vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney & # XXXX ; XXXX fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-07-22 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: TX

Complaint narrative:
XXXX didnt increase my credit limit for two reasons One is Based on your credit report, you have too many requests for credit And two that I was late/past due with other creditors And I was never late or past due at all I never requested too many recent Credit I had XXXX flagged credit card application I didnt apply for. 

Im not sure if XXXX is pulling someone else credit report that has the same name like mines I send XXXX some documents with the reference number XXXX XXXX XXXX and I never heard from them. I send them my proof of income and my bank statements and my recent copy of Experian credit report I will upload the documents on CFPB portal and have XXXX look at them please. They are not increase my credit limit at all. If they claimed that I was late or past due then why my accounts are still open. I dont have any late remarks reported to the credit bureau and I have a XXXX credit score with Experian and I sign up for XXXX my credit guide I dont see any past due remarks on them. I will also upload this I send XXXX a copy of the credit report and my bank statements and other stuff by mail

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 2025-07-22 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: HI

Complaint narrative:
I am writing to formally dispute the accuracy of information being reported on my Equifax credit report regarding the XXXX XXXX XXXX XXXX installment account ( Account Number : XXXX ), which was last reported on XX/XX/XXXX. 

This account is being reported with a charge-off status and multiple months of delinquencies ( 30, 60, 90, 120, and 150 days late ), with the first delinquency listed as XX/XX/XXXX. However, I dispute the accuracy of this reporting for the following reasons : No accurate documentation has been provided to validate this accounts status.

The charge off occurred after alleged delinquencies, yet no final payment activity date appears that aligns logically with the delinquency timeline.

You previously verified this information, yet it remains inaccurate or unverifiable per FCRA guidelines ( 15 U.S. Code 1681i Procedure in case of disputed accuracy ).

The account shows a payment of {$170.00} made in XX/XX/XXXX, which contradicts the ongoing delinquency status.


The tradeline notes " Paid Charge Off, '' which indicates the account was resolved, yet the derogatory status and months of delinquency remain on file, harming my credit unjustly. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure all data reported is accurate and verifiable. Since this account continues to be inaccurately reported despite prior disputes, I am
requesting the following : Deletion of the XXXX XXXX XXXX XXXX tradeline from my credit report due to unverifiable and inconsistent reporting.

A description of how this item was verified, including the method of verification, and the party contacted.

Please reinvestigate this item and provide a written response within 30 days as required by law. If the information can not be fully verified, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
am writing to formally dispute inaccurate and potentially unlawful information contained in my credit report, generated on XX/XX/XXXX under the name XXXX XXXX ( DOB : XXXX ). This information is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and may also violate consumer protections under the Fair Debt Collection Practices Act ( FDCPA ). 



Items in Dispute XXXX. Dept. of ED/XXXX Duplicate XXXXccounts Multiple listings for the same student loan ( s ) appear under three separate entries with differing balances and statuses. This is misleading and inflates the appearance of my debt. 
Action requested : Please verify and remove any duplicate or improperly split entries. 
XXXX. XXXX XXXX Account Re-Aged/Charged Off Incorrectly This account, closed in XXXX, is shown as charged off continuously into XXXX. If accurate closure occurred, this is re-aging in violation of FCRA 1681c.

Action requested : Remove or correct this account based on proper charge-off and closure dates. 
XXXX. XXXX / XXXX Continued Reporting Post-Dispute I previously disputed this account. Youve added a note but continue to report derogatory data without a clearly documented reinvestigation.

Action requested : Provide proof of verification or delete the account under FCRA 1681i ( a ). 
XXXX. XXXX XXXX XXXX Lack of Validation I have not received debt validation under 15 U.S.C. 1692g.

Action requested : Provide full documentation of this debt or remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections have been reporting since XXXX and may be approaching expiration under the 7-year limit. 
Action requested : Review the date of first delinquency and remove if outdated.

Legal Basis for Request Under FCRA 1681i ( a ), you are obligated to reinvestigate and remove or correct any inaccurate, unverifiable, or incomplete information. If you can not verify the accuracy of the information within 30 days, it must be deleted.

Additionally, continued reporting of inaccurate data after notice and dispute may constitute willful noncompliance under 1681n, for which I reserve my right to seek damages. 



Please complete your reinvestigation within 30 days of receipt of this letter and send a written response to my address listed above. Also, send me a free updated copy of my credit report reflecting the results.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am writing to formally dispute inaccurate and potentially unlawful information contained in my credit report, generated on XX/XX/XXXX under the name XXXX XXXX ( DOB : XXXX ). This information is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and may also violate consumer protections under the Fair Debt Collection Practices Act ( FDCPA ). 



Items in Dispute XXXX. Dept. of ED/XXXX Duplicate XXXXccounts Multiple listings for the same student loan ( s ) appear under three separate entries with differing balances and statuses. This is misleading and inflates the appearance of my debt. 
Action requested : Please verify and remove any duplicate or improperly split entries. 
XXXX. XXXX XXXX Account Re-Aged/Charged Off Incorrectly This account, closed in XXXX, is shown as charged off continuously into XXXX. If accurate closure occurred, this is re-aging in violation of FCRA 1681c.

Action requested : Remove or correct this account based on proper charge-off and closure dates. 
XXXX. XXXX / XXXX Continued Reporting Post-Dispute I previously disputed this account. Youve added a note but continue to report derogatory data without a clearly documented reinvestigation.

Action requested : Provide proof of verification or delete the account under FCRA 1681i ( a ). 
XXXX. XXXX XXXX XXXX Lack of Validation I have not received debt validation under 15 U.S.C. 1692g.

Action requested : Provide full documentation of this debt or remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These collections have been reporting since XXXX and may be approaching expiration under the 7-year limit. 
Action requested : Review the date of first delinquency and remove if outdated.

Legal Basis for Request Under FCRA 1681i ( a ), you are obligated to reinvestigate and remove or correct any inaccurate, unverifiable, or incomplete information. If you can not verify the accuracy of the information within 30 days, it must be deleted.

Additionally, continued reporting of inaccurate data after notice and dispute may constitute willful noncompliance under 1681n, for which I reserve my right to seek damages. 



Please complete your reinvestigation within 30 days of receipt of this letter and send a written response to my address listed above. Also, send me a free updated copy of my credit report reflecting the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-07-22 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 a

m a victim of identity theft. My credit report includes accounts and inquiries I did not authorize. These items are fraudulent and should not be associated with me. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that these items be blocked and removed. Ive attached a list of the disputed entries and my FTC Identity Theft Report. Please confirm once these items have been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had asked to to remove and not report to my credit report yes I know I had it but the tactic used wasnt right.

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 2025-07-22 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: National Credit Systems,Inc.
State: AR

Complaint narrative:
The waters at XXXX sold my information without my permission or knowledge of an eviction process to National Credit Systems. I have no knowledge of this information that was reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Complainant : XXXX XXXX Subject : Final Notice Failure to Resolve Disputes & FCRA Violations by Experian, Equifax, and TransUnion I am filing this formal complaint against Experian, Equifax, and TransUnion for their ongoing and willful non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes submitted, including my most recent one, the credit bureaus have failed to take proper corrective action or provide a legally sufficient response as required by federal law. 

Instead of responding with proper documentation and a transparent process, I received generic " verified '' responses that did not include the method of verification, a clear violation of 15 U.S.C. 1681i ( a ) ( 7 ). Additionally, the continued reporting of inaccurate or unverifiable data without proper reinvestigation violates 15 U.S.C. 1681i ( a ) and 1681e ( b ), which mandate that credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy. 

Disputed and Unresolved Items : Public Record : XXXX XXXX Bankruptcy Case Number : XXXX Incorrect Personal Information : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Charge-Off Accounts Still Reporting Inaccurately : XXXXXXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Bureaus Have Failed to Provide : The specific method and procedure used to verify each account The full name, title, and contact information for the furnishers of each disputed item Any documentation relied upon during the verification process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had my credit report locked last year and then later asked to have it unlocked which I called and they said its unlocked but I am not able to apply anywhere do to it still being locked ( experian )

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 2025-07-22 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: FL

Complaint narrative:
XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/XXXX RE : Debt Validation Request under 15 U.S. Code 1692g ( a ) Accounts XXXX XXXX XXXXXXXX OPEN DATE XX/XX/XXXX account name XXXX XXXX XXXX XXXX  XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX  OPEN DATE XX/XX/XXXX accounts name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Dear CREDIT BUREAUS I am requesting validation of a debt you claim I owe, as provided under the Fair Debt Collection Practices Act, 15 U.S. Code 1692g. I request that you provide the following : 1. Proof that I am legally obligated to pay this debt ( such as the original signed agreement ).

2. Verification of the amount owed and how it was calculated.

3. The name and address of the original creditor ( if different from your company ).

4. Proof that you are licensed to collect debts in my state. 

For these accounts : account name XXXX XXXX  XXXX OPEN DATE XX/XX/XXXX account name XXXX XXXX XXXX XXXX  XXXX XXXX DATE XX/XX/XXXX Account name XXXX XXXX XXXX OPEN DATE XX/XX/XXXX Account name XXXX XXXX OPEN DATE XX/XX/XXXX accounts name XXXX XXXX XXXX  OPEN DATE XX/XX/XXXX Until you provide the requested validation, you must cease collection efforts, including reporting this item to credit bureaus. If youve already reported it, I request that you immediately delete the item from my credit report pending validation.

Please respond within 30 days as required by law. Failure to comply will be documented and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and/or result in legal action. 

Sincerely, 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 2025-07-22 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 accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
This filing a complaint serves as my third and final formal dispute regarding the following items which continue to appear on my credit report without permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
This filing a complaint serves as my third and final formal dispute regarding the following items which continue to appear on my credit report without permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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