vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX Bankruptcy XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX Bankruptcy XXXX-VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCompany Being Reported:\n\nCompany Name: Equifax,Experian,Tramsunion\n\nType of Company:  Credit Reporting Agency \n \nTracking #'s for 1st round letters sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXComplaint Summary:\n\n\n\nI am submitting this complaint due to violations of my consumer rights under the Fair Credit Reporting Act (FCRA) and Metro 2 reporting guidelines by [Insert Company Name  e.g., TransUnion, Experian, Equifax, or specific furnisher].\n\n\n\nSpecifically, the company is reporting inaccurate, outdated, or misleading information on my credit report, including but not limited to:\n\n\t\t[Insert details: incorrect account status, false late payments, account showing open when its closed, balance reporting errors, duplicate reporting, failure to mark account as disputed, etc.]\n\n\n\nI have previously disputed this information directly with the credit reporting agency and/or data furnisher. Despite providing evidence, the disputed items remain unchanged or inadequately investigated. Under FCRA Section 611, the agency is required to conduct a reasonable reinvestigation and correct or delete inaccurate or unverifiable information. Additionally, the reporting format appears to be inconsistent with Metro 2 guidelines, which credit furnishers and reporting agencies are expected to use for standardized accuracy.\n\n\n\nThis failure to follow proper procedures is damaging my credit reputation and causing undue harm.\n\n\nResolution Sought:\n\n\n\nI respectfully request that the CFPB:\n\n\t1.\tInvestigate the credit reporting practices of [Insert Company Name].\n\n\t2.\tRequire the correction or deletion of any inaccurate or improperly reported information.\n\n\t3.\tEnsure the company complies with both the FCRA and Metro 2 standards going forward.\n\n\t4.\tImpose penalties or oversight if systemic violations are found.\n\n\n\nI am attaching supporting documentation, including dispute letters, credit reports, and verification documents. I am available for further information or clarification if neededXXXX 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 2025-08-04 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCompany Being Reported:\n\nCompany Name: Equifax,Experian,Tramsunion\n\nType of Company:  Credit Reporting Agency \n \nTracking #'s for 1st round letters sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXComplaint Summary:\n\n\n\nI am submitting this complaint due to violations of my consumer rights under the Fair Credit Reporting Act (FCRA) and Metro 2 reporting guidelines by [Insert Company Name  e.g., TransUnion, Experian, Equifax, or specific furnisher].\n\n\n\nSpecifically, the company is reporting inaccurate, outdated, or misleading information on my credit report, including but not limited to:\n\n\t\t[Insert details: incorrect account status, false late payments, account showing open when its closed, balance reporting errors, duplicate reporting, failure to mark account as disputed, etc.]\n\n\n\nI have previously disputed this information directly with the credit reporting agency and/or data furnisher. Despite providing evidence, the disputed items remain unchanged or inadequately investigated. Under FCRA Section 611, the agency is required to conduct a reasonable reinvestigation and correct or delete inaccurate or unverifiable information. Additionally, the reporting format appears to be inconsistent with Metro 2 guidelines, which credit furnishers and reporting agencies are expected to use for standardized accuracy.\n\n\n\nThis failure to follow proper procedures is damaging my credit reputation and causing undue harm.\n\n\nResolution Sought:\n\n\n\nI respectfully request that the CFPB:\n\n\t1.\tInvestigate the credit reporting practices of [Insert Company Name].\n\n\t2.\tRequire the correction or deletion of any inaccurate or improperly reported information.\n\n\t3.\tEnsure the company complies with both the FCRA and Metro 2 standards going forward.\n\n\t4.\tImpose penalties or oversight if systemic violations are found.\n\n\n\nI am attaching supporting documentation, including dispute letters, credit reports, and verification documents. I am available for further information or clarification if neededXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
onsumer Name : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Bank, XXXX. ) Credit Bureau : Equifax Subject : Failure to Validate Debt and Potentially Inaccurate Credit Reporting Issue Summary : XXXX XXXX is currently reporting a charged-off auto loan to Equifax. I submitted a written debt validation request directly to XXXX requesting specific information to confirm the accuracy of the tradelinenamely, the Date of First Delinquency ( DOFD ) and the date of the last payment made on the account. 

XXXX responded but failed to provide this critical information, instead stating that the reporting timeframe is up to the credit bureaus. While it is true that the credit bureaus handle purging data, it is the furnishers legal responsibility under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) to report complete and accurate information, including the correct DOFD. Without that information, there is a strong possibility that this debt is being reported past the 7-year limit, in violation of federal law. 

Their failure to validate the debt in response to my written request also means the debt should be removed under FCRA and FDCPA standards. 

As a result of this continued and potentially unlawful reporting, I was recently denied a {$120000.00} HELOC due to the derogatory account being inaccurately maintained on my Equifax report. This denial has caused measurable financial harm. 

What Im Requesting : Immediate removal of the XXXX XXXX tradeline from Equifax due to lack of proper validation and potential expiration of the 7-year reporting limit. 

A full investigation into whether XXXX is accurately reporting the DOFD and payment history to Equifax. 

Enforcement action or penalties if either party is found to be in violation of federal credit reporting or debt collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX * * * * is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-04 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-04 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter 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 explanation
Consumer complaint received 2025-08-04 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. 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 2025-08-04 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: FL

Complaint narrative:
This is a follow-up to CFPB XXXX # XXXX. Although the case was closed, the issue remains unresolved. XXXX XXXX admitted in writing that the account was charged off on XX/XX/year> and sold to XXXX XXXX on XX/XX/year>. Despite this, they are continuing to report the account with interest and late fees, which contradicts XXXX XXXX credit reporting standards and may re-age the debt in violation of the Fair Credit Reporting Act. I also attempted to contact them for hardship options, but they claim no record of this exists. I am requesting further investigation into this matter based on new and unresolved reporting violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
This is a follow-up to CFPB Case # XXXX. Although the case was closed, the issue remains unresolved. XXXX XXXX admitted in writing that the account was charged off on XX/XX/year> and sold to XXXX XXXX on XX/XX/year>. Despite this, they are continuing to report the account with interest and late fees, which contradicts XXXX XXXX credit reporting standards and may re-age the debt in violation of the Fair Credit Reporting Act. I also attempted to contact them for hardship options, but they claim no record of this exists. I am requesting further investigation into this matter based on new and unresolved reporting violations.

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 2025-08-04 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: MI

Complaint narrative:
I am formally disputing the inaccurate reporting of multiple late payments listed by TransUnion. According to their records, several payments are falsely reported as late, despite being made on time. This incorrect information is unfairly damaging my credit score and misrepresenting my payment history.

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 2025-08-04 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-08-04 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-08-04 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: OH

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.

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 a 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 which antedates the report by more than seven 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.

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 2025-08-04 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: SC

Complaint narrative:
Equifax is continuing to report a negative tradeline from XXXX XXXX XXXX XXXX ( account # XXXX ) as a repossession, even after I provided clear written documentation that XXXX XXXX no longer owns or services the account. 

On XX/XX/XXXX, I received an email from XXXX XXXX, Compliance XXXX at XXXX XXXX XXXX, confirming that the account was repurchased by the original dealership in XX/XX/XXXX. This proves that XXXX XXXX no longer has any legal right to furnish data to Equifax or any other credit bureau. 

Despite this, I previously submitted disputes to Equifax including this evidence, and Equifax still claims the information was verified as accurate. This is unacceptable, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Equifax is violating the following : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failure to reinvestigate disputed information with valid supporting evidence 15 U.S. Code 1681s2 ( b ) Failing to delete inaccurate or unverifiable information after being notified by the consumer 15 U.S. Code 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy Section 607 ( b ) Reporting incomplete or misleading information Equifax had more than sufficient documentation to determine that the reporting was invalid, yet continues to include it on my file. This is damaging my credit and preventing me from obtaining a car loan.

Company response to consumer: Closed with non-monetary relief