timely manner. 

I am requesting that : 1. Experian immediately update my credit report to reflect the discharge of my student loan 2. Experian remove or correct all outdated personal information as listed above 3. A response be sent to me through this complaint portal within the 15-day timeframe required Thank you for your attention to this matter. 

Sincerely, 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 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : NamXXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 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:
I am filing this formal complaint against Experian for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S. Code 1681i ( Investigation of Disputes ) and 15 U.S. Code 1681e ( b ) ( Reasonable Procedures to Ensure Maximum Possible Accuracy ). Despite multiple disputes, Experian continues to report inaccurate and unverifiable information on my credit report, which is causing me irreparable financial and emotional harm. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate Experians actions and require them to immediately delete or correct the following inaccurate items which I am disputing below : XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX Wrong Address This address is inaccurate and not associated with me. Reporting of incorrect addresses violates FCRA 1681e ( b ) which requires Experian to maintain accurate and up-to-date consumer information. 
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Wrong Address This address is also incorrect and not related to me in any capacity. Continued reporting violates FCRA 1681i ( a ) ( 1 ) ( A ) which mandates a reinvestigation upon notice of dispute. 
XXXX XXXX XXXX Bankruptcy Reference # XXXX Court XXXX XXXX XXXX XXXX Bankruptcy I dispute the reporting of this bankruptcy. It has been inaccurately verified or is outdated and no longer should be reported. Reporting this bankruptcy is causing undue harm and misrepresents my current credit profile. Under FCRA 1681c ( a ) ( 1 ), bankruptcies may not be reported more than 10 years from the filing date, and per 1681i, any item that can not be verified must be deleted.

Violation Summary : Experian is in violation of the following provisions : FCRA 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation within the statutory 30-day window FCRA 1681c : Reporting of outdated and obsolete information I request CFPB to intervene and require Experian to : Delete the XXXX inaccurate addresses Delete the inaccurate or unverifiable XXXX XXXX Bankruptcy reporting Provide written confirmation of these deletions Be held accountable for negligence and non-compliance This complaint is made in good faith and I am attaching supporting documents where necessary. I request immediate relief and correction as per the rights granted to me under federal law. 
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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 2025-07-07 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: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report 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 2025-07-07 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXection XXXX Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-07 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
Buying and selling my debt without consent and The act of intentionally deceiving someone, usually for personal or financial gain, often involving false representations, concealment of information, or other deceptive practices

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 2025-07-07 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-07-07 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: CT

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CT

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 non-monetary relief
Consumer complaint received 2025-07-07 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I am disputing a collection account reported by Southwest Credit Systems LP for {$1400.00} allegedly owed to XXXX. I do not recall receiving any validation or written notice from this agency prior to this item being placed on my credit report, which is required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g.

The balance appears inaccurate and higher than expected. Additionally, I was never contacted by Southwest Credit Systems before this account was reported, denying me the opportunity to validate or dispute the debt within the required timeframe.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I request that this account be investigated and removed from my credit report unless it can be properly validated. If validation can not be provided, I am requesting full deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hello, XXXX XXXX with NFCU is acting with non-compliance. She's making an honest attempt to recoup a partial amount of my funds, based on a denial a week before closing. She's dishonest, deceiving, and withholding pertinent information. If possible, would you please have her supervisor contact me regarding my loss? 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: MD

Complaint narrative:
On behalf of XXXX XXXX XXXX, I am submitting this formal follow-up regarding his original dispute filed on XX/XX/year>, with TransUnion for the reporting of inaccurate and potentially fraudulent accounts. 

XXXX XXXX submitted a complete dispute package, including an FTC Identity Theft Report, valid identification, and supporting documentation showing that the accounts in question were either opened fraudulently or are being reported inaccurately. Despite this, as of XX/XX/year> 30 days later TransUnion has failed to complete the investigation or issue a final decision as required by federal law. 

This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which mandates that all reinvestigations be completed within 30 days. TransUnions vague response stating they are still reviewing is not a valid or lawful resolution under FCRA guidelines. 

As a result, XXXX XXXX continues to experience credit denials, financial harm, and emotional stress from the bureau 's failure to act in accordance with the law. He has complied with all dispute requirements and acted in good faith throughout this process. 

We are requesting immediate deletion of the disputed items and written confirmation of compliance. Should this matter remain unresolved, we are prepared to escalate the issue to the State Attorney General, the XXXX XXXX XXXX, and pursue legal remedies.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief