vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint due to inaccurate and inconsistent information being reported on my credit report by TransUnion, specifically regarding XXXX accounts : XXXX, XXXX XXXX ( XXXX separate accounts ), and XXXX XXXX XXXX ( XXXX ). Despite multiple dispute attempts, TransUnion has verified the items as accurate without addressing the factual reporting errors or providing a method of verification. 





XXXX. XXXX Account ( XXXX XXXX ) Account opened : XX/XX/XXXX No payment history is reported until XX/XX/XXXX, which violates the standard requirement that history must be reported from the account open date or be omitted entirely if unavailable. 
TransUnion lists the account as closed on XX/XX/XXXX, yet shows OK payment status through XX/XX/XXXX, and reports 30 days late in XX/XX/XXXX. It is logically and factually impossible for an account to be OK while also being closed, and subsequently go delinquent after closure. 
TransUnion shows 120 days late in both XXXX and XX/XX/XXXX, which is a blatant factual inconsistencyyou can not be 120 days past due in XXXX different months. 
The account also inaccurately reports a negative available credit, which is not only misleading but harmful and violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting. 






XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account shows opened in XX/XX/XXXX, yet no payment history is reported until XXXX. This sudden jump in data violates the completeness requirement under the FCRA 623 ( a ) ( 1 ) ( A ). 
The report says the last payment was made in XX/XX/XXXX, yet payment history shows XXXX until XX/XX/XXXX, creating a timeline discrepancy. 
No credit limit was reported, which impairs scoring models and violates FCRA standards of complete and accurate data. 
The account was verified as accurate despite this contradictory data. 






XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same issues as above : inaccurate timeline, no credit limit, and inconsistent payment reporting. 
No history until XXXX despite the account being active far earlier. 
These inconsistencies make the account unverifiable in its current form. 






XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt is allegedly from XXXX, placed for collection. 
Despite repeated written requests for validation of this debt, XXXX has not provided any original signed agreement, full account history, or ownership chain to verify the alleged debt. 
TransUnion continues to report it as accurate, violating the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and FCRA 611, which requires an item to be removed or corrected if it can not be verified.

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 2025-06-03 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: MD

Complaint narrative:
I am filing this complaint due to inaccurate and inconsistent information being reported on my credit report by TransUnion, specifically regarding XXXX accounts : XXXX, XXXX XXXX ( XXXX separate accounts ), and XXXX XXXX XXXX ( XXXX ). Despite multiple dispute attempts, TransUnion has verified the items as accurate without addressing the factual reporting errors or providing a method of verification. 





XXXX. XXXX Account ( XXXX XXXX ) Account opened : XX/XX/XXXX No payment history is reported until XX/XX/XXXX, which violates the standard requirement that history must be reported from the account open date or be omitted entirely if unavailable. 
TransUnion lists the account as closed on XX/XX/XXXX, yet shows OK payment status through XX/XX/XXXX, and reports 30 days late in XX/XX/XXXX. It is logically and factually impossible for an account to be OK while also being closed, and subsequently go delinquent after closure. 
TransUnion shows 120 days late in both XXXX and XX/XX/XXXX, which is a blatant factual inconsistencyyou can not be 120 days past due in XXXX different months. 
The account also inaccurately reports a negative available credit, which is not only misleading but harmful and violates FCRA 607 ( b ), which requires maximum possible accuracy in reporting. 






XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account shows opened in XX/XX/XXXX, yet no payment history is reported until XXXX. This sudden jump in data violates the completeness requirement under the FCRA 623 ( a ) ( 1 ) ( A ). 
The report says the last payment was made in XX/XX/XXXX, yet payment history shows XXXX until XX/XX/XXXX, creating a timeline discrepancy. 
No credit limit was reported, which impairs scoring models and violates FCRA standards of complete and accurate data. 
The account was verified as accurate despite this contradictory data. 






XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same issues as above : inaccurate timeline, no credit limit, and inconsistent payment reporting. 
No history until XXXX despite the account being active far earlier. 
These inconsistencies make the account unverifiable in its current form. 






XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debt is allegedly from XXXX, placed for collection. 
Despite repeated written requests for validation of this debt, XXXX has not provided any original signed agreement, full account history, or ownership chain to verify the alleged debt. 
TransUnion continues to report it as accurate, violating the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and FCRA 611, which requires an item to be removed or corrected if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX I received a credit drop of XXXX points today because of a debt owed of XXXX dollars. I havent received any calls or verification letters notifying me of a debt owed. The so called collection agency is Radius Global Solutions

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-03 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: HI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXXharge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXXharge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I had a car that was being financed, I paid all final cost in XXXX of 2022. Car was stopped working, was towed and later charged off. This was my understanding. 
Credit card also charged off. 
Some late payments on other accounts. 
There is payday loans that may be reflecting negatively against me. 

But all of the above and any other debt found to be against my name and social has been breached.

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 2025-06-03 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This account is not mine, and I did not open it. I am requesting that it be removed from my credit report immediately under the Fair Credit Reporting Act ( FCRA ). I have also reported this incident to [ mention if you filed a police report or an FTC complaint ] and have included a copy of that report with this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: DC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
For the past 3 months I have attempted to reach out to the collection agencies who state there is a debt owed. I have reached via mail through the credit bureaus and directly through the companies. 

XXXX agreed via CFPB to remove the debt and all old reporting from my credit profile. 

The other collection agency has failed to respond within 30 days and I have sent additional letters with no response. I am asking that these items be removed as agreed These 2 agencies are also holding/claiming the same debt which violated the consumer protections regulations.

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 2025-06-03 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: SC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
To Whom It May Concern at the CFPB, I am writing to formally request the removal of a closed student loan account from my credit report, as it is negatively affecting my credit profile despite being fully paid. 
Account Information : Creditor : XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Closed : XX/XX/XXXX Original Balance : {$2500.00} Reported Balance : {$0.00} ( Loan fully paid ) Reporting Issue : 50 % of payments are reported late, significantly harming my score. 
This account has been closed for over 6 years and is fully satisfied with a {$0.00} balance. Yet, it continues to report negative payment history, which unfairly penalizes me and restricts my access to basic financial services, housing, and credit opportunities. 
Under the Fair Credit Reporting Act ( FCRA ), negative information is only allowed to remain on credit reports for a reasonable periodtypically no longer than XXXX  years. I am requesting a goodwill deletion or total removal of this account due to : Age of the account and the resolution in good standing Disproportionate and ongoing harm to my creditworthiness Efforts Ive made to resolve and maintain current financial responsibility I respectfully ask that the CFPB review this matter and assist in having this derogatory tradeline permanently removed from all consumer credit reports ( Equifax, TransUnion, Experian ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-06-03 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:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed and off my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-03 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:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed and off my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citi Bank decided to close my account at the end of XXXX. I had already expressed hardship in a previous complaint through the CFPB. The IRS mailed a 1099c to Citi Bank in XXXX, but the debt was never discharged as it should have been. I have gone through several months now of incorrect credit reporting resulting in a rapid drop in my credit scores. Citi Bank continues to report an increase in balance even though the credit bureaus XXXX  and XXXX  were provided the 1099c also but refuse to acknowledge the corrected account.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Management Incorporated
State: TN

Complaint narrative:
I have continuously been harassed by this company and I asked them not to call me anymore and they still insist on calling. I have tried to explain to them that I have been the victim of identity theft and they're still trying to get me to pay this debt.

Company response to consumer: Untimely response