vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I recently obtained a copy of my credit report and discovered that several hard inquiries were listed that I did not recognize or authorize. These inquiries do not correspond to any credit application Ive made.

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 2025-07-18 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
PUBLIC RECORD : XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAW ISSUE : Public records must be accurate, complete, and verifiable under FCRA 607 and 611. Improper or unverifiable public record listings are a violation of federal consumer protection laws.

STORY : I did not file bankruptcy associated with this reference number. I have not received any court papers or proceedings related to this filing. This record is incorrect and may stem from a mixed file or identity theft. Please verify the source and remove it if it can not be validated with supporting court documentation. 

INQUIRY : XXXX XXXX XXXXXX/XX/XXXX LAW ISSUE : Unauthorized inquiry under FCRA XXXX. 
STORY : I did not apply for any credit card or financing from XXXX XXXX on the date listed. This is a violation of my rights. 

INQUIRY : XXXX XXXX XX/XX/XXXX LAW ISSUE : This credit inquiry is unauthorized and violates federal credit reporting guidelines under FCRA XXXX. 
STORY : I had no activity or credit application with XXXX XXXX on this date. Kindly remove this from my report. 

INQUIRY : XXXX XX/XX/XXXX LAW ISSUE : Hard inquiry reported without consumer approval in violation of FCRA XXXX. 
STORY : I did not authorize XXXX XXXX XXXX  to access my report. This was done without my consent and must be removed. 

In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I mailed a goodwill deletion request to Barclays Bank Delaware on XX/XX/year>, from California. The account in question has been closed and paid in full, with a {$0.00} balance, and the derogatory reporting is tied to a period of financial hardship that has since been resolved. In my letter, I asked Barclays to consider removing the negative history from my credit report as a one-time goodwill gesture. I also requested confirmation of the current reporting status. As of today, I have not received any response from the company.

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 2025-07-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
i filed this same issue with synchrony bank a few months back. They keep lowering credit limits despite making payments on time and trying to justify it by saying they reviewed my current credit with others and as a result they lowered my credit. While again i do realize that they will do this and this is my issue from continually dealing with these guys at all at this point ... my issue is the same. I am not getting enough notice that the limit is being decreased... so out of nowhere i am notified that they are decreasing credit and then immediately the same day or maybe even the next day they print a statement which then gets reported to the credit bureaus.... and of course this negatively effects my credit because it makes it look like i went over my limit when that was not my usual limit ... and i most certainly did not go over the limit it was them lowering it to make it appear this way. This gives no time for me to then act and possibly pay more before its reported as being over the limit or at the limit... this is an unfair practice as i did not go over my limit its because of their tactics that made it appear this way..... i complained about this before and here we are with them doing the same thing again after trying to explain it away previously which didnt really address the issue... please see attached notices that show that today i got this letter notification of decreasing the limit followed by a notice that my new statement is now available... again how is someone supposed to fix something potentially damning when this manuever is done

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 2025-07-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute Demand for Immediate Deletion and 15-Day Verification of Multiple Accounts To Whom It May Concern, This letter serves as a formal dispute and legal demand regarding the following accounts being reported on my TransUnion credit report. I am exercising my rights under FCRA 611 ( 15 U.S. Code 1681i ) and demanding not only immediate deletion of these accounts, but also a full disclosure of how TransUnion verified each of them before reporting. 

Disputed 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 XXXXXXXX {$1500.00} Under Federal Law, You Are Required To : Conduct a reinvestigation within 15 days of receipt of this letter Provide the method of verification and the contact details of each furnisher Provide the original documentation used to verify the accuracy of each item Delete any item that can not be verified with complete and accurate records These Accounts Are Being Reported in Violation of : FCRA 611 Requires deletion of any item that is inaccurate or can not be verified FCRA 604 and 607 Obligates accuracy, permissible purpose, and proper investigation 15 U.S. Code 1692g ( b ) Collection and reporting without validation is prohibited UCC 3-501 & 1-308 I demand original signed contracts and reserve all rights FINAL DEMAND 15 DAYS : You have 15 calendar days from the date of this letter to either : Delete these unverifiable accounts from my credit report in full, OR Provide full, legal validation and verification details as required by federal law Failure to do so will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) Reports submitted to the Federal Trade Commission ( FTC ) and Illinois Attorney Generals Office Civil legal action against TransUnion for willful noncompliance, defamation , and violations of consumer rights This is your final notice. Respond in full within 15 days or face immediate escalation. 

Sincerely, 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-18 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: GA

Complaint narrative:
the following accounts were securitized and monetized without my formal consent, XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this violates the FCRA as these accounts are inacurate, please remove off of my credit report pursuant to 15 usc 1681c-2. the following hard inquiries are inaccurate as well XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I HAD ALREADY DISPUTED THIS MATTER IN 2024 AND IT WAS DELETED BY XXXX  THRU ANOTHER COLLECTION AGENCY THAT THE RETAILER FIRST SENT THE DEBT FILE TO. DIVERSIFIED COLLECTION MOVING FORWARD TO PRESENT YEAR THE RETAILER REMOVED THE FILE FROM THEM { DIVERSIFIED COLLECTION AGENCY } AND SENT THE FILE TO TRANSWORLD COLLECTION AGENCY.

SPOKE TO THE AGENT AT TRANSWORLD COLLECTION AND THEY SAID THAT THIS IS WHAT THE RETAILER WILL CONTIUE TO DO EVEN THOUGH I DISPUTED IT AND IT WAS DELETED OFF OF MY CREDIT REPORT. BY THE FIRST AGENCY { XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as a formal notice to dispute hard inquiries that were added to my credit file without my consent. I did not initiate any credit transactions that would warrant these inquiries, and I believe they were placed in error or without a permissible purpose.

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 2025-07-18 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally dispute certain entries on my credit report. Upon reviewing my recent credit report, I noticed credit card accounts listed under my name that I did not apply for and do not recognize. These accounts were opened without my knowledge or consent and appear to be the result of identity theft or fraud.

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 2025-07-18 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: GA

Complaint narrative:
As of XX/XX/year>, I submitted a CFPB complaint on inaccuracies on my TransUnion Credit Report case # XXXX, and it was closed shortly after, as basically accurate or verified. So, I contacted XXXX, and their findings were unverified, so how is that possible??? TransUnion continues to conduct a " Sham Investigation ''. I have enclosed a copy of a report from XXXX with their findings. I've been trying to explain the inaccuracies on my TransUnion Credit Report, but they continue to send me that it was verified or accurate.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding a derogatory Citi credit card tradeline that continues to report negatively on my XXXX credit report, despite having been removed from both XXXX and XXXX 

I previously filed a dispute with XXXX requesting deletion on the basis that the tradeline had already been removed from the other two major credit bureaus. XXXX responded that the information had been verified, yet Citi has not provided any documentation or explanation justifying why this account remains on only one of the three bureaus.

This creates a materially incomplete and inconsistent credit profile, which negatively impacts my creditworthiness and access to fair lending. Under FCRA 623, data furnishers must report only information that is accurate, complete, and not misleading. Selectively reporting derogatory information to just one bureauwhile omitting it from the other twocreates a distorted picture of my credit and fails to meet the standards of consistency and fairness required by law. 

I am not contesting the original existence of the Citi account. However, it is unclear why Citi has allowed this account to be removed from XXXX and XXXX, but continues to furnish it solely to XXXX. If this is the result of internal suppression, data furnishing error, or prior dispute resolutions, it should be applied uniformly across all bureaus. XXXX verification response appears to rely solely on Citis furnishing system without reconciling the discrepancies in reporting. 

I am therefore requesting that Citi either : Provide complete documentation and legal justification for continuing to report this tradeline exclusively to XXXX, including why it was removed from the other bureaus, or Remove the XXXX tradeline entirely to ensure accurate, fair, and consistent reporting in accordance with the FCRA. 

I am currently in the process of seeking mortgage financing, and the continued reporting of a derogatory Citi tradelineon only one bureauis unjustly affecting my credit profile and ability to qualify for competitive lending terms.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: AZ

Complaint narrative:
I am disputing how Sallie Mae has reported my private student loans to the credit bureaus. Although these loans were disbursed under a single borrowing structure, my credit report now shows 17 separate charge-offs, each listed as an individual default. This exaggerates the appearance of financial mismanagement.

The charge-off balances are also significantly inflated one loan originally around {$2000.00} is listed as over {$5400.00} written off. 

Due to Sallie Maes refusal to offer flexible repayment terms or work with me on affordable monthly payments, I was forced to refinance through a third-party servicer ( XXXX ), which required me to allow the loans to enter default before they could take over the debt. 

Since refinancing in XX/XX/year>, I have made every payment in full and on time. Ive requested documentation from Sallie Mae to explain the charge-off amounts and reporting method but never received sufficient detail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: DC

Complaint narrative:
I am disputing a XXXX XXXX XXXX account on my Experian credit report that was charged off in XX/XX/XXXX, yet Experian continues to report monthly late payments through XX/XX/XXXX. Additionally, the account shows a new status updated date of XX/XX/XXXX, even though my last payment was in XX/XX/XXXX. 

These updates appear to constitute illegal re-aging of the account and violate the Fair Credit Reporting Act ( FCRA ). Experian is also currently facing a CFPB lawsuit ( filed XX/XX/XXXX ) for similar misconduct, including failure to conduct proper dispute investigations and improper reinsertion or reporting of negative data. 

I formally disputed this account with Experian directly, and I am requesting that the CFPB investigate and ensure that the account is corrected or removed entirely from my credit report. 
I have submitted a dispute directly to Experian and am requesting CFPB oversight due to the pattern of improper post-charge-off reporting and potential re-aging. These actions appear consistent with issues cited in the CFPBs XXXX lawsuit against Experian.

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