vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: UT

Complaint narrative:
Pursuant to the F.C.R.A., it is the duty of XXXX, Equifax and Experian to be reporting correct and accurate information on my credit report and file, however they are NOT. On my XXXX XXXX, Experian reports that the account is Current, but there was a 30-day late payment back in XXXXXXXX XXXX XXXX Equifax reports is as 'Paid as Agreed ', with one late payment in XXXX XXXX XXXX  reports as 'Paid or Paying As Agreed ', and NO delinquencies reported. These delinquencies are INCORRECT and should be reported ONLY as PAID AS AGREED. 
Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a 'transaction '. With that said, the reporting of the inaccurate late payments results in Experian and Equifax both violating my federally protected consumer rights. 
In addition, I did not give Equifax OR Experian written instruction/permission to furnish these inaccurate late payments on my consumer report and file, which means they have violated 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian and Equifax have violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2025-07-10 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: FL

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by Experian. I submitted a complaint to Experian regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, Experian is legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from Experian. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that Experian address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and W2.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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 2025-07-10 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 filing this complaint because TransUnion is continuing to report an account from XXXX ( Account # : XXXX ) on my credit file, even after I disputed it and provided documentation. On XX/XX/year>, TransUnion responded to my dispute claiming the account was verified, but no actual proof was ever provided. This same account has already been removed from both my XXXX XXXX XXXX consumer reports after their reinvestigations, which makes TransUnions continued reporting not only inconsistent but also unfair and inaccurate. Im providing my XXXX  credit report dated XX/XX/year>, to show that the XXXX account is no longer being reported by XXXXXXXX Even though the document is confidential, it clearly proves that TransUnion is violating the FCRAs requirement for maximum possible accuracy by continuing to report this account while the other major credit bureaus have already removed it. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), TransUnion is required to perform a reasonable reinvestigation when a consumer disputes an item. I specifically requested validation, including the identity of the party who verified the account, details of any communication, and all supporting documentation. To date, TransUnion has not provided any of this information. This raises serious concerns about whether a reinvestigation was even conducted, or if they relied on automated responses without actual verification, which violates FCRAs requirement for reasonable procedures. By continuing to report an account that two other national credit reporting agencies have removed, TransUnion is violating its obligation under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of information. This failure to act responsibly is damaging my credit score, causing financial and emotional distress, and violating my rights under federal law. I also believe this constitutes willful noncompliance under 15 U.S.C. 1681n, which carries civil liability, including actual and punitive damages. I am asking the CFPB to investigate this matter. I want this account permanently deleted from my TransUnion report and for TransUnion to be held accountable for failing to follow federal law.

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 2025-07-10 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
Upon reviewing my credit report, I discovered several inquiries that I do not recognize. I never applied for credit with these companies, nor did I authorize them to access my credit information. This is deeply concerning and feels like a clear violation of my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: HI

Complaint narrative:
I am filing this complaint against XXXX XXXX for inaccurately reporting a charge-off account across all three credit bureausTransUnion, XXXX XXXX XXXX  The account number ends in XXXX and is dated XX/XX/year> with a balance of {$2500.00}. This information has been repeatedly disputed and should not be appearing in its current form. I have made numerous attempts to have the entry corrected, updated, or substantiated with verified documentation, yet all three credit reporting agencies continue to retain this damaging, outdated, and unverifiable account on my report. 

The Fair Credit Reporting Act ( FCRA ) places a legal obligation on both furnishers and credit bureaus to ensure that any information they report is complete, accurate, and verifiable. Under Section 611 ( a ), I have the right to dispute any information I believe is incorrect, and the credit bureaus are required to conduct a reasonable investigation. I have submitted disputes in accordance with this right, yet no proper reinvestigation was conducted, and no legally sufficient documentation was provided to confirm the validity or accuracy of this charge-off. If no documentation can be produced to verify the accuracy of the debt as reported, the account must be updated or removednot blindly re-verified with no transparency or accountability. 

Furthermore, under Section 623 of the FCRA, data furnishers like XXXX XXXX are required to investigate disputed information thoroughly and must cease reporting unverifiable data. Failure to do so creates legal liability, especially when the incorrect data materially damages a consumers credit profile, as is the case here. I also have strong reason to believe this error may have resulted from a broader data integrity issue, possibly stemming from prior data mismanagement or a breachnot fraud, but systemic errorwhich makes it even more urgent that this item be thoroughly reevaluated with proper scrutiny. 

This inaccurate charge-off has caused considerable emotional distress and real-world consequences. I have been denied credit opportunities, offered higher interest rates, and treated as a high-risk borrower due to this unjust reporting. It has affected everything from rental applications to financial planning. The continued reporting of a balance that is no longer validand which has not been adequately substantiatedis not only unfair but violates my rights under the FCRA.

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 2025-07-10 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-07-10 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX  XXXX  XXXX Account Number : XXXX  Date Opened : XX/XX/year> Balance : {$35.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00}

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 2025-07-10 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:
theses hard inquiries dont belong to me, hasnt being authorized by me and has to be removed, also all this well har inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to dispute the inaccurate personal information being reported under my TransUnion credit profile. My legal name is XXXX XXXX. I do not and have never used the name variation XXXX, XXXX, XXXX. This name is not legally associated with me in any form, yet TransUnion has included it in my personal profile without justification or documentation. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), TransUnion is obligated to maintain procedures that ensure the maximum possible accuracy of the information it reports. Including an alternate name that I have never used, never signed with, and never submitted on any financial or legal application is a direct violation of that duty. This error may have stemmed from a data entry mistake or from a broader data aggregation issue, possibly influenced by a data breach. Either way, its presence in my profile is damaging and unacceptable. 

Having incorrect personal identifiers on my credit file increases the risk of data mismatches, misapplied accounts, and identity confusion. It also causes emotional stress, especially when Ive worked diligently to protect and maintain a clean, accurate credit history. No consumer should have to defend their own identity against errors caused by insufficient verification standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
Subject : Continued Reporting of Charged-Off Status Despite Settlement Violation of FCRA and XXXX XXXX Compliance Details of the Issue : I am filing this complaint due to XXXX XXXX XXXX XXXX ongoing inaccurate credit reporting for a secured credit card account ( Account Number : XXXX XXXX XXXX XXXX XXXX ). This account was fully paid on XX/XX/XXXX, following a settlement agreement in which XXXX XXXX  XXXX agreed to remove the derogatory information from my credit reports. 

Despite this, the account is still being reported as : - Paid in Full / Was a Charge-Off under Pay Status - Showing late payments and derogatory history even after the payment date - Having no reported Monthly Payment field ( should be {$0.00} ) - Marked as Closed by Credit Grantor with misleading comments These reporting practices conflict with XXXX XXXX formatting rules and appear to violate the Fair Credit Reporting Act ( FCRA ), especially 611 regarding accurate reinvestigation and data furnishing. 

I have disputed this with the credit bureaus, but the item remains uncorrected. I request the CFPB investigate and ensure XXXX XXXX XXXX updates its reporting to reflect the true and finalized status of this account. 

Requested Outcomes : - Full removal of the charge-off and late payment history post-settlement - Clarification or elimination of misleading remarks under Pay Status and Comments- Confirmation that XXXX XXXX standards are being followed accurately Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Phone : XXXX Date : XX/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 2025-07-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Subject : Continued Reporting of Charged-Off Status Despite Settlement Violation of FCRA and XXXX XXXX Compliance Details of the Issue : I am filing this complaint due to Bank of America 's ongoing inaccurate credit reporting for a secured credit card account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ). This account was fully paid on XX/XX/XXXX, following a settlement agreement in which Bank of America agreed to remove the derogatory information from my credit reports. 

Despite this, the account is still being reported as : - Paid in Full / Was a Charge-Off under Pay Status - Showing late payments and derogatory history even after the payment date - Having no reported Monthly Payment field ( should be {$0.00} ) - Marked as Closed by Credit Grantor with misleading comments These reporting practices conflict with XXXX XXXX formatting rules and appear to violate the Fair Credit Reporting Act ( FCRA ), especially 611 regarding accurate reinvestigation and data furnishing. 

I have disputed this with the credit bureaus, but the item remains uncorrected. I request the CFPB investigate and ensure Bank of America updates its reporting to reflect the true and finalized status of this account. 

Requested Outcomes : - Full removal of the charge-off and late payment history post-settlement - Clarification or elimination of misleading remarks under Pay Status and Comments- Confirmation that XXXX XXXX XXXX are being followed accurately Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX Phone : XXXX Date : XX/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 explanation
Consumer complaint received 2025-07-10 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief