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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate entries on my credit report. These items are negatively impacting my creditworthiness, and I am requesting a full investigation into their accuracy under the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, I respectfully request that it be corrected or removed. 

Please find below the list of accounts I am disputing. I am requesting that you verify their accuracy across all three credit reporting agencies : Experian, XXXX, and TransUnion. 

Accounts in Question : XXXX XXXX XXXX  | Account Number : [ Insert ] | Date : XX/XX/XXXX XXXX XXXX | Account Number : [ Insert ] | Date : XX/XX/XXXXXXXX XXXX  XXXX | Account Number : [ Insert ] | Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  | Account Number : [ Insert ] | Date : XX/XX/XXXX XXXXXXXX XXXX XXXX | Account Number : [ Insert ] | Date : XX/XX/XXXX XXXX XXXX | Account Number : [ Insert ] | Date : XX/XX/XXXXXXXX XXXX XXXX XXXX | Account Number : [ Insert ] | Date : XX/XX/XXXX XXXX XXXX | Account Number : [ Insert ] | Date : XX/XX/XXXX XXXXXXXX XXXX XXXX | Account Number : [ Insert ] | Date : XX/XX/XXXX XXXXXXXX XXXXXXXX  | Account Number : [ Insert ] | Date : XX/XX/XXXX Please complete your investigation and provide written confirmation of the results. If you determine that any of the listed accounts can not be verified or are inaccurate, I respectfully request that those entries be removed or corrected immediately. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-06-03 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I was never late on this account, please remove late payment history.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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: 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: FL

Complaint narrative:
I am writing to file a formal complaint against Experian for their failure to remove fraudulent accounts from my credit report as required by law. 

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a police report and an FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence. 

The credit bureau acknowledged my dispute but has not complied with the requirements established by the Fair Credit Reporting Act ( FCRA ). 

Despite my initial request to block these fraudulent items, the following accounts still appear on my credit report : XXXX Account XXXX. XXXX Date Opened/Reported : XX/XX/year> Legal Basis : 15 U.S.C. 1681i ( 7 ) Description of Investigation : Under the FCRA, credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumer dispute. To date, I have not received this documentation.

15 U.S.C. 609 ( a ) ( 1 ) ( A ) Verification Requirement : By federal law, you must verify all accounts and reported information through physical inspection of the original signed consumer contract. Without this verification, there is a risk that inaccurate or fraudulent data could remain in my file. I am requesting the immediate removal of this unauthorized information.

15 U.S.C. 1681e ( b ) Accuracy Compliance : You are required to follow reasonable procedures to ensure the maximum possible accuracy of information in my credit file. If the information can not be verified, pursuant to 1681i ( a ) ( 5 ), I request that all unverifiable information be deleted.

Failure to Investigate Properly : 15 U.S.C. 1681i : After submitting my dispute, I did not receive a complete investigation within the 30-day timeframe required by law. The results failed to adequately resolve my concerns.

15 U.S.C. 1681c-2 : Credit bureaus are required to block identity theft-related information within four business days of receiving a valid identity theft report.

Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), all unverifiable or inaccurate information must be removed from my report.

Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ( b ) ) : The bureau has not demonstrated that it followed reasonable procedures to ensure the completeness and accuracy of my file. I request a detailed explanation of the methods used.

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: Viva Finance Inc.
State: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
I was served with papers. I try to get a verification of debt was not provided this. 
XX/XX/scrub> 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 — Account information incorrect
Company: AmeriHome Mortgage Company, LLC
State: MO

Complaint narrative:
Ameri home mortgage was supposed to remove the late payment showing in our credit report for XX/XX/year>. It is still on our credit report. It brought my score down XXXX points. I can not get a business loan or do any business wise because they have destroyed my credit score by putting the false late and keeping it on my account. They lied and said it will be corrected, but it has not. Before then my credit score was almost XXXX and had no lates for years!! We have retained an attorney to move forward with this issue. They have since transferred the loan to a new loan servicer, but the fact of the matter, we want the late off our credit report.s they said that they would take it off. They did not honor their word.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In XX/XX/year>, my student loan account was transferred from XXXX XXXX XXXX to XXXX XXXX. At the time of transfer, the loan was current and on track for early payoff. Following the transfer, XXXX XXXX began reporting inaccurate balances, excessive interest accrual, and eventually marked the account delinquent in XX/XX/year> and XXXX XXXX a formal dispute and debt validation request was still unresolved. 

I sent multiple dispute letters and formal requests for debt validation via certified mail beginning in XX/XX/year>. XXXX failed to respond within the required 30-day period under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and subsequently reported the account as delinquent in violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 3 ) ). 

In XXXX XXXXmore than 90 days after my first letterXXXX sent a partial response, but did not provide a valid breakdown of how the current balances were calculated or explain the unjustified interest increases. The interest rates also appear to have changed following the transition away from XXXX without clear documentation or disclosure, raising concerns of additional FCRA and Truth in Lending Act violations. 

Despite our good faith efforts to clarify the issue and offer to negotiate repayment, XXXX has continued reporting derogatory marks to all three credit bureaus, damaging my credit and the credit of the co-signerwithout properly validating the debt. 

We are seeking the immediate removal of negative credit reporting, full debt validation in compliance with federal law, and a clear, written resolution before resuming payment.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/year>, my student loan account was transferred from XXXX XXXX XXXX to XXXX XXXX. At the time of transfer, the loan was current and on track for early payoff. Following the transfer, XXXX XXXX began reporting inaccurate balances, excessive interest accrual, and eventually marked the account delinquent in XX/XX/year> and XXXX XXXX a formal dispute and debt validation request was still unresolved. 

I sent multiple dispute letters and formal requests for debt validation via certified mail beginning in XX/XX/year>. XXXX failed to respond within the required 30-day period under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and subsequently reported the account as delinquent in violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 3 ) ). 

In XXXX XXXXmore than 90 days after my first letteXXXX sent a partial response, but did not provide a valid breakdown of how the current balances were calculated or explain the unjustified interest increases. The interest rates also appear to have changed following the transition away from XXXX without clear documentation or disclosure, raising concerns of additional FCRA and Truth in Lending Act violations. 

Despite our good faith efforts to clarify the issue and offer to negotiate repayment, XXXX has continued reporting derogatory marks to all three credit bureaus, damaging my credit and the credit of the co-signerwithout properly validating the debt. 

We are seeking the immediate removal of negative credit reporting, full debt validation in compliance with federal law, and a clear, written resolution before resuming payment.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In XX/XX/year>, my student loan account was transferred from XXXX XXXX XXXX to XXXX XXXX. At the time of transfer, the loan was current and on track for early payoff. Following the transfer, XXXX XXXX began reporting inaccurate balances, excessive interest accrual, and eventually marked the account delinquent in XX/XX/year> and XXXX XXXX a formal dispute and debt validation request was still unresolved. 

I sent multiple dispute letters and formal requests for debt validation via certified mail beginning in XX/XX/year>. XXXX failed to respond within the required 30-day period under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and subsequently reported the account as delinquent in violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 3 ) ). 

In XXXX XXXXmore than 90 days after my first letterXXXX sent a partial response, but did not provide a valid breakdown of how the current balances were calculated or explain the unjustified interest increases. The interest rates also appear to have changed following the transition away from XXXX without clear documentation or disclosure, raising concerns of additional FCRA and Truth in Lending Act violations. 

Despite our good faith efforts to clarify the issue and offer to negotiate repayment, XXXX has continued reporting derogatory marks to all three credit bureaus, damaging my credit and the credit of the co-signerwithout properly validating the debt. 

We are seeking the immediate removal of negative credit reporting, full debt validation in compliance with federal law, and a clear, written resolution before resuming payment.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
So my phone number that I've had with XXXX has had some porting issues and I've had to get a temporary number and I have not been able to access some of my online services, and I was told I needed to contact the credit monitoring services to update my number. I contacted TransUnion over the phone to update my phone number and add the new phone number, they verified my identity because I do have a fraud alert to prevent people from using my information. They charged me a dollar, they said they could update my phone number after charging me. We went through all the steps they said absolutely could update my phone number no problem. I just had to pay the dollar. You also said there were some other information on there that I needed to dispute I said I've already put in the dispute but if they could wanted to they could go ahead and do it since I had them on the phone. Next thing I know after going through all these steps identifying the information they wanted to charge me {$79.00} to update my phone number. After already charging me a dollar to go through all these steps or I can pay {$200.00} or {$300.00} to take off all these hard inquiries. Why didn't she tell me this at the beginning after already telling me yes she could update my phone number? That's misleading I wouldn't have even paid the dollar to go through all this all I wanted was my phone number updated.

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: 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: FL

Complaint narrative:
Subject : Reporting of Inaccurate Credit Information by TransUnion Summary of Complaint : I am submitting this formal complaint because TransUnion has reported inaccurate and unverifiable information on my credit report. Despite submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ), TransUnion has not resolved the issue or provided any legally compliant justification or documentation as required by law. 

Accounts in Dispute : XXXX. XXXX XXXX ( Account ending in XXXX ) : Reported late payment in XX/XX/XXXX, which is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Reported late payment in XX/XX/XXXX, which is inaccurate. 

Legal Grounds : TransUnion is in violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) : Failure to conduct a proper investigation upon receiving a formal dispute. 
15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

I also requested the following per Metro-2 compliance standards and have not received a response within the required 30-day timeframe : Method of Verification ( MOV ) for both accounts.

Compliance Condition Code ( CMI ) used to verify these accounts. 
Validation documentation from XXXX XXXX and XXXX XXXX. 
Copies of all communication between TransUnion and the creditors. 

Requested Resolution : I request the CFPB to investigate TransUnions failure to meet its legal obligations and compel them to : Immediately delete the inaccurate negative entries from my credit report.

Provide full documentation or verification methods as legally required. 
Cease any further reporting of this unverifiable information. 

Attachments : A copy of the formal dispute letter sent to TransUnion dated 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: 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: OH

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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation