vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XXXX I made an online purchase for XXXX. I started the having second thoughts about it, and as I was looking up the product, I got a fraud alert from the credit card company. I automatically called them and ask them to stop the payment. This was less than XXXX to XXXX minutes after I had made the purchase. They replied that they could not stop the payment because it had already been made. I told them that they had just sent me a fraud alert and that I couldn't believe they had paid it in that short of time. We argued back and forth, till I finally asked to speak to a supervisor. When they finally transferred me XXXX to XXXX minutes later to a supervisor, we argued back and forth about the transaction. I finally told them to just cancel that credit card completely. It was the first time I had ever used it, and I didn't want it anymore. They tried to tell me they would issue me a new card with a new number, but I just told them no I wanted no part of it. Now I've gotten a bill not only for the original payment but for an additional {$10.00} late fee. I have told them I will not pay this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NV

Complaint narrative:
Beginning in early XXXX and continuing through XXXX, I began noticing multiple inaccuracies and negative accounts appearing across all three of my credit reports. Despite submitting multiple formal disputes to the credit bureaus starting in early XXXXmany of which were accompanied by requests for verification under the Fair Credit Reporting Act ( FCRA ) the majority of these accounts remained uncorrected or were verified without any supporting documentation being provided. Several accounts, such as those from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, continued to report balances that were either inaccurate, post-settlement, or assigned without proper notice or validation. I did not receive any contracts, billing records, or written proof of the debts, and in many cases, the balances reported varied between bureaus. Additionally, outdated personal information, including previous addresses and incorrect name variations, were never removed despite repeated requests. My most recent disputes were submitted again on XX/XX/XXXX, as part of a final attempt to have these matters corrected or removed in compliance with federal regulations. I am seeking immediate correction or deletion of the accounts and personal details that remain inaccurate and unverified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my Transunion credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i. The account in question is reporting late payments that are inconsistent with my records and not reported by other credit reporting agencies, which indicates an error or incomplete information. The account in question : Creditor Name : XXXX  Account Number : XXXX Reported Inaccuracies : 90-day late reported for XX/XX/XXXX 90-day late reported for XX/XX/XXXX 30-day late reported for XX/XX/XXXX These reported delinquencies are factually incorrect and appear only on my XXXX  report. This discrepancy violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires that consumer reporting agencies conduct a reasonable reinvestigation when notified of inaccurate or incomplete information. Additionally, under FCRA 1681e ( b ), XXXX  is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. Reporting late payments that differ from other major credit bureaus without proper verification is a violation of this obligation. I am requesting that Transunion : 1. Conduct a reasonable reinvestigation of the account in question 2. Verify the accuracy of the reported late payments with the original creditor 3. Delete or correct any information that can not be verified as accurate and consistent.

Please insist that Transunion provide me with the results of your reinvestigation, including the name and contact information of any furnisher that verified the information, as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Attached are copies of my Transunion credit report highlighting the disputed entries and a copy of my identification for verification purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX INQUIRIES : XXXXXXXX XXXX XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX 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 2025-07-28 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/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 2025-07-28 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: CA

Complaint narrative:
b'"I sent a certified letter to Transunion XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via USPS. The letter was received on XXXX. Transunion did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with bank:\'\'\n\n XXXX XXXX ACC XXXX  BALANCE XXXX ACC #XXXX BALANCE XXXX XXXX ACC # XXXX BALANCE XXXX XXXX  ACC #XXXX BALANCE XXXX XXXX ACC # XXXX  BALANCE 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 2025-07-28 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: FL

Complaint narrative:
This complaint details a new, egregious FCRA violation by Equifax, demonstrating active and willful manipulation of my credit file, adding to the issues in my existing comprehensive complaints ( CFPB XXXX XXXX, XXXX, XXXX, XXXX, and the complaints filed today, XX/XX/year>, regarding XXXX XXXX XXXX  re-insertions and XXXX XXXX ). 

On XX/XX/year> ( today ), my Equifax credit report via XXXX XXXX revealed the unauthorized re-opening of my previously closed and charged-off XXXX XXXX XXXX Unsecured Loan account ( # XXXX ) [ cite : XXXX, page XXXX ]. 

Timeline of Egregious Behavior : Prior Status : This account was consistently reported as 'CLOSED ' and 'Charge-off ' on my Equifax reports ( e.g. XXXX XX/XX/year> ) [ citXXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/year> ( Today ) : Equifax is now reporting it as 'Open ' via XXXX XXXX XXXX cite : XXXX, page XXXX ]. 

I did not authorize, sign, or agree to re-open this loan account. I only requested the re-opening of my XXXX XXXX XXXX This action is fundamentally inaccurate and unauthorized, demonstrating a severe and willful disregard for accuracy and my specific instructions, causing immediate, measurable harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/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 2025-07-28 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: TX

Complaint narrative:
I am filing this complaint solely against Equifax for egregious violations of the Fair Credit Reporting Act ( FCRA ) and related federal laws. I submitted multiple disputes of inaccurate tradelines. Equifax responded with investigation results the same day and in some cases the next day, a clear indication that no reasonable reinvestigation was conducted as required by FCRA 611. Instead of correcting or deleting the accounts, Equifax left materially inaccurate and misleading data on my credit file. Equifax has now re-aged the incorrect information using incorrect information to falsely verify and continues to report also continues to report re-aged charge-off accounts and other inconsistent data across tradelines, despite my clear documentation of inaccuracies. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) The same-day completion of the dispute investigation is evidence that no proper investigation occurred, violating both FCRA and Cushman v. TransUnion Corp .

Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) Equifax continues to report conflicting dates, statuses, and monthly charge-off notations, which are materially misleading. They have also utilized innaccurate information to update and re-age my credit report with misleading,

inaccurate and negative information. Failure to Require Furnisher Verification ( FCRA 623 ( b ) ) Equifax accepted unverifiable electronic confirmations from furnishers without obtaining actual documentation. Re-aging of Charge-Offs ( FCRA & CFPB Guidance ) Multiple accounts ( XXXX XXXX, XXXX, XXXX ) show charge-off statuses reported monthly through 2025, artificially extending derogatory impact. Violation of Breach Settlement Obligations ( 15 U.S.C. 1681c-2 ) I am a documented Equifax Data Breach Settlement Class Member, meaning my data was compromised by Equifax. Under settlement obligations, Equifax has a heightened duty to ensure accuracy and remove unverifiable data. Instead, they have ignored this responsibility.

Additionally, I have 14 other pending disputes that fall into the same category of material inaccurate

and unverifiable information being reported. Notice of Intent to Sue Equifax has and is continuing to grossly violate my rights as a consumer. If these issues are not immediately resolved by deletion of all disputed accounts with innaccurate information, I will sue Equifax for ongoing and exacerbated financial harm according to my rights under FCRA/FDCPA. I intend to seek financial damages as an award for their abuse of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: VA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/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