vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( XXXX XXXX XXXX XXXX  ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( XXXX XXXX XXXX XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

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 2025-07-17 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: CA

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

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 2025-07-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Dispute Department, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Reporting XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of the following account appearing on my credit report with your agency : Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Type : Installment Status : TransUnion : 30 Days Late ; Experian : Closed Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is being reported inconsistently and inaccurately, which does not comply with the Fair Credit Reporting Act ( FCRA ) requirement for accurate, complete, and verifiable information.

Why This Account Should Be Removed * Inconsistencies Between Bureaus TransUnion shows this account as 30 Days Late, while Experian shows it as Closed with no balance and no past-due amount. XXXX, meanwhile, reports nothing at all, which strongly suggests the account reporting is inconsistent, possibly in error, and can not be properly verified across all agencies.

* Closed Status With {$0.00} Balance and No Delinquent Amounts Both TransUnion and Experian show this account as Closed, with a {$0.00} balance, {$0.00} past due, and no ongoing obligation. Reporting a 30 Days Late status under these circumstances is misleading and unnecessary, particularly since the account is closed and satisfied.

* Minimal Impact, Unnecessary Negative Mark This appears to be a minor account that was opened in XXXX with a high balance of only {$1000.00}, and now reflects no outstanding amount, no ongoing delinquency, and no current activity. The presence of a single late payment on a closed and paid-off account is disproportionate and harmful to my credit profile, especially when the account has otherwise been resolved.

* Potential Reporting Error Given that XXXX  does not report the account at all, there is reasonable doubt as to whether this information is accurate and verifiable. Inaccurate or unverifiable information must be removed from a consumers credit report, per 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Credit report info is missing from all three bureaus Unable to verify accurate credit info Requesting assistance producing credit info from all three bureaus

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Credit report info is missing from all three bureaus Unable to verify accurate credit info Requesting assistance producing credit info from all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
b'Equifax- Fraud reporting info needs removal \nXXXX XXXX \nFair Collections & O\nDiversified XXXX \nXXXX XXXX XXXX XXXX\n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXXr \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX, XXXX\n\nEXPERIAN- Fraud information on my report \nXXXX XXXX \nXXXX XXXX  \nXXXX XXXX XXXX XXXX \n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX/ XXXX XXXX XXXX  \nXXXX XXXX/ XXXX XXXX \nXXXX XXXX XXXX \n\n\nTransunion- Remove fraud accounts \n XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX \n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX  \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX XXXX XXXX XXXX XXXX \nXXXX 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 2025-07-17 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: GA

Complaint narrative:
b'Equifax- Fraud reporting info needs removal \nXXXX XXXX \nFair Collections & O\nDiversified XXXX \nXXXX XXXX XXXX XXXX\n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXXr \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX, XXXX\n\nEXPERIAN- Fraud information on my report \nXXXX XXXX \nXXXX XXXX  \nXXXX XXXX XXXX XXXX \n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX/ XXXX XXXX XXXX  \nXXXX XXXX/ XXXX XXXX \nXXXX XXXX XXXX \n\n\nTransunion- Remove fraud accounts \n XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX \n\nPersonal name is XXXX XXXX \n\nPersonal address information never lived there \nXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX \nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX  \nXXXX XXXX XXXX \n\nHard Inquires fraud please remove \nXXXX XXXX XXXX XXXX XXXX XXXX \nXXXX 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 2025-07-17 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am reaching out to report an issue Im experiencing with XXXX. My account has been frozen on XXXX without clear explanation, and despite repeated attempts to contact their customer service, I have not received a satisfactory response or resolution. The lack of transparency and communication has been extremely frustrating, especially considering the funds in the account are essential for personal use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-07-17 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: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: LA

Complaint narrative:
I called and asked for my pay off statement and update my account to the credit bureaus

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 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Tesla, Inc.
State: CA

Complaint narrative:
XXXX repurchased my lemon. They took possession on XX/XX/year>. Yet they have still not paid off the car. I made two additional payments on the car that I have not had possession of in two months. They repaid me the loan payments but have not successfully paid off the bank. They sent a check to the bank but it looks like it was returned? The Bank is still sending me payment notices on a car I no longer own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Company Experian Date XX/XX/year> Tried several times to reach customer service to see why credit rating keeps changing. 
A lady contacted me, said she was Experian named XXXX. Said she could help. Requested {$1.00} to get my credit report. I paid with XXXX. She pulled report and said discrepancies existed on all XXXX credit bureau reports ( Experian, TransUnion and Equifax ) that she could fix for a fee. At that time I became very concerned that this lady has all my information and how could she make changes on my credit report. I refused. 
She assured me her pulling my report would not affect my score- I checked it has gone down by XXXX points. 
!. Was this a scam? 
XXXX. I have tried several times to talk to someone at Experian - IMPOSSIBLE to get through their prompts. 
XXXX. {$1.00} was charged to XXXX XXXX XXXX. Is this an Experian vendor? 
XXXX. Was this an Experian Representative and why is it so hard to speak with a person?

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 2025-07-17 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: TN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-17 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: FL

Complaint narrative:
I have been trying for months to communicate my concerns regarding the inaccuracies on my credit report, but my efforts have gone unanswered. This issue is real and ongoingthis complaint is not a mistake or sent in error. These are difficult times, and the continued presence of inaccurate information on my report is only adding to the burdens Im already facing, negatively affecting both my life and financial well-being.

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