vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
I am writing to dispute a latepayment entry currently being reported on my credit report in connection with the account listed below. I believe this entry is inaccurate, incomplete or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), I have the right to dispute such information and request that it be investigated and corrected or removed if it is found inaccurate. 

Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date of Alleged Late Payment : XX/XX/year> - XX/XX/year> Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date of Alleged Late Payment : XX/XX/year> - XX/XX/year> I was never late in making payments. Please correct and update the inaccurate information on my credit report. 

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-10-29 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MA

Complaint narrative:
Equifax, continue to report inaccurate late-payment information for my XXXX XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: ME

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates for their continuous reporting of multiple erroneous accounts that do not belong to me. Despite my efforts to dispute these items and request proper validation, they continue to report inaccurate information to the credit bureaus. These accounts are a direct violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and their actions have caused me severe emotional and financial harm. 

This ongoing issue has taken a heavy emotional toll on me. I have been dealing with XXXX, XXXX, and sleepless nights worrying about my credit, my finances, and my ability to move forward. I have felt embarrassed, hopeless, and overwhelmed every time Ive been denied credit, housing, or other financial opportunities because of false information that should have never been reported. 

These unlawful and negligent reporting practices have also placed a significant financial burden on me. My creditworthiness has been damaged, making it difficult to secure safe and stable housing for my family or qualify for affordable credit options. The stress from this situation has affected my daily life, my mental health, and my overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I took out a loan through my bank originally, XXXX XXXX, it was bought out by navient. I graduated in XXXX  and the total loan amount never goes down. I am paying XXXX a month between navient and XXXX XXXX and really need help. I have a newborn baby and have been unable to consolidate loans or lower the total amount despite having almost an XXXX credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Under Section 605B of the FCRA, credit reporting agencies must block information that results from identity theft once you provide : Proof of your identity A copy of an Identity Theft Report ( often from the FTC or police ) A written statement identifying the fraudulent accounts I was unable to create a FTC identity theft report due to the government shutdown but I do have proof of identity & a written statement identifying these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: AZ

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX  days of receiving the dispute. 

It has been over XXXX days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-10-29 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: NM

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number 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 2025-10-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX 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 2025-10-29 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-29 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: Kriya Capital, LLC
State: VA

Complaint narrative:
Recently I reviewed my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the Credit Bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify. 
Account Name CREDENCE RESOURCE MANAGEMENT Account Number XXXXXXXX XXXX XXXX XXXX XXXX  Amount {$560.00} Date XX/XX/year> This debt has been Charged-Off by the Original creditor, which means, that the debt has been paid and is considered income. Since a Charge-Off is considered Income, it has to be removed. Income can not be reported on credit files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX ) Compliance/Credit Reporting Team reported to the XXXXCRAs on XX/XX/XXXX that my mortgage was XXXX  days past due. In addition XXXX did not notify me in accordance with 15 U.S. Code 1681s-2 ( a ) ( 7 ) of them furnishing this negative credit information to the XXXXCRAs. Below are the material facts with applicable statutes : Current before forbearance : forbearance period XXXX XXXX XXXX XXXX. While in forbearance, my loan was required to be reported current since I was current at entry and complied with terms. ( CARES Act XXXX amending FCRA ; XXXX XXXX. XXXX ( a ) ( XXXX ) ( F ) Servicing transfer effective XX/XX/year> ; XXXX transfer protection : For XXXX  days after transfer from XXXX, a payment may not be treated as late for any purpose ( including credit reporting ) due solely to the transfer. ( 12 C.F.R. 1024.33 ( c ) Loss-mitigation ( modification ) process through XX/XX/year> : I was in active review and then approved for a trial modification on XX/XX/year>. Furnishers must ensure accuracy and may not report a borrower as delinquent while a complete loss-mitigation application is pending or while the borrower is performing under an approved plan when no payment is yet due. ( FCRA accuracy : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) First payment due XX/XX/year> : first payment made XX/XX/year>. No payment was due in XXXX or XXXX under the trial plan. Delinquency can not be reported until a scheduled payment becomes due and is actually unpaid past applicable thresholds ( reporting occurs in XXXX increments, not within the transfer window or before the first modification payment date ). ( FCRA accuracy : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; CARES/CFPB guidance re accommodations and accurate furnishing ) Implication : The result of XXXX inaccurately reporting my account delinquent on XX/XX/year>, caused serious harm ( credit card closures, inability to obtain reasonable homeowners/auto insurance premiums, and widespread credit damage ). Please treat as urgent. I contacted the credit bureaus, and they advised that XXXX is still reporting that I am XXXX  days delinquent when my dispute is investigated. The XXXXCRAs advised that XXXX has the capacity to communicate with them to correct the language and remove the derogatory remarks.

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 2025-10-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ) Compliance/Credit Reporting Team reported to the XXXXCRAs on XX/XX/XXXX that my mortgage was XXXX  days past due. In addition XXXX did not notify me in accordance with 15 U.S. Code 1681s-2 ( a ) ( 7 ) of them furnishing this negative credit information to the XXXXCRAs. Below are the material facts with applicable statutes : Current before forbearance : forbearance period XXXX XXXX XXXX XXXX. While in forbearance, my loan was required to be reported current since I was current at entry and complied with terms. ( CARES Act XXXX amending FCRA ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) Servicing transfer effective XX/XX/year> ; XXXX transfer protection : For XXXX  days after transfer from XXXX, a payment may not be treated as late for any purpose ( including credit reporting ) due solely to the transfer. ( 12 C.F.R. 1024.33 ( c ) Loss-mitigation ( modification ) process through XX/XX/year> : I was in active review and then approved for a trial modification on XX/XX/year>. Furnishers must ensure accuracy and may not report a borrower as delinquent while a complete loss-mitigation application is pending or while the borrower is performing under an approved plan when no payment is yet due. ( FCRA accuracy : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) First payment due XX/XX/year> : first payment made XX/XX/year>. No payment was due in XXXX or XXXX under the trial plan. Delinquency can not be reported until a scheduled payment becomes due and is actually unpaid past applicable thresholds ( reporting occurs in XXXX increments, not within the transfer window or before the first modification payment date ). ( FCRA accuracy : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ; CARES/CFPB guidance re accommodations and accurate furnishing ) Implication : The result of XXXX inaccurately reporting my account delinquent on XX/XX/year>, caused serious harm ( credit card closures, inability to obtain reasonable homeowners/auto insurance premiums, and widespread credit damage ). Please treat as urgent. I contacted the credit bureaus, and they advised that XXXX is still reporting that I am XXXX  days delinquent when my dispute is investigated. The XXXXCRAs advised that XXXX has the capacity to communicate with them to correct the language and remove the derogatory remarks.

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 2025-10-29 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/scrub>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 2025-10-29 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 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: MD

Complaint narrative:
I am writing to formally dispute and request verification of several hard inquiries that appear on my TransUnion credit report. I reviewed my credit file through XXXX XXXX and noticed the following inquiries XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unauthorized. I am requesting that TransUnion verify that each of these inquiries was made with my explicit authorization. 

If any of these inquiries can not be verified as being authorized by me, please remove them from my credit report immediately and provide written confirmation once the investigation is complete. 

Please also send me copies of any documentation you receive from the creditors showing that I authorized these inquiries. 

Thank you for your prompt attention to 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 2025-10-29 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute and request verification of several hard inquiries that appear on my TransUnion credit report. I reviewed my credit file through XXXX XXXX and noticed the following inquiries XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unauthorized. I am requesting that TransUnion verify that each of these inquiries was made with my explicit authorization. 

If any of these inquiries can not be verified as being authorized by me, please remove them from my credit report immediately and provide written confirmation once the investigation is complete. 

Please also send me copies of any documentation you receive from the creditors showing that I authorized these inquiries. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation