vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
This complaint concerns TransUnions gross negligence and willful failure to maintain accuracy and compliance as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. My most recent TransUnion report contains severe inaccuracies that continue to damage my creditworthiness and reputation. 

The following accounts are being wrongfully reported and demand immediate investigation and correction : XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : Derogatory / Settled Less Than Full Balance Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Settled less than full balance This account has been settled, closed, and inactive for years, yet TransUnion continues to publish it with a derogatory notation. Under FCRA 1681c ( a ) ( 4 ) and ( 5 ), obsolete negative information older than seven years must be permanently deleted. TransUnions continued publication of this obsolete and misleading data constitutes reckless disregard for accuracy obligations under FCRA 1681e ( b ). 

XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Collection / Charge-Off Date Opened : XX/XX/XXXX Balance : {$2600.00} Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements This debt is not mine and appears to have been reported without proper verification of identity or ownership. TransUnions failure to validate the origin of this debt violates FCRA 1681i ( a ) and 1681b ( a ), as there is no permissible purpose to include a medical-related collection lacking verified consumer authorization. 

TransUnion has been repeatedly notified of these discrepancies but continues to parrot false information without furnishing legitimate evidence of ownership or contractual obligation. This failure to perform a meaningful reinvestigation is a clear breach of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit report shows collection accounts that I believe may include inaccurate details. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is both accurate and verifiable. I am requesting an investigation into these accounts, and if they can not be confirmed as accurate, I ask that they be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
Your Name XXXX XXXX Your Current Address XXXX XXXX XXXX XXXX XXXX, State ZIP Code XXXX, NJ XXXX Email Address XXXX Phone Number XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Related to Data Breach Dear Equifax Dispute Department XXXX XXXX am writing to formally dispute inaccurate information on my Equifax credit report, which I believe may be the result of identity theft stemming from the Equifax data breach. 

The following items are inaccurate and should be investigated and removed ( or corrected ) from my credit file : Creditor Name / Account Number : XXXX XXXX XXXX XXXX Nature of Dispute : This account does not belong to me. Its a result of identity theft that my confidential information was exposed from the Equifax data breach Requested Action : Remove collection immediately I have attached copies of supporting documents to verify my identity and support my claim, including : A copy of my government-issued photo ID A copy of a recent utility bill or bank statement showing my current address [ Any police report, FTC Identity Theft Report, or other documentation related to the fraud, if applicable ] Please conduct a thorough investigation of these disputed items pursuant to the Fair Credit Reporting Act ( FCRA ) and provide me with a written response detailing the results. If the information is found to be inaccurate, please remove or correct it immediately on my credit report and send me an updated copy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
Your Name XXXX XXXX Your Current Address XXXX XXXX XXXX XXXX XXXX, State ZIP Code XXXX, NJ XXXX Email Address XXXX Phone Number XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information Related to Data Breach Dear Equifax Dispute Department XXXX XXXX am writing to formally dispute inaccurate information on my Equifax credit report, which I believe may be the result of identity theft stemming from the Equifax data breach. 

The following items are inaccurate and should be investigated and removed ( or corrected ) from my credit file : Creditor Name / Account Number : XXXX XXXX XXXX XXXX Nature of Dispute : This account does not belong to me. Its a result of identity theft that my confidential information was exposed from the Equifax data breach Requested Action : Remove collection immediately I have attached copies of supporting documents to verify my identity and support my claim, including : A copy of my government-issued photo ID A copy of a recent utility bill or bank statement showing my current address [ Any police report, FTC Identity Theft Report, or other documentation related to the fraud, if applicable ] Please conduct a thorough investigation of these disputed items pursuant to the Fair Credit Reporting Act ( FCRA ) and provide me with a written response detailing the results. If the information is found to be inaccurate, please remove or correct it immediately on my credit report and send me an updated copy. 

Thank you for your prompt 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 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: SC

Complaint narrative:
I am writing to dispute the accuracy and legality of an account that appears on my credit report, which I do not recognize and for which I was never notified or provided any documentation. This dispute is being made under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I have no knowledge of this account, never opened it, and was not informed of its existence or any alleged debt. The appearance of this account on my credit file is therefore inaccurate and unverified. 

I believe this violates multiple provisions of the FCRA, including : 609 ( a ) ( 1 ) ( A ) : Failure to provide the source and nature of the information reported.

611 ( a ) : Failure to ensure accurate and verifiable information.

623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or have reason to believe is inaccurate. 

I am requesting that you : Conduct a full reinvestigation of this item as required by FCRA 611 ( a ) ; Provide the name, address, and contact information of the furnisher ( the company that supplied this data ) ; and Delete the account from my credit file immediately if it can not be fully verified with documented evidence, such as a signed contract or original account application. 

Please provide a written response and documentation verifying this account within 30 days as required by law. 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MO

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate and delete from my credit reportIn accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and eliminate them from my report. I am aware that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please remove the information from my report. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, I am not to be charged for this updated report. Furthermore, I kindly request that you notify any parties who have received my credit report within the last XXXX months of any corrections made. 

Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
On XX/XX/XXXX, I sold my XXXX XXXX XXXX to XXXX, who paid off my XXXX XXXX loan in full. Despite receiving full payment, XXXX displaced the payoff funds, created a false balance of {$780.00}, and reported a late payment to all three credit bureaus. 

Before any alleged delinquency, I provided XXXX with proof of the XXXX payoff. This means XXXX had actual knowledge that the account was satisfied. Instead of correcting their internal mistake, XXXX ignored the documentation, falsely reported me as late, and caused severe credit harm during my VA home loan process. 

After I filed disputes with the credit bureaus, XXXX and Equifax investigated and removed the late payment, confirming that the report from XXXX was inaccurate and invalid. XXXX also initially corrected the account to show Current status. However, on XX/XX/XXXX, XXXX reinserted the same false delinquency on XXXX, showing the account as late again with a false balance. This is a clear FCRA violation under 611 ( a ) ( 5 ) ( B ) for unlawful reinsertion of previously deleted data. 

Allys own records and the attached statement from the primary borrower, XXXX XXXX, confirm that I was only a co-signer on the loan. The XXXX purchase documents and payoff confirmation prove that the loan was paid in full and the account satisfied. Any funds XXXX may have returned to XXXX afterward are a business issue between XXXX and XXXX, not a consumer debt. 

Reporting a delinquency on a fully satisfied loan, especially after XXXX credit bureaus already corrected the error, is willful misreporting and reckless disregard for accuracy under the Fair Credit Reporting Act. The attached evidence, XXXX payoff documents and the signed borrower statement, fully confirm that this debt was satisfied and that XXXX current reporting is false and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation