vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
Subject : Formal Dispute of Inaccurate Payment History Immediate Removal Required Account - XXXX XXXX XXXX Account Number - XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate payment history that continues to be incorrectly updated on my credit report. This incorrect reporting has caused undue harm to my credit profile and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit bureaus conduct a thorough and accurate investigation when a consumer disputes an item.

Despite my previous disputes, the inaccurate payment history remains and is continually updated incorrectly, further proving that no meaningful or lawful investigation has taken place. Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain maximum possible accuracy in credit reports. Your failure to ensure the accuracy of my payment history constitutes noncompliance with this federal law. 

The continued presence of this incorrect payment history is negatively impacting my credit score and financial standing. Since this account has been repeatedly reported inaccurately, I am requesting the complete deletion of this account from my credit report rather than another failed attempt at correction.

Legal Grounds for Immediate Deletion : 1. Failure to Conduct a Proper Investigation Per 15 U.S.C. 1681i ( a ), credit bureaus must properly investigate disputes and can not merely verify information without substantive proof.

2. Failure to Ensure Accuracy Under 15 U.S.C. 1681e ( b ), credit bureaus must ensure that reported information is accurate. Continuous incorrect updates show clear negligence.

3. Right to Deletion for Incorrect Information Under 15 U.S.C. 1681c ( a ) and 1681i ( a ) ( 5 ) ( A ), when information is proven inaccurate and can not be verified, it must be permanently deleted from the consumers credit report.

Action Requested : Immediately remove the disputed payment history and delete the associated account if full accuracy can not be confirmed.

Provide written confirmation that the inaccurate information has been removed.

Cease all further incorrect updates that negatively impact my credit report.

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve the right to pursue legal action for damages under 15 U.S.C. 1681n & 1681o for willful and negligent noncompliance. 

Last payment date and history don't match.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: OH

Complaint narrative:
Axos Bank closed my account for no reason an keep my account balance. When I contacted tham to ask why they would not give me a reason. My only conclusion is that it is a form of discrimination against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These companies are breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this theyve added negative items to my credit report.

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 2025-04-02 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: UT

Complaint narrative:
I recently reviewed my credit reports and discovered a severe factual discrepancy involving my XXXX XXXX XXXX charged-off account. After disputing inaccuracies, this account was correctly removed from my XXXX credit report ; however, it continues to inaccurately report as a " Paid Charge-Off '' on my TransUnion and XXXX reports XXXX 

Under the Fair Credit Reporting Act ( FCRA ), precisely 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy of the information reported. Given that XXXX already determined this account to be inaccurate or unverifiable, TransUnion and XXXX 's continued reporting is in direct violation of my rights under this statute. 

Further, under 15 U.S.C. 1681i ( a ) ( 5 ), credit bureaus must promptly delete or modify any information that can not be verified. XXXX 's removal of this account demonstrates a clear inability to fully verify its accuracy. 

I request immediate deletion of this inaccurate information from my TransUnion and XXXX credit reports to ensure compliance with federal law. If the bureaus fail to delete this information, please provide specific documentation supporting the verification process, including the precise methods and sources used to verify the accuracy of this information. 

Thank you for your prompt attention to this matter.

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 2025-04-02 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: UT

Complaint narrative:
I recently reviewed my credit reports and discovered a severe factual discrepancy involving my XXXX XXXX Bank charged-off account. After disputing inaccuracies, this account was correctly removed from my XXXX credit report ; however, it continues to inaccurately report as a " Paid Charge-Off '' on my XXXX and Equifax reports XXXX 

Under the Fair Credit Reporting Act ( FCRA ), precisely 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy of the information reported. Given that XXXX already determined this account to be inaccurate or unverifiable, XXXX and Equifax 's continued reporting is in direct violation of my rights under this statute. 

Further, under 15 U.S.C. 1681i ( a ) ( 5 ), credit bureaus must promptly delete or modify any information that can not be verified. XXXX 's removal of this account demonstrates a clear inability to fully verify its accuracy. 

I request immediate deletion of this inaccurate information from my XXXX and Equifax credit reports to ensure compliance with federal law. If the bureaus fail to delete this information, please provide specific documentation supporting the verification process, including the precise methods and sources used to verify the accuracy of this information. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your 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 2025-04-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-04-02 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: NY

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2025-04-02 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: VA

Complaint narrative:
I am filing a formal complaint against XXXX, XXXX, and TransUnion for their ongoing violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of bankruptcy on my credit file and misleading information on my credit report. 

Despite multiple disputes filed directly with these credit bureaus, they have failed to correct these errors within the legally required timeframe, causing significant damage to my credit profile. Their blatant non-compliance demands immediate regulatory intervention. Despite multiple requests, the credit bureaus have failed to provide me with any verifiable proof of how they verified this alleged bankruptcy. Their failure to furnish documentation that supports the accuracy of this information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws.

Legal Violations by the Credit Bureaus Charge-Off Accounts Reporting Balances Violation of 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( a ). A charge-off means the original creditor has written off the debt as a loss. Once an account is charged off, it should not continue to report a balance.

Reporting a balance on a charged-off account is both inaccurate and misleading, violating the credit bureaus ' obligation to ensure the maximum possible accura
cy of consumer reports. Reporting of 90-Day and 120-Day Late Payments After Charge-Off Willful Non-Compliance with the FCRA.

Late payments can not be continuously reported after an account is charged off. This practice artificially extends the negative impact on my credit history beyond what is legally permissible.

This deliberate misreporting is an unfair, deceptive, and abusive practice ( UDAAP ), and I demand immediate correction.

Furthermore, my state 's consumer protection laws ( cite specific state laws if applicable ) impose strict obligations on credit reporting agencies regarding the accuracy and verification of reported data. Since the credit bureaus has not provided any direct evidence that a legitimate bankruptcy exists under my name, I demand the immediate removal of this erroneous information from my credit file. 
Attached is proof of the letter From the Bankruptcy court, Letter from XXXX XXXX, and screen shot from all 3 credit bureaus.

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 2025-04-02 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:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Will it all begin a few years ago when I have fraud done against my unemployment I got unemployment w 1099 for XXXX another for {$13000.00} now Bank of America did start conversating me for my money and everything but then I was getting missed judgments and answers and find out my phone being cloned and I should have changed my number and change phone companies but it would have did no help because there was somehow cloning my account and it seem like I was talking to regular people instead of the real operators of Bank of America I received a check for {$1900.00} back in XXXX and I couldn't find out they sent more money but I had no record of anything then I found out I got a letter in the mail saying that I got to check that hasn't been cashed find out they supposedly said it was XXXX something dollars that was two and a half weeks ago where they supposed to mail it still haven't got anything still haven't heard anything can I receive another check from XXXX or something like that I'm going to send it in closed for {$100.00} so I have two accounts California North Carolina I'm sick of thiXXXX XXXX XXXX XXXX XXXX excuse mylanguage and I just want to get done once and all

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 monetary relief
Consumer complaint received 2025-04-02 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of an account on my Equifax credit report, listed as : Creditor Name : XXXX XXXX Account Type : Installment ( Unsecured ) Date Opened : XX/XX/XXXX Charge-off Amount : {$4800.00} Past Due Amount : {$7200.00} High Credit Limit : {$4300.00} This account reflects multiple inaccuracies and potentially unlawful reporting practices : XXXX. The past due amount exceeds the original credit limit by nearly {$3000.00}, suggesting unreasonable or predatory interest/fees. 
XXXX. The account appears to have been re-aged, with a major delinquency reported in XX/XX/XXXX, despite the last payment being in XX/XX/XXXX and first delinquency recorded in XX/XX/XXXX. 
XXXX. These discrepancies raise serious concerns about the accuracy and legality of this reporting under the Fair Credit Reporting Act ( FCRA ). 

I request that Equifax investigate this account thoroughly. If the data can not be verified as 100 % accurate and legally compliant, it must be deleted from my credit report immediately.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: UPGRADE, INC.
State: NY

Complaint narrative:
Upgrade closed my account without a notice or a proper reason. They put my money on suspension and provided no timeline or method to move the funds out. They instructed me to call customer service. The representative refused to provide any information or instructions but asked me to wait 45 days for the investigation, which is unacceptable. At the same time, my pull request submitted from another bank before the account closure at Upgrade was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation