vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
When I reviewed my TransUnion credit file, I discovered two charge-off accounts being reported in a manner that is both inaccurate and misleading. The first is listed as XXXX account number XXXXXXXX XXXX XXXX  dated XX/XX/XXXX with a balance of {$0.00}. The second is XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX with a reported balance of {$12000.00}. 

The XXXX entry is contradictory on its face. A charge-off is meant to indicate that a creditor has deemed a debt uncollectible, yet TransUnions report simultaneously shows the balance as {$0.00}. This inconsistency creates a false impression that I once defaulted on an account but still leaves lenders and other users of my credit file uncertain as to whether a debt remains owed. By publishing this entry, TransUnion is presenting me as financially irresponsible while failing to provide a clear, accurate, and verifiable record of the account status. 

The XXXX entry is even more troubling because TransUnion continues to display a balance of {$12000.00} alongside the charge-off notation. This inflates my debt profile and makes it appear as though I am currently responsible for an unpaid balance that is years old. No consumer should be punished with the stigma of a charge-off while also being saddled with an open balance that the creditor has supposedly already written off. This dual reporting is not only confusing but also damaging. 

The Fair Credit Reporting Act requires credit reporting agencies to ensure that consumer files are maintained with maximum possible accuracy. Reporting a charge-off with either a XXXX balance or an ongoing inflated balance, without supporting documentation, falls far short of that standard. I have not been provided with any account-level records or statements that validate either of these entries, nor has TransUnion demonstrated that it has properly investigated my dispute as required by law. Instead, I am left carrying derogatory marks that do not reflect reality and that unfairly limit my ability to obtain credit, housing, and other necessities.

The harm to me is substantial. These inaccurate charge-offs weigh heavily on my creditworthiness and create barriers that affect my daily life. Lenders see them and assume I have failed in my financial obligations. Landlords view them as red flags. Even employers that use credit checks may judge me unfairly. These entries create a distorted financial portrait that is not only inaccurate but also deeply damaging to my stability and peace of mind.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
I did not authorize this repayment. I never used XXXX. Please provide documentation of the debt you claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-01 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: ID Analytics, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! i am a victim of identy theft caused by multiple data breaches, I identify the accounts listed on ftc report as fraudulent and not opened or authorized by me under federal law i am requesting the immediate in any event timeframe required by law block remove and stop reporting these items : ( additional fraudulent accounts ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX  XXXX ) : per 15 U.S.C. 1681c-2 605B, 1681c-1, 1681s-s623, 1692et seq. 18 U.S.C. 1028 : These were caused by unauthorized access to my personal information due to the recent XXXX XXXX breach, and the resulting entries are inaccurate, unauthorized, and severely harmful to my credit. - Legal Basis for Removal Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) Requires Consumer Reporting Agencies to block identity theft information within 4 business days after receiving an identity theft report and supporting documentation. FCRA 623 ( 15 U.S.C. 1681s-2 ) - Furnishers must investigate and stop reporting fraudulent accounts once notified of identity theft. FCRA 605 ( a ) ( 15 U.S.C. 1681c ) - Prohibits reporting inaccurate or obsolete accounts. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

- Prohibits collection activities on debts that are fraudulent or disputed. Identity Theft and Assumption Deterrence Act, 18 U.S.C. 1028 Makes unauthorized use of personal identifying information a federal crime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My account was paid in full and it is still being reported as part due to my credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: VT

Complaint narrative:
We received an escrow analysis from PHH mortgage ( XX/XX/year> ) that showed our annual property tax payment as {$8700.00}. Our annual property taxes are {$6800.00} as issued by the XXXXXXXX XXXX XXXXXXXX. This increases our escrow payments significantly. I have tried to elicit an explanation from PHH 's customer service team but no one I have spoken with has the training or knowledge to discuss how or why payments are calculated on our loan. I am told that they file a request for review but after a month of back and forth calls with them nothing has changed.

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 2025-10-01 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:
bXXXX XXXX XXXX XXXX, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on JXXXX XXXX XXXX XXXX XXXX XXXX in CXXXX XXXX per USPS Tracking XXXX XXXX XXXX XXXX XXXX XXXX This correspondence requested prompt investigation and correction or deletion of the following accounts:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XXXX XXXX XXXX, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and I have already filed an FTC Identity Theft Report. Several unauthorized hard inquiries were made on my credit reports without my knowledge or consent. 

The following inquiries are fraudulent and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ) : TransUnion Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXXXXXX 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 2025-10-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-10-01 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my 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 explanation
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX PM. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : 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  ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

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 2025-10-01 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), particularly under the provisions of 15 USC 1681-I ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information.

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : List any specific inaccuracies, such as incorrect account balances, incorrect payment history, outdated information, etc. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ) which requires the accurate reporting of consumer information.

I am requesting that you investigate these discrepancies and provide me with a written explanation of the results of your investigation in accordance with the FCRA guidelines. I also request the removal of the inaccurate information from my credit report as soon as possible.

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action.

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. Thank you for your cooperation. 

Sincerely, 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 2025-10-01 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: VA

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXXXXXX 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
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
When I pulled my Experian credit report, I was very alarmed to see a charge-off being reported for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$6500.00}. This account is being reported in a way that is incomplete, misleading, and harmful to my financial standing. 

First, this is an account that dates back to XXXX, and yet Experian continues to report it as a charge-off with a listed balance of {$6500.00}. Under the Fair Credit Reporting Act, derogatory information such as charge-offs is limited to a XXXX-year reporting period. Continuing to show this as an active charge-off, more than a decade later, is a direct violation of the laws time-bar requirements. The fact that this account still appears in my credit file, actively weighing down my score, is not just inaccurateit is unlawful. 

Second, Experian has an obligation under the Fair Credit Reporting Act to ensure that consumer files are reported with maximum possible accuracy. A charge-off is meant to show a debt that the creditor has determined is uncollectible, but the way Experian displays this entry makes it appear as if I am still carrying an unpaid balance of {$6500.00}, even though the debt is far beyond the legally permitted reporting period and no longer valid for collection. This presentation is not accurate, not verifiable, and deeply misleading. 

The harm to me is very real. Lenders who view my Experian file are immediately led to believe I am burdened by an enormous charge-off from over a decade ago. That false impression damages my creditworthiness, results in higher loan rates, leads to denials for new credit, and even impacts my ability to secure housing. This outdated and inaccurate reporting paints me as financially irresponsible when in reality this is simply Experian failing to uphold its legal responsibilities 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