vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
On XX/XX/year>, I opened an account with XXXX  XXXX. My first payment was due on XX/XX/year>. I checked my credit report today and XXXX  XXXX reported a late payment for XXXX with Equifax and Transunion. A late payment was reported with Experian for XXXX. This dropped my score significantly. I sold my previous home and am currently under contract on a new home. This has caused a major situation and I am no longer able to get approved because of this score drop due to an inaccurate reporting. I had an old XXXX  XXXX and was never late on that one. I am including the payment history that I got from XXXX  XXXX. As you can see, I have not been late and this needs to be corrected ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I recently requested a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: IL

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 15 USC 1681. 

Account Name : 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 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 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 that antedate the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

PLEASE REMOVE ON TODAY FROM MY CREDIT REPORT TODAY COMPLETELY! 

THIS IS MY SECOND TIME REQUESTING TO REMOVE ALL CLOSE ACCOUNT, NEGATIVE REPORTING AND INQUIRIES FROM MY CREDIT FILE TODAY... WHY IS IT STILL ON MY CREDIT FILE?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
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 15 USC 1681. 

Account Name : 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 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 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 that antedate the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

PLEASE REMOVE ON TODAY FROM MY CREDIT REPORT TODAY COMPLETELY! 

THIS IS MY SECOND TIME REQUESTING TO REMOVE ALL CLOSE ACCOUNT, NEGATIVE REPORTING AND INQUIRIES FROM MY CREDIT FILE TODAY... WHY IS IT STILL ON MY CREDIT FILE?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I am asking for your help to investigate these accounts from companies that are inaccurately reporting late payments. After reviewing my credit report, I found that certain accounts show late payments which are incorrect. These accounts should not have any late payment remarks. Please remove these remarks and update the accounts to show positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Im writing to urgently bring your attention to inaccurate and unacceptable information thats currently showing on my credit report. I take my credit and financial reputation seriously, and I expect the same level of accuracy and diligence from the agencies responsible for reporting on it. 

After reviewing my credit report, Ive found information that is flat-out wrong and not reflective of my actual credit history. This is more than just an inconvenienceits a serious issue that affects my ability to qualify for loans, secure fair interest rates, and maintain financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
I have submitted XXXX formal disputes to Experian regarding several inaccurate and unverifiable accounts on my credit report. Despite multiple requests, Experian has failed to conduct a meaningful reinvestigation or provide any documentation validating that the debts are mine. They have also refused to disclose the method of verification as required by FCRA 611 ( a ) ( 7 ). 

I specifically requested verification of a repossession account from XXXX, a XXXX account XXXX and inaccurate late payment history on a closed XXXX XXXX account. I also disputed an unauthorized hard inquiry from XXXX XXXX dated XX/XX/year>. Despite my efforts, Experian continues to report these accounts and inquiry without providing : A signed contract or application proving ownership Itemized statements or billing history Proof of identity matching my SSN, DOB, or address The method of verification and the name of the furnisher This is a pattern of willful noncompliance, and it aligns with allegations in the CFPBs own enforcement action against Experian for conducting sham investigations. My disputes are not being reviewed seriously, and Experian is violating my rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
Both loans were opened in XXXX and charged off around XXXX, during a period of extreme financial hardship caused by the XXXX pandemic. Despite the age of these accounts and the fact that no payments have been made since early XXXX, TransUnion continues to report both accounts as " charge-off '' every month up to XXXX. This practice gives the false appearance of ongoing delinquency and may constitute re-aging, a serious violation of the Fair Credit Reporting Act ( FCRA ).

I submitted a formal dispute with TransUnion regarding these accounts. In response, they updated some fields ( such as payment history and trended data ), but ultimately marked the accounts as verified without supplying proof of investigation or documentation from XXXX. This is not sufficient under FCRA, which requires that disputed information be properly verified or removed. 

The continued monthly reporting of the charge-offs despite the accounts being closed years ago is misleading and damaging to my credit profile. It misrepresents the age and severity of the delinquencies and appears to intentionally suppress my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 writing to inform you that I have been a victim of identity theft. As a result, fraudulent activity has been reported on my credit report, including unauthorized credit inquiries and accounts that I did not open. I request that you take immediate action to investigate and remove any fraudulent information from my credit report. 
I filed a report with the Federal Trade Commission ( FTC ) at XXXX, and I am attaching a copy of my Identity Theft Report. 
I have also filed a police report with XXXX XXXX XXXX XXXX which is attached to this letter. 
Please investigate the fraudulent inquiries and accounts listed on my credit report and take the necessary steps to remove them. I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate the disputed items within XXXX  days and provide me with the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 2025-06-19 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:
Equifax XXXX. XXXX XXXX, XXXX, GA XXXX XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ) ________________________________________ To Whom It May Concern, I am formally disputing all inaccurate information you are currently reporting regarding the XXXX  account ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX ) on my credit report. 
Your records reflect erroneous late payments and inaccurate status updates, including a 60-day delinquency and a past due balance of {$530.00}. These entries are false, incomplete, and violate both federal law and the Fair Credit Reporting Act ( FCRA ). I demand immediate investigation and correction.

LEGAL VIOLATIONS : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) requires furnishers of information to provide accurate and complete data. Reporting inaccurate late payment information across multiple months ( including conflicting 30-day, 60-day, and 120-day designations ) violates this federal mandate. Inaccurate coding of payment history or misreporting the payment status of this account must be rectified or deleted. 
15 U.S.C. 1666b mandates that creditors allow a reasonable grace period ( typically not less than 21 days ) before imposing a late fee or reporting an account as delinquent. If you can not produce verifiable documentation that these payments were truly late and that proper grace periods and notices were followed, you are obligated to remove these late entries immediately. 
DISPUTED REPORTING ERRORS INCLUDE BUT ARE NOT LIMITED TO : Misreporting of XXXX late payments Incorrect Past Due status Conflicting payment history entries ( showing OK in months surrounding alleged delinquencies ) Balance and payment status not aligning with Date of Last Payment ( XX/XX/year> ) DEMAND FOR ACTION : You are now on formal notice. I hereby demand the complete deletion of this account from my credit report if you can not fully verify its accuracy with complete documentation. If you insist on retaining the account, all inaccurate data including late payments, past due balance, and payment status must be corrected to reflect a Paid As Agreed and Current standing. 
Under FCRA Section 611 ( 15 U.S.C. 1681i ), you have 30 days from the date of receipt of this dispute to complete your reinvestigation and provide me with the results. Failure to comply will result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action for damages and injunctive relief under FCRA 1681n and 1681o. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
A late payment has been reported on my credit file for a date on which I have documented proof of an on-time payment. This inaccurate reporting not only misrepresents my financial responsibility but also unfairly impacts my credit score. I request that this error be corrected without delay by deleting the entry in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
This is my third formal dispute regarding an inaccurate Charge-Off account reported by XXXX  and Equifax from XXXX XXXX . XXXX  has already removed this account from my credit report after verifying it lacked proper documentation and legal basis. 

Despite my prior disputes and the supporting documentation I provided, both XXXX  and Equifax continue to report the account as a charge-off. I also submitted a complaint to the FTC. 

Attached, I am including : * The official court dismissal letter * The FTC complaint number confirmation * My government-issued ID and utility bill for identity verification I am requesting the immediate deletion of this account from both XXXX and Equifax. Failure to do so is a violation of the Fair Credit Reporting Act ( 611, 607 ( b ), 623 ( b ) ) and contradicts the standard of equal and accurate reporting across bureaus.

Thank you for your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such a failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. these failures align with my experience, where Experian 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 dispute accounts, as experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation