vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-03 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-03 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-03 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 complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX The address listed above appears in my credit file, yet I have no verifiable connection to this residence. According to FCRA Section 609 ( a ) ( 1 ), any information reported must be supported with documented proof of accuracy and ownership. I have never lived at this address, nor have I signed any lease, utility agreement, or contract that would legally tie me to this location. Reporting such an unverified address creates a misleading impression about my identity and history. Unless the bureau can provide original signed documentation linking me to this property, it must be removed immediately. Continuing to report inaccurate addresses constitutes willful non-compliance under FCRA Section 616, and subjects the bureau to liability for damages. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$7600.00} Late Payment XXXX XXXX This account is reported with late payments, but the information remains unverified. Under FCRA 623 ( a ) ( 1 ), furnishers are not permitted to report information they know or should know is inaccurate. No documentation has been provided to establish the validity of these alleged delinquencies. Without billing records and a verified payment history, the reporting is incomplete. The story told here is one of a consumer marked delinquent based on assumption rather than fact. The damage this causes is significant, as payment history makes up the largest factor of a credit score. To report late payments without supplying verifiable proof is unlawful and in direct conflict with FCRA 611. Therefore, I request immediate deletion of these entries.

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NC

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-09-03 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-03 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: MI

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to XXXX XXXX regarding an inaccurate XXXX late payment reported by XXXX XXXX XXXXXXXX XXXX My dispute included my full name, address, SSN, and DOB. XXXX XXXX confirms XXXX XXXX received it. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), XXXX XXXX was required to investigate and provide results within 30 days. Instead, they continued reporting the disputed item without providing proper verification. To support my dispute, I obtained documentation from XXXX ( another nationwide CRA ). In their official letter dated XX/XX/year>, XXXX confirmed : Our investigation has determined that the item you disputed, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is not in our database. At this time, we do not have a consumer report on file for you. This proves the XXXX  XXXX XXXX account can not be verified through at least one CRAs investigation. Under FCRA 607 ( b ), XXXX XXXX is required to follow reasonable procedures to assure maximum possible accuracy. Information that can not be verified is not accurate, and therefore must not be reported. Under FCRA 611 ( a ) ( 5 ) ( A ), if disputed information can not be verified, the CRA is required to delete it. Despite this clear evidence, XXXX XXXX has failed to remove the XXXX  XXXX XXXX XXXX late payment. Continuing to report unverifiable information is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Fl XXXX XX/XX/XXXX Re : Formal Dispute of Account Reporting Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced XXXX XXXX XXXX XXXX account pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). This account, opened on XX/XX/XXXX and closed in XX/XX/XXXXXXXX XXXX is inaccurately reported on my credit file despite a previous dispute filed with XXXX XXXX. Evidence of my prior dispute is available in your internal records. 
Disputed Items & Evidence : 1. Contradictory Payment Reporting The account is reported as Closed/Never late in XX/XX/XXXX, yet historical payment summaries reflect inconsistencies in closure dates and reporting ( e.g., XXXX reported XXXX XXXX XXXX ). This conflicts with your own records of payment history and violates FCRA 607 ( b ) requiring maximum accuracy.

2. Previous Dispute Ignored My prior dispute regarding this account ( referenced internally in your system ) clearly indicates that inaccurate or misleading information was reported. Your continued failure to correct these errors constitutes willful noncompliance under FCRA 611 ( a ). 
3. Incorrect Account Information The last payment date is reported as XX/XX/XXXX, yet monthly statements and closure notes indicate no payments were ever missed. Reporting discrepancies such as these negatively affect my creditworthiness and are factually incorrect. 
Requested Action : Investigate and correct all inaccurate reporting on this account. 
Ensure that the account reflects accurate closure date, status, and payment history. 
Provide written confirmation of your investigation and results within 30 days, as required by FCRA 611 ( a ). 
Please note, failure to correct these inaccuracies will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and pursue all legal remedies available under the FCRA 616617. 
I expect your full compliance and a written response within the statutory period. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX Last Four Social XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
To whom it may concern, I am writing to you regarding the collection accounts associated with my name. My attorneys have arranged payment for these accounts, and I am pleased to inform you that all arrangements have been accepted.

In consideration of the payments I will be making, I kindly request a formal agreement stating that all collection accounts associated with my name will be removed from your records and any credit reporting agencies. I believe this arrangement can provide a positive outcome for both parties.

Please send me a written confirmation of this pay-for-delete agreement, including the total amount to be paid and the timetable for removing these accounts from any credit reports after payment is made. 

I appreciate your cooperation and look forward to resolving this matter amicably. You can reach me at through my lawyers for any further discussion or confirmation. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To whom it may concern ], I am writing to you regarding the collection accounts associated with my name. My attorneys have arranged payment for these accounts, and I am pleased to inform you that all arrangements have been accepted. 

In consideration of the payments I will be making, I kindly request a formal agreement stating that all collection accounts associated with my name will be removed from your records and any credit reporting agencies. I believe this arrangement can provide a positive outcome for both parties. 

Please send me a written confirmation of this pay-for-delete agreement, including the total amount to be paid and the timetable for removing these accounts from any credit reports after payment is made. 

I appreciate your cooperation and look forward to resolving this matter amicably. You can reach me at through my lawyers for any further discussion or confirmation. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> 4. XXXX Account Number : 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 2025-09-03 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: OH

Complaint narrative:
The amount that was disputed {$500.00} from as early as XXXX of XXXX, the debtor XXXX XXXXXXXX XXXX XXXXXXXX XXXX I had put forth the fact that the debtor was attempting to get payed on a chargeback account from XX/XX/XXXX, almost a year ago. The XXXX Credit Bureau failed important information about the outstanding debtor account within the required law. My credit were decreased and declined due to delinquency that appear on my credit report.

Company response to consumer: Closed with non-monetary relief