vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: WA

Complaint narrative:
I previously filed CFPB Complaint XXXX XXXXXXXX against XXXX XXXX XXXX XXXX which admitted on XX/XX/year> that it requested deletion of its collection account from TransUnion and Equifax via XXXX ( XXXX ). Despite this admission, the account still appears on my credit reports.

Under FCRA 623 ( b ) and 611 ( a ) ( 1 ) ( A ), both TransUnion and Equifax are required to conduct a reasonable reinvestigation and remove information that a furnisher has withdrawn or can not verify. Cont
inuing to report an account after the furnisher itself requested deletion constitutes inaccurate reporting under FCRA 607 ( b ).

I am providing the CFPB confirmation and the companys own statement as evidence that TransUnion and Equifax should have deleted the tradeline but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XX/XX/XXXX, I reviewed my IdentityIQ XXXX credit report and discovered multiple inaccurate and obsolete items still being reported by TransUnion and Experian, even though they have already been corrected or removed by XXXX. 

A Chapter XXXX bankruptcy filed in XX/XX/XXXX and XXXX in XX/XX/XXXX continues to appear on my TransUnion and Experian reports, even though XXXX  has deleted it as obsolete. The bankruptcy is now over XXXX years old and should no longer appear under the Fair Credit Reporting Act ( FCRA 605 ( a ) ( 1 ) ). 

XXXX XXXX XXXX is still reporting a {$340.00} collection account last active in XX/XX/XXXX. The debt has been disputed, and no supporting documentation or contract has been provided. 

XXXX XXXX XXXX continues to report a {$480.00} charge-off that was included in the XXXX bankruptcy. This is inaccurate, as the account should show a XXXX balance and included in bankruptcy. 

Outdated and incorrect personal information ( former addresses and name variations ) remains on file, which can cause reattachment of previously deleted data. 

I submitted written disputes to TransUnion and Experian but have not received accurate corrections within the required XXXX investigation period. I am requesting that these inaccurate items be removed or corrected immediately and that the CFPB review this matter to ensure full compliance with the Fair Credit Reporting Act ( FCRA 605, 611, and 623 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
I am submitting to formally dispute the inaccurate and obsolete information currently being reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete Information, 623 ( a ) ( 5 ) Obligation to Report Accurate Date of First Delinquency ( DOFD ), and 604 ( a ) ( 3 ) Permissible Purpose. The following accounts and inquiries are causing harm to my credit reputation by reflecting outdated or unverifiable information. Please conduct a full investigation into each item listed and remove or correct any entry found to be inaccurate or unverifiable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
I am submitting to formally dispute the inaccurate and obsolete information currently being reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 605 ( a ) ( 15 U.S.C. 1681c ) Obsolete Information, 623 ( a ) ( 5 ) Obligation to Report Accurate Date of First Delinquency ( DOFD ), and 604 ( a ) ( 3 ) Permissible Purpose. The following accounts and inquiries are causing harm to my credit reputation by reflecting outdated or unverifiable information. Please conduct a full investigation into each item listed and remove or correct any entry found to be inaccurate or unverifiable. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-29 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: TX

Complaint narrative:
Experian is reporting late payments from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they showing late and derogatory after after I disputed do to identify theft and its hold me made from being able to buy my first home for my kids, XXXXXXXX XXXX should even be showing on my report then they selling my dept that Im not even responsible for Ive tried to dispute this over and over 15-us1681 ( c ) 2 16-us1681 ( s ) 2 15-us1692 ( g ) 2 15uscode1666 please help 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 2025-10-29 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:
XXXX  is reporting late payments from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they showing late and derogatory after after I disputed do to identify theft and its hold me made from being able to buy my first home for my kids, XXXX XXXX should even be showing on my report then they selling my dept that Im not even responsible for Ive tried to dispute this over and over 15-us1681 ( c ) 2 16-us1681 ( s ) 2 15-us1692 ( g ) 2 15uscode1666 please help 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 non-monetary relief
Consumer complaint received 2025-10-29 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:
I am submitting this complaint regarding an alleged debt inaccurately reported by XXXX XXXX XXXX XXXX XXXX on my TransUnion credit report. 

The tradeline lists an opened date of XX/XX/year>, a balance of approximately {$4000.00}, and identifies XXXX XXXX XXXX XXXX as the original creditor. These entries are false and misleading. XXXX is a XXXXXXXX  debt buyer, not the original creditor. By listing itself as the originator and assigning a new open date, XXXX has re-aged the account to appear newer than it is. This misrepresentation directly violates FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) ( A ), which require furnishers to report the accurate Date of First Delinquency and the correct original creditor information. 

Additionally, the account reflects a false last payment date of XX/XX/XXXXXXXX XXXXlong after the account was closed and inactive. No such payment was ever made. This update artificially refreshes the accounts activity and creates a misleading appearance of recent delinquency. Such reporting is inaccurate and deceptive under 15 U.S.C. 1681n1681o and FDCPA 807 ( 2 ) ( A ) ( false representation of a debts character or legal status ). 

I previously disputed this tradeline through [ XXXXTransUnionXXXX ] via XXXX XXXX and requested a reinvestigation. The bureau verified the account without providing any documentation or proof of ownership from XXXX. I have not received any validation of the alleged debt, the original creditors information, or the true Date of First Delinquency. 

Requested relief : XXXXRequire XXXX to produce full documentation validating ownership, chain of title, and the original Date of First Delinquency. 
2.Require [ TransUnion ] to provide a method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
XXXX.If such evidence can not be produced, require immediate deletion of the tradeline from all consumer reporting agencies. 
4.Refer XXXX for review regarding potential re-aging and furnishing violations under FCRA and FDCPA Record of prior dispute submission and verification notice through TransUnion. 

I am submitting this complaint in good faith to ensure compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Continued furnishing or verification of inaccurate data after notice of dispute may constitute willful noncompliance under 15 U.S.C. 1681n and create potential liability for actual and statutory damages. I respectfully request this matter be reviewed for potential pattern-or-practice violations and resolved through immediate correction or deletion of the tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in 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 explanation
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
RE : Formal Dispute Demand for Correction Under 15 U.S. Code 1666b Payment Was Never Late I am writing to formally dispute the reporting of a late payment on the account listed below : XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment in question was made on time and must not be reported as late. Under 15 U.S.

Code 1666b ( Timing of Payments ), a creditor may not treat a payment as late if it was received by 5:00 p.m. on the due date at the specified location. You have failed to provide any legitimate documentation proving otherwise. Therefore, this is an unlawful and inaccurate report.

I am demanding that the account be immediately updated to reflect Paid Never Late across all credit reporting agencies. Anything less will be considered a continued violation of federal law. 
Furthermore, please be advised that I have already filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) regarding this matter. 
If this issue is not resolved within 30 days from the date of receipt of this letter, I will proceed with legal action for : Violations of the Fair Credit Reporting Act ( FCRA ) Violations of the Truth in Lending Act ( TILA ) Damages for negligent and willful misreporting Attorneys fees and additional legal remedies You are now on legal notice. I expect written confirmation and full correction within the statutory timeframe. Failure to act will result in escalation without further warning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding inaccurate reporting and unauthorized activity appearing on my credit file, which has resulted in harm to my credit reputation and violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The credit bureaus and furnishers have failed to ensure accuracy, proper reinvestigation, and lawful reporting practices. Please review the following accounts and inquiries carefully : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2400.00} Late Payment * * The information reported by this furnisher is incomplete and unverifiable. I have never received any valid documentation confirming the alleged late payments, nor has the creditor demonstrated permissible purpose or validation of reporting under FCRA 604 and 611 ( a ). The inconsistent reporting dates and recent late notations show inaccuracy under 607 ( b ). The continued reporting of this account without certified verification violates my consumer rights, and it must be removed immediately. 

XXXX XXXX Inquiry XX/XX/XXXX This inquiry was unauthorized and not initiated by me. Under FCRA 604 ( a ) ( 2 ) and 604 ( c ), a consumer report may not be accessed without written permission or a permissible purpose. The bureaus failure to remove this unverified inquiry after prior disputes demonstrates neglect in ensuring accuracy and privacy. 

XXXX XXXX Inquiry XX/XX/XXXX This inquiry also lacks permissible purpose and consent. I never applied for or authorized any credit from this institution on or near that date. Maintaining such inquiries violates FCRA 604 and 607 ( b ), which require bureaus to report only verified and authorized entries. 

These items were reported inaccurately and in violation of multiple provisions of the FCRA and FDCPA. I am requesting that the CFPB conduct a full investigation into these violations and require the credit bureaus and furnishers to remove or correct the false information immediately. These actions have caused significant harm to my financial standing and creditworthiness.

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