vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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:
FollowUp Dispute Verification Failure to Comply with FCRA & TILA ( XXXX evidence datedXX/XX/XXXX attached; please DELETE the Equifax accounts listed below ) Your last response stated the accounts below were verified as accurate. 
The attached screenshots show fresh, material conflicts that violate the Fair Credit Reporting Act ( FCRA ) 611, the Fair Credit Debt Reporting Act ( FCDRA ), and the Truth in Lending Act ( TILA ). 

# # 1Accounts to Be Deleted from Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccuracies Still Unresolved Balances & XXXX XXXX Equifax lists {$0.00} limits or balances that contradict the other CRAs ( e.g., XXXX XXXX $ XXXX vs. $ XXXX ). 

HighCredit & PastDue Dollaramount gaps of thousands ( XXXX high credit $ XXXX vs. $ XXXX ). 

LastReported / DateLastActive XXXX lastreported XXXX vs. XXXX. 

PaymentHistory Grids Equifax shows OK codes where the other bureaus display continuous CO ( chargeoff ) lines. 

Comment Codes Account previously in disputenow resolved by data furnisher ( XXXX, XXXX ) vs. Charged off as bad debt ( TU ). 


# # 3Legal Basis for Immediate Deletion 15U.S.C.1681i ( a ) ( 7 ) Equifax has not supplied the required written description of its investigation within 15days.

609 ( a ) ( 1 ) ( A ) Verification must rely on physical review of original signed contracts or chargeoff ledgers, not automated eOSCAR data. 

607 ( b ) Equifax has failed to follow reasonable procedures to assure maximum possible accuracy. 

1681i ( a ) ( 5 ) Information that can not be verified must be deleted. 

1681s2 ( a ) ( 1 ) ( A ) Furnishers must report only accurate data ; Equifaxs publication of conflicting figures facilitates their violation. 

TILA15U.S.C.1601 Credit disclosures must be truthful and transparent ; these tradelines fail that standard. 

# # 4Required Actions ( 15Day Deadline ) DELETE the six Equifax accounts unless you can produce : Original, fully executed credit agreements ; Complete payment histories & chargeoff worksheets ; Written certification from each furnisher attesting to accuracy. 

PROVIDE a full narrative of every verification step, naming each furnisher and contact person. 

ISSUE an updated Equifax credit report reflecting all deletions or corrections. 

# # 5Consequences of NonCompliance If Equifax fails to comply within 15calendar days, I will : File complaints with the FTC, and my State Attorney General. 

Seek statutory damages up to {$1000.00} per violation under 15U.S.C.1681n and actual damages under 1681o. 

Pursue civil action for defamation, negligence, and willful noncompliance. 

Thank you for your immediate attention. I expect written confirmation within the timeframe mandated by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
TRANSUNION XXXX XXXX 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 2025-04-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-16 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: FL

Complaint narrative:
b"It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items  which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft.  The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank's records (learned through more research both parties require). Please delete /remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ). 
This incorrect information includes wrong addresses and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. 
Inaccurate Information : XXXX. Wrong Addresses : - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX - Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Wrong Employers : - Incorrect Employer : XXXX - Correct Employer : Self Employed Actions Requested : XXXX. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report. 
XXXX. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report. 
Actions Requested : XXXX. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report. 
XXXX. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report. 
Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID. 
- A copy of my Social Security Number. 
- A copy of document showing my correct address XXXX Impact : These inaccuracies have the potential to affect my creditworthiness and cause confusion in my credit profile. 
It is essential that my credit report contains accurate and up-to-date information. 
Desired Resolution : I am requesting that Experian promptly investigate and correct these inaccuracies. Please con rm in writing once the corrections have been made and provide me with an updated copy of my credit report. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies.

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 2025-04-16 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2025-04-16 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX  Date opened XX/XX/XXXX - Account number XXXX Date opened : XX/XX/XXXX - Balance : {$63000.00} XXXX XXXX Account number Date opened XX/XX/XXXX - XXXX Date opened : XX/XX/XXXX Balance : {$4300.00} XXXX XXXX XXXX Account number - XXXX Balance : {$23000.00} XXXX XXXX  Account number - XXXX XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number - XXXXXXXX XXXX Account number - XXXX Credit limit : {$2500.00} XXXX Account number - XXXXXXXX XXXX Account number - XXXX XXXX XXXX  Account number - XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX Account number - XXXX Date opened : XX/XX/XXXX XXXX Balance : - {$630.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX - Account number XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX - Original balance - {$720.00} - Account info Account number : XXXX INQURIES : XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Synchrony bank is the bank for the guitar center card. Two months ago the lowered my limit due to a lower credit score by 20 points ok got it. Now they closed my account no reason and no notice. I have never missed a payment and have not violated any terms. They say they sent email but they have not. These actions I belive to be wrong. They have now put this in my credit report it it will stay as closed by creditor for ten years if they don't fix it.

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 2025-04-16 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: VA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I have submitted numerous FTC Identity theft reports to Transunion in regards to a fraudulent account on my consumer report. XXXX XXXX. They sent a latter stating this was not me requesting this removal. I have submitted all identifying information in reference to my request.

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 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing you this statement for you to delete the following information provided on my report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information about my report, please correct these errors or I shall proceed with involving my attorney!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
FASFA placed my loan under a forbearance program. They just put a 120 day late on my credit

Company response to consumer: Untimely response
Consumer complaint received 2025-04-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-16 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: CA

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account number XXXX XXXXXXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. PLEASE REMOVE LATE PAYMENT IMMEDIATELY XX/XX/year> AND STOP FUTURE LATE PAYMENTS THAT MAY OCCUR for XX/XX/year> etc. 

15 USC 1681 ( n ) 15 US C 1681 ( e ) ( b )

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 2025-04-16 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account number XXXX XXXXXXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. PLEASE REMOVE LATE PAYMENT IMMEDIATELY XX/XX/year> AND STOP FUTURE LATE PAYMENTS THAT MAY OCCUR for XX/XX/year> etc. 

15 USC 1681 ( n ) 15 US C 1681 ( e ) ( b )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within XXXX days, it must be deleted immediately from my credit file.

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