vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By the provisions of 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute incomplete or inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. Please provide me with proof of these items, the method of verification, description of procedures and specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( s ) : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 
Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, XXXX XXXX XXXX ( XXXX  ), and the Federal Trade Commission ( FTC ) against your institution for investigation. 
If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation. 

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-09 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: PA

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 explanation
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-09 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: GA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel. by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$60.00}, DEPTEDXXXX balance {$7600.00}, deptedXXXX balance {$4700.00}, DEPTEDXXXX BALANCE {$4200.00}, DEPTEDXXXX BALANCE {$6500.00}, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel. by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX balance {$60.00}, DEPTEDXXXX balance {$7600.00}, deptedXXXX balance {$4700.00}, DEPTEDXXXX BALANCE {$4200.00}, DEPTEDXXXX BALANCE {$6500.00}, 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 2025-07-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX there was a data breach that occurred with a company called Nationalpublicdata.com my social security number date of birth and address were exposed. My credit monitoring service alerted me of this fact. I then received about 13 different hard inquiries between the three major credit bureaus. I notified Experian and they removed them immediately. Equifax and Transunion have not removed them yet. 
TransUnion Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me get these removed thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX there was a data breach that occurred with a company called XXXX  my social security number date of birth and address were exposed. My credit monitoring service alerted me of this fact. I then received about 13 different hard inquiries between the three major credit bureaus. I notified XXXX  and they removed them immediately. XXXX and XXXX  have not removed them yet. 

XXXX Inquiry : syncb/lowesDate of Inquiry : XXXX Contact : Not Available Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help me get these removed thank you!

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 2025-07-09 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I have identified an unauthorized hard inquiry on my credit report that I believe was made without my consent. I never applied for credit with the organization that performed the inquiry and therefore request its immediate removal.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account was previously disputed and marked as consumer disputes reinvestigation in progress. However, the remark was removed between XX/XX/2025 and XX/XX/2025, without resolving the issue or providing documentation to support the validity of the reporting. 

the charge-off status and balance reporting appear inconsistent and unverifiable, I request validation and proper investigation, but the company failed to provide documentation or evidence confirming the accuracy of the information. 

This is a violation of the FAIR CREDIT REPORTING ACT ( FCRA ), which requires furnishers to investigate disputes thoroughly and correct or delete any unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
This letter is a formal dispute and complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., concerning multiple accounts on my TRANSUNION credit file that were previously deleted, yet have been unlawfully reinserted without proper notice as required under FCRA 611 ( a ) ( 5 ) ( B ). These include : ( XXXX ) XXXX XXXX XXXX ( Acct # XXXX ), a mortgage account originally opened on XX/XX/XXXX with a balance of {$250000.00}, reporting multiple 30-day late payments from XX/XX/XXXX to XX/XX/XXXX, which was deleted on XX/XX/XXXX but reinserted on XX/XX/XXXX without notification ; ( 2 ) XXXX XXXX XXXX  ( Acct # XXXX ), a {$3700.00} collection from XXXX, deleted in XX/XX/XXXX but reinserted in XX/XX/XXXX without written disclosure of reinsertion ; ( 3 ) XXXX XXXX ( Acct # XXXX ), opened XX/XX/XXXX and reporting late payments in XXXX, deleted XX/XX/XXXX and unlawfully reinserted in XX/XX/XXXX ; and ( 4 ) XXXX  ( Acct # XXXX ), originally deleted XX/XX/XXXX, reinserted XX/XX/XXXX, and inaccurately reporting a 30-day late payment in XX/XX/XXXX despite account closure. 

Additional reinserted accounts include XXXX ( Acct # XXXX ), opened XX/XX/XXXX, previously deleted, and reinserted XX/XX/XXXX while inaccurately reflecting a 30-day late payment from XX/XX/XXXX. The XXXX XXXX XXXXXXXX ( Acct # XXXX ), opened XX/XX/XXXX with a {$1100.00} balance and marked as a charge-off, continues to be reported without proper verification or supporting documentation. These accounts were either previously disputed and deleted or never verified, and their reappearance violates both the reinsertion notice requirement and the standard of maximum possible accuracy under FCRA 607 ( b ). 

Moreover, my TRANSUNION credit file contains a number of unauthorized hard inquiries that remain despite lacking any permissible purpose as outlined under FCRA 604 ( a ). I did not authorize nor initiate any credit activity related to the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not associated with any application, account, or initiated transaction from me and are therefore considered unauthorized and unlawful. TRANSUNIONs failure to verify and restrict access to my consumer report to only those with a legitimate purpose is a breach of its duties under federal law and infringes on my privacy 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
Consumer complaint received 2025-07-09 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:
I am filing this complaint because Experian is reporting a charged-off XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) with a balance of {$3200.00} and a charged-off status since XX/XX/year>, which I have previously disputed. 

Despite my dispute, Experian continues to report this account as charged off without providing any proof of debt ownership, account-level documentation, or contractual obligationin violation of the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any information. Additionally, per 15 U.S.C. 1681s-2 ( b ), the data furnisher ( XXXX XXXX XXXX XXXX also investigate and verify the information before it can continue reporting. 

The continued reporting of this account, despite my dispute and lack of verification, violates both sections of the FCRA and constitutes willful noncompliance. The furnisher has not provided any original account agreement, statements, or documented proof that I owe this balance.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Open a federal XXXX account now they need a report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). 

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights. 

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX XXXXXXXX

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
Report on Chexsystems Check system is reporting on my report that XXXX XXXX XXXX had reported suspected fraud on my account. The account was later, settled in dispute with me and XXXX XXXX XXXXXXXX. Unfortunately, check system still has suspected fraud on my account, therefore hindering me from being able to apply for any other accounts. My score is in the negative because of that report yet they failed to look into why the score is so low when the score is usually XXXX to XXXX mine is negative which dont make no sense when I only have that one report that was not correct

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