vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer - RETIRED Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 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: SC

Complaint narrative:
I am filing this formal complaint regarding inaccurate information that has been reported on my credit file. The following accounts are being inaccurately reported with a late payment status, which is completely false and damaging to my credit reputation : XXXX XXXX XXXX  Account No : XXXXXXXX XXXX XXXX Balance Owed : {$240000.00} Date Opened : XX/XX/year> XXXX XXXX Reported as Late Payment, which is incorrect. I have never made any late payments on this account, and the reported history is inaccurate. 

XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$29000.00} Date Opened : XX/XX/year> XXXX XXXX Reported as Late Payment, which is also inaccurate. My payment record has been timely, and there is no valid reason for any late payment entry. 

These false reports are in direct violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report only accurate and verifiable information. I have never been delinquent on these accounts, and I demand that this matter be thoroughly investigated and corrected immediately. 

I am requesting that CFPB ensure both XXXX XXXX XXXX  and XXXX XXXXconduct a full re-investigation and provide documentation proving the validity of the alleged late payments. If they can not substantiate their claims with verified records, these inaccurate late payment notations must be removed immediately from all credit bureaus. 

These errors have severely impacted my creditworthiness and have caused emotional and financial distress. I expect a prompt response and resolution under the rights provided by the FCRA.

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 2025-10-31 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: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of 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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I demand that you provide me with accurate and complete information regarding my delinquency or derogatory behavior! It is your responsibility to ensure that all information reported on my credit report is truthful and complies with established laws and standards. I won't settle for anything less! You better have a process for reporting that adheres to the XXXX XXXX data field formatted reporting standard, or else there will be consequences! Your report is full of inaccuracies, and I won't stand for it! 
I dare you to provide me with a document that shows all the evidence for each claim, and it better be verified as correct, complete, and true. Don't you realize that any deviation from the 2020 CRRG standards jeopardizes the integrity of the data? Obviously not, because the report you sent me is a complete joke! I'm starting to think you purposely reported false information about me. I demand that you rectify this situation immediately, or else you'll face legal action! 

XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I AM DISPUTING INACCURATE AND/OR UNVERIFIABLE INFORMATION ON MY CREDIT REPORT THAT IS HARMING MY CREDITWORTHINESS. DESPITE MY EFFORTS TO NOTIFY THE REPORTING BUREAUS AND THE ORIGINAL CREDITORS OF THESE ERRORS, THE INFORMATION HAS NOT BEEN CORRECTED OR REMOVED. 

UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), I HAVE THE RIGHT TO HAVE INACCURATE, INCOMPLETE, OR UNVERIFIABLE INFORMATION INVESTIGATED AND CORRECTED BY THE CREDIT BUREAUS. THE FAILURE OF THE BUREAUS TO INVESTIGATE OR CORRECT THESE INACCURACIES CONSTITUTES A VIOLATION OF MY RIGHTS AS A CONSUMER AND IS CAUSING ONGOING HARM TO MY CREDIT SCORE AND FINANCIAL OPPORTUNITIES.

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 2025-10-31 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:
I have no relation to these accounts ; remove them within 15 days as mandated by USC 1681g.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Went to bank to apply for vehicle loan and was asked about this loan. Advised that I felt it shouldn't be up there due to false information regarding employment following graduation. There were no XXXX XXXX company jobs reaching out as they promised. When I applied to jobs, in the interviews, they would speak down on my degree as an online school and almost seemed like it was a negative to even have on my resume. So I have not paid back any because it has not benefitted me in any way. I would be open to settling for a reduced amount but I feel I was used by this government program to just take money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BANKRUPTCY XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to TrueAccord Corp. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance.

By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect TrueAccord Corp to provide complete validation.

To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to TrueAccord Corp .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I respectfully request your assistance in reviewing the items listed below. I am a consumer simply trying to fix my credit and ensure that the information reported about me is complete and accurate under the Fair Credit Reporting Act ( FCRA ). I am not disputing for convenience but rather seeking fair and factual reporting as allowed under FCRA 607 ( b ) and 611. 

Charged Off Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-31 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-31 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:
I am submitting this formal complaint concerning several negative items that continue to appear on my credit report even after multiple dispute attempts. These entries have not been properly corrected or removed, which raises questions about the accuracy and integrity of the information being reported. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), credit reporting agencies are legally obligated to conduct a thorough reinvestigation whenever a consumer disputes information. If the data can not be fully verified, it must be corrected or deleted from the report. Furthermore, 15 U.S.C. 1681e ( b ) requires that all information furnished to the credit bureaus be maintained with the highest level of accuracy possible.

Despite these legal protections, the remaining negative items on my credit report suggest a failure to comply with federal requirements. The continued reporting of unverified or inaccurate information is misleading and causes unnecessary harm to my credit standing. I am requesting an immediate and complete reinvestigation of all remaining disputed accounts to ensure their accuracy and legitimacy. 

If the credit bureaus or furnishers are unable to provide certified evidence from the original creditors verifying the accuracy of these items, they must be deleted immediately. Retaining unverifiable or incorrect data is a direct violation of my rights under the FCRA.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint concerning several negative items that continue to appear on my credit report even after multiple dispute attempts. These entries have not been properly corrected or removed, which raises questions about the accuracy and integrity of the information being reported. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), credit reporting agencies are legally obligated to conduct a thorough reinvestigation whenever a consumer disputes information. If the data can not be fully verified, it must be corrected or deleted from the report. Furthermore, 15 U.S.C. 1681e ( b ) requires that all information furnished to the credit bureaus be maintained with the highest level of accuracy possible.

Despite these legal protections, the remaining negative items on my credit report suggest a failure to comply with federal requirements. The continued reporting of unverified or inaccurate information is misleading and causes unnecessary harm to my credit standing. I am requesting an immediate and complete reinvestigation of all remaining disputed accounts to ensure their accuracy and legitimacy. 

If the credit bureaus or furnishers are unable to provide certified evidence from the original creditors verifying the accuracy of these items, they must be deleted immediately. Retaining unverifiable or incorrect data is a direct violation of my rights under the FCRA.

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 2025-10-31 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: GA

Complaint narrative:
Credit Reporting and Debt Collection Violations I am submitting this complaint because my credit reports contain multiple inaccurate, inconsistent, and obsolete accounts that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These errors involve open, closed, charged-off, and collection accounts that are reported differently across the three major credit bureaus Experian, Equifax, and TransUnion causing substantial harm to my creditworthiness. 

For exampleXXXX XXXX XXXX  ( Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported as 30 days late in XX/XX/XXXX with Experian, 30 days late in XX/XX/XXXX with Equifax, and not reported at all with TransUnion. Likewise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has no late payments but different dates of last activity on each bureau. Several closed accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, also contain conflicting delinquencies, dates, and statuses that violate FCRA 607 ( b ) ( requirement for accuracy ) and 623 ( a ) ( 2 ) ( duty to correct and update ). Some delinquencies particularly those dated between XXXX and XXXX were reported during the XXXX XXXX protection period, when creditors were required to report accounts in forbearance or accommodation as current. 

In addition, charge-off accounts such as XXXX XXXX XXXX XXXX XXXX XXXX display inaccurate or inconsistent Dates of First Delinquency ( DOFD ), which violates FCRA 605 ( a ) and 605 ( c ) regarding obsolete information and 623 ( a ) ( 5 ), which requires creditors to accurately report the DOFD to ensure proper removal within seven years. Some of these accounts show different charge-off progressions and payment histories across the three bureaus, indicating that the information can not be verified. 

Collection accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also appear inaccurate and unverifiable. Many lack complete payment histories, legal proof of ownership, or consistent dates of activity. Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt, including the original signed contract and proof of transfer. Reporting unverifiable debts without validation violates FDCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or misleading representations.

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 2025-10-31 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am officially requesting the deletion of this erroneous account from my credit report, as I never authorized its establishment or use. Supporting documents are enclosed to substantiate my claim.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief