vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
In XX/XX/year>, I contacted XXXX regarding a past-due amount reflected on my account. That same month, I paid the full balance in good faith, demonstrating my intent to resolve the matter and restore my creditworthiness fully. 

Despite fulfilling my obligation and communicating proactively with the company, one or more late payments remain on my credit report. These entries negatively impact my credit profile, even though the underlying debt has been satisfied and the account closed in good standing. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must ensure that the information they report is accurate and complete. While technically the late payment may have occurred, its continued reporting, despite the full resolution of the account and my subsequent responsible behavior, may be misleading or unfairly damaging, especially in the context of my efforts and the lack of ongoing delinquency. 

Furthermore, the FCRA does not prohibit data furnishers from making goodwill adjustments, and many creditors make such corrections when a consumer demonstrates a genuine effort to resolve their obligations. My request to XXXX was based on this principle. 

Given that I fully paid the balance in XXXX and have had no further delinquencies, I respectfully request that XXXX reconsider the continued reporting of these late payments and remove them as a goodwill adjustment in accordance with industry practice and alignment with the principles of fairness and accuracy required under the FCRA. 

I am seeking the CFPB 's assistance in facilitating a resolution that accurately reflects the current state of my account and supports my ongoing efforts to rebuild my credit.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/year>, I contacted XXXX regarding a past-due amount reflected on my account. That same month, I paid the full balance in good faith, demonstrating my intent to resolve the matter and restore my creditworthiness fully. 

Despite fulfilling my obligation and communicating proactively with the company, one or more late payments remain on my credit report. These entries negatively impact my credit profile, even though the underlying debt has been satisfied and the account closed in good standing.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must ensure that the information they report is accurate and complete. While technically the late payment may have occurred, its continued reporting, despite the full resolution of the account and my subsequent responsible behavior, may be misleading or unfairly damaging, especially in the context of my efforts and the lack of ongoing delinquency. 

Furthermore, the FCRA does not prohibit data furnishers from making goodwill adjustments, and many creditors make such corrections when a consumer demonstrates a genuine effort to resolve their obligations. My request to XXXX was based on this principle. 

Given that I fully paid the balance in XXXX and have had no further delinquencies, I respectfully request that XXXX reconsider the continued reporting of these late payments and remove them as a goodwill adjustment in accordance with industry practice and alignment with the principles of fairness and accuracy required under the FCRA. 

I am seeking the CFPB 's assistance in facilitating a resolution that accurately reflects the current state of my account and supports my ongoing efforts to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
In XX/XX/year>, I contacted XXXX regarding a past-due amount reflected on my account. That same month, I paid the full balance in good faith, demonstrating my intent to resolve the matter and restore my creditworthiness fully. 

Despite fulfilling my obligation and communicating proactively with the company, one or more late payments remain on my credit report. These entries negatively impact my credit profile, even though the underlying debt has been satisfied and the account closed in good standing.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies must ensure that the information they report is accurate and complete. While technically the late payment may have occurred, its continued reporting, despite the full resolution of the account and my subsequent responsible behavior, may be misleading or unfairly damaging, especially in the context of my efforts and the lack of ongoing delinquency. 

Furthermore, the FCRA does not prohibit data furnishers from making goodwill adjustments, and many creditors make such corrections when a consumer demonstrates a genuine effort to resolve their obligations. My request to XXXX was based on this principle. 

Given that I fully paid the balance in XXXX and have had no further delinquencies, I respectfully request that XXXX reconsider the continued reporting of these late payments and remove them as a goodwill adjustment in accordance with industry practice and alignment with the principles of fairness and accuracy required under the FCRA. 

I am seeking the CFPB 's assistance in facilitating a resolution that accurately reflects the current state of my account and supports my ongoing efforts to rebuild my credit.

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 2025-04-18 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: CA

Complaint narrative:
XXXX reported my account as 90 days late which in turn caused my credit score to drop over XXXX points ( approx. XXXX ). However, I had submitted a forbearance while I waited for my payment count to catch up to current and I am not in compliance with the XXXX program meeting my XXXX payment requirement. I would like my XXXX XXXX reinstated to where it was prior to 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 non-monetary relief
Consumer complaint received 2025-04-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at First Premier under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX acct XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at Unknown on XX/XX/XXXX with a balance of {$200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-04-18 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: IN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at First Premier under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX acct XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at Unknown on XX/XX/XXXX with a balance of {$200.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: MA

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 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 2025-04-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

List of Unauthorized Inquiries : XXXX - XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute an inaccuracy on my credit report as provided by XXXX The account in question is EDFINANCIAL SERVICES LLC, Account number XXXX that was opened on XX/XX/XXXX with a balance of {$3700.00}, which is reporting a 90-day late payment that I believe is incorrect. 

According to my records and payment history, I have not missed a payment for 90 days on this account. I have also attached any relevant documentation ( statements, payment confirmations, correspondence with EDFINANCIAL, etc. ) to support my claim. 

Under the Fair Credit Reporting Act, I am requesting an investigation into this matter. Please review the accuracy of the information with EDFINANCIAL SERVICES LLC, and update my Experian credit report accordingly. 

Dispute 1- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute 2XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute 3XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dispute 4- Please delete this Fraudulent inquiry XXXX Date opened : XXXXXXXX XXXX XXXX Please confirm receipt of this dispute and inform me of the results once the investigation is completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 disputing a XXXX late payment reported by XXXX XXXX XXXX XXXX account number XXXX for the date XX/XX/year>. I believe this late payment is inaccurate and request that it be investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
I contacted Equifax on Thursday XX/XX/XXXX to check the status of my dispute. I was told by XXXX of the supervisors, that I my FTC reports were not valid and to recreate them on the FTC website and resubmit them and once they receive them, that they would remove the below fraudulent accounts from my credit reports : XXXX - Account # XXXX Open Date : XX/XX/XXXX XXXX Account XXXX XXXX Open Date : XX/XX/XXXX XXXX Account XXXX XXXX Open Date : XX/XX/XXXX XXXX  XXXX Account # XXXX Open Date : XX/XX/XXXX XXXX  XXXX Account # XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation