vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
XXXX XXXX reported a 30-day late payment for XX/XX/year>, even though I made my payment on XX/XX/year> within 21 days of the statement closing date. According to 15 U.S. Code 1666b under the Truth in Lending Act, a credit card payment made within 21 days of the statement date can not be treated as late or result in a late fee or negative credit reporting. 

This account should not have been marked late. I previously requested a goodwill adjustment, but it was denied. I am now formally requesting deletion of the XX/XX/year> late mark due to this violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 XXXX reported a XXXX late payment for XX/XX/year>, even though I made my payment on XX/XX/year> within 21 days of the statement closing date. According to 15 U.S. Code 1666b under the Truth in Lending Act, a credit card payment made within 21 days of the statement date can not be treated as late or result in a late fee or negative credit reporting. 

This account should not have been marked late. I previously requested a goodwill adjustment, but it was denied. I am now formally requesting deletion of the XX/XX/year> late mark due to this violation of 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 2025-06-05 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Report XXXX I am a victim of identity theft and the following information on my credit report is inaccurate. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> Several different spelling of my name Several different addresses which are not mines. 
Incorrect phone numbers

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
Report XXXX I am a victim of identity theft and the following information on my credit report is inaccurate. 
XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> Several different spelling of my name Several different addresses which are not mines. 
Incorrect phone numbers

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 2025-06-05 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: PA

Complaint narrative:
Someone opened fraud credit card account under my name XXXX account number on credit report XXXXXXXX XXXX XXXX XXXX XXXX also hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> also address XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX This is all FRAUD!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
Someone opened fraud credit card account under my name XXXX account number on credit report XXXXXXXX XXXX XXXX XXXX XXXX also hard Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> also address XXXX XXXX XXXX XXXX XXXX, NJ XXXX This is all FRAUD!!!

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 2025-06-05 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: TN

Complaint narrative:
I am filing this complaint regarding the inaccurate and unlawful reporting of a charge-off/collection account on my credit report. I have contacted the furnisher and/or debt collector to no avail, and am now requesting the assistance of the CFPB to ensure that my rights under federal law are upheld. 

Details of the Issue : XXXX Name : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This account is currently being reported as a charge-off/collection on my credit report by [ Equifax/Experian/TransUnion ]. I dispute the accuracy and completeness of the information and raise the following legal concerns : Violations Noted : 1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) The FCRA requires that furnishers of information maintain maximum possible accuracy. I have reason to believe the information being reported is inaccurate and/or unverifiable, including but not limited to : Inconsistent data across bureaus ( e.g., different balances, dates of delinquency, or account statuses ) Violation of 15 U.S.C. 1681i Failure to Investigate Disputed Information I submitted a formal dispute to the credit bureaus and/or the furnisher. Under this statute, they are obligated to conduct a reasonable investigation and remove or correct any unverifiable or inaccurate information within 30 days. That did not occur in this case.

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 2025-06-05 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: IL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, This formal communication is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute and request the deletion or correction of inaccurate, misleading, or unverifiable information appearing on my consumer credit reports. 


The following accounts are at issue : XXXX : This account is listed as closed with XXXX missed payments. I dispute the accuracy and completeness of this reporting. I request immediate reinvestigation, and if the creditor can not verify the full history with original documentation, this entry must be permanently removed. 


XXXX XXXX XXXX : This account reflects XXXX missed payments and is marked closed. This reporting is contested as either incomplete or inaccurate. Please conduct a reinvestigation under FCRA guidelines and provide documentation supporting each derogatory mark. 


XXXX XXXX XXXX XXXX  This account is listed as closed with XXXX missed payment. I dispute this late payment and demand verification. If such can not be produced from original furnishers, this data must be deleted. 


XXXX XXXX : Currently listed as late with one missed payment. This status is challenged. You are required to verify the delinquency with original signed records or remove the account from my report. 


XXXX : Reported as currently late with one missed payment. I dispute this entry as inaccurate and demand validation. If the entry can not be confirmed with complete documentation, it must be removed under the FCRA. 


XXXX XXXX : Marked as closed. If any derogatory remarks are associated with this account, I request a thorough reinvestigation and deletion of any information Please consider this letter a formal dispute of the information listed above. I request that you complete your reinvestigation within the timeframe permitted by law and provide written confirmation of your findings. If these accounts are found to be unverifiable, I demand that they be deleted immediately from all consumer reporting agencies. 

Pursuant to my rights, I also request copies of any documents or records used during the verification process. 

Thank you for your attention to this matter. 


Sincerely, 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 2025-06-05 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: IL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, This formal communication is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute and request the deletion or correction of inaccurate, misleading, or unverifiable information appearing on my consumer credit reports. 


The following accounts are at issue : XXXX : This account is listed as closed with XXXX missed payments. I dispute the accuracy and completeness of this reporting. I request immediate reinvestigation, and if the creditor can not verify the full history with original documentation, this entry must be permanently removed. 


XXXX XXXX XXXX : This account reflects XXXX missed payments and is marked closed. This reporting is contested as either incomplete or inaccurate. Please conduct a reinvestigation under FCRA guidelines and provide documentation supporting each derogatory mark. 


XXXX XXXX XXXX XXXX  This account is listed as closed with XXXX missed payment. I dispute this late payment and demand verification. If such can not be produced from original furnishers, this data must be deleted. 


XXXX XXXX : Currently listed as late with one missed payment. This status is challenged. You are required to verify the delinquency with original signed records or remove the account from my report. 


XXXX : Reported as currently late with one missed payment. I dispute this entry as inaccurate and demand validation. If the entry can not be confirmed with complete documentation, it must be removed under the FCRA. 


XXXX XXXX : Marked as closed. If any derogatory remarks are associated with this account, I request a thorough reinvestigation and deletion of any information Please consider this letter a formal dispute of the information listed above. I request that you complete your reinvestigation within the timeframe permitted by law and provide written confirmation of your findings. If these accounts are found to be unverifiable, I demand that they be deleted immediately from all consumer reporting agencies. 

Pursuant to my rights, I also request copies of any documents or records used during the verification process. 

Thank you for your attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX, SS # XXXX, XXXX : XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of inaccurate addresses and phone numbers in 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 13 inaccurate addresses and 17 inaccurate phone numbers. The correct address that should be reporting on my credit is XXXX XXXX XXXX XXXX, SC XXXX. The correct phone number is XXXX. I do not recognize the aforementioned addresses or phone numbers as reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This company is violating my rights. They have not provided validation information under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently I have made previous attempts to fix these issues directly with them and they are violating my rights and Im entitled to {$1000.00} for every violation I listed they either pay me or or delete these accounts ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I am submitting this complaint because my Experian credit report contains multiple inaccurate and unverifiable items. I contacted Experian and requested an investigation, but they have not properly addressed or removed the disputed accounts and inquiries. 

Here are the disputed items : Unauthorized 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 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 XXXX I am requesting that the CFPB help ensure Experian investigates these items properly and removes any information that can not be verified. I am also requesting a corrected copy of my credit report and that Experian notify any companies who received the incorrect report in the past XXXX months. 

Im attaching a letter I already sent to Experian along with a copy of my credit report highlighting the issues. 

Thank you for your help in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
I am submitting this complaint because my Experian credit report contains multiple inaccurate and unverifiable items. I contacted Experian and requested an investigation, but they have not properly addressed or removed the disputed accounts and inquiries. 

Here are the disputed items : Unauthorized 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 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 XXXX I am requesting that the CFPB help ensure Experian investigates these items properly and removes any information that can not be verified. I am also requesting a corrected copy of my credit report and that Experian notify any companies who received the incorrect report in the past XXXX months. 

Im attaching a letter I already sent to Experian along with a copy of my credit report highlighting the issues. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing a complaint regarding incorrect personal information being reported on my Experian credit report. Specifically, an address is listed that is not current or accurate. 

The incorrect address being reported is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX This is not my current or correct address, and I did not authorize it to be added to my credit file. I am requesting that Experian immediately investigate and remove this inaccurate address from my credit report. 

This incorrect information could result in credit reporting errors and interfere with my ability to apply for credit or verify my identity. 

Please assist in ensuring that Experian updates my personal information accurately in compliance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Correct address XXXX XXXX XXXX XXXX XXXX NC 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 2025-06-05 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-05 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 explanation
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
i received a email from Myfico membership that there was a inquiry placed on my credit profile that i do not recognized nor did i authorized from XXXX on XX/XX/2025 & from XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2025, and XXXXXXXX XXXX XXXX on XXXX XXXX, XXXX. 
today i filed a cliam with idthief.gov and the report are attached

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