vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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 was a victim of XXXX and i have some accouts listed on my credit report due to XXXX  and idenity theft. XXXX {$1500.00} and XXXX {$1000.00} AND XXXX XXXX XXXX {$1000.00} I ALSO HAVE 2 MISSED PAYMENT ON MY XXXX XXXX XXXX  WHICH WAS DUE TO XXXX  AND ALSO SOME INQUIRES WHICH IS LISTED ON MY FTC REPORT AS WELL. CAN YOU PLEASE LOOK INTO THIS MATTER FOR ME AND REMOVE FROM MY CRDIT REPORT DUE TOO 605 C FSAIR CREDIT REPORTING ACT

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 2025-07-10 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:
I was a victim of XXXX and i have some accouts listed on my credit report due to XXXX  and idenity theft. XXXX {$1500.00} and XXXX {$1000.00} AND XXXX XXXX XXXX {$1000.00} I ALSO HAVE 2 MISSED PAYMENT ON MY XXXX XXXX XXXX  WHICH WAS DUE TO XXXX  AND ALSO SOME INQUIRES WHICH IS LISTED ON MY FTC REPORT AS WELL. CAN YOU PLEASE LOOK INTO THIS MATTER FOR ME AND REMOVE FROM MY CRDIT REPORT DUE TOO 605 C FSAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-07-10 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-10 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:
I did not consent to authorize nor benet from the following accounts and hard inquiries. I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. I need them to delete and block these inaccurate accounts from reflecting on my credit report. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). I need them to delete and block these inaccurate accounts from reflecting on my credit 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: CO

Complaint narrative:
XXXX previously removed all late payments from the Upstart/XXXX tradeline after verifying they were inaccurate or unsubstantiated. I have dated screenshots showing the tradeline was clean prior to submitting my most recent dispute in XX/XX/year>. 

After I submitted a new factual dispute pointing out additional inconsistencies in how the account was being reported ( including misaligned delinquency timing and contradictory bureau data ), XXXX reinserted derogatory information that was not previously present. This included : A pay status of Account 90 Days Past Due Late payment notations for XXXX and XX/XX/year> A missing XX/XX/year> entry, despite the 90 days past due label A significantly updated balance, past due amount, and last payment date These updates appeared immediately before the account charged off on XX/XX/year>, which raises serious concerns about retaliation and compliance. Upstart appears to be attempting to retroactively justify a charge-off by inserting derogatory data last minute, and TransUnion is allowing this to occur despite previously removing those same negative marks. 

This handling violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 611 ( a ) ( 5 ) ( B ) Reinserted derogatory data without notifying me or certifying reinvestigation 623 ( a ) ( 1 ) ( A ) Reporting data that is inconsistent, misleading, and not maximally accurate Metro 2 Guidelines The 90-day late pay status is not supported by the payment history I know this reinsertion is retaliatory, unverifiable, and was timed to coincide with the charge-off to cause maximum credit damage and help the furnisher cover their prior reporting failures. I am requesting full deletion of the tradeline due to mishandling of the reinvestigation and unlawful reinsertion of negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
RE : XXXX  Account XXXX Date Opened : XX/XX/XXXX Credit Bureau : Experian Status : Paid, Closed. {$130.00} Written Off ( as of XX/XX/XXXX ) To Whom It May Concern, I am requesting an immediate correction regarding the reporting of my XXXX account, which is currently harming my credit due to multiple violations of FCRA 1681s-2 and Metro 2 credit reporting standards.

Below are the facts and requested actions : 1. Charge-Off Status Is
Inaccurate or Invalid XXXX  reported this account as a charge-off starting XX/XX/XXXX, but they later resumed collection and allowed me to pay the balance directly to them. 

This confirms the debt was not uncollectible, which invalidates the charge-off status. 
Therefore : The charge-off should have either been reversed, or The account should have been reported as Paid in Full Never Charged Off. 

2. {$130.00} Written Off Is False and Must Be Removed The account currently states : Paid, Closed. {$130.00} Written Off.

This is factually incorrect. I paid the full outstanding balance, and no portion was forgiven. 

This misrepresents the resolution of the account and implies a partial settlement that never occurred. It continues to unjustly damage my credit profile. 

I am requesting the status be updated to say clearly : Paid in Full with no mention of a write-off of any kind. 

3. Repetitive Charge-Off History Must Be Removed The payment history shows a CO ( Charge-Off ) every month from XX/XX/XXXX XXXX to XXXX XXXXXX/XX/XXXX, even though : Charge-off is a one-time event, not an ongoing monthly occurrence. 

These repeated CO entries are inaccurate and grossly misleading. 

They are causing ongoing harm to my creditworthiness, long after the account was fully resolved. 

Per Metro 2 guidelines, monthly CO reporting is not permitted after the charge-off date and must be removed. 

I am formally requesting the following actions : 1. Update the account status to reflect : Paid in Full.

2. Remove all references to {$130.00} written off.

3. Delete all monthly CO notations after the original charge-off month, in accordance with Metro 2 and the FCRA. 

These corrections are required under the Fair Credit Reporting Act and are essential to ensuring my credit file reflects accurate, complete, and fair information. Supporting documents can be provided if necessary. 

Thank you for your attention and prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : ( XXXX ) XXXX Email : 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 2025-07-10 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:
I never approved these inquiries, and they appear to be fraudulent. Im requesting immediate review and removal. Please see the attached 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 2025-07-10 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-10 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-10 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: OH

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and a fraudulent account from XXXX ( Acct # XXXX ) is being reported on my credit report without my authorization, in violation of my rights under FCRA 605B, 611, 604, and 1681 ( a ) ( 4 ). 

Timeline : XX/XX/2025 : I discovered an unfamiliar account from XXXX appearing on my credit reports. 

XX/XX/2025 : I filed an FTC Identity Theft Report ( # XXXX ) and took steps to secure my identity, including filing a police report and placing fraud alerts. 

XX/XX/2025 : I sent formal disputes to Experian, TransUnion, and Equifax requesting immediate deletion of this fraudulent account under FCRA 605B. 

XX/XX/2025 : Despite my submission of an identity theft report and supporting documentation, this fraudulent account remains on my credit file, harming my credit score and violating my rights. 

Personal Impact : This fraudulent account has : Lowered my credit score, impacting my ability to secure safe housing and fair interest rates. 

Created emotional distress and ongoing fear regarding the misuse of my identity. 

Wasted significant time as I have had to repeatedly send disputes and monitor my credit for further fraudulent activity. 

Exposed me to continued privacy and security risks while retaining data tied to a crime where I am the victim. 

Legal Basis : Under FCRA 605B, upon receipt of an identity theft report, credit bureaus must block fraudulent information within 4 business days.

Under FCRA 611, you are required to conduct a reasonable reinvestigation within 30 days and provide written results.

Under FCRA 1681 ( a ) ( 4 ), I have the right to privacy regarding my consumer file, and retaining data from an identity theft incident violates that right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally requesting an immediate re-investigation into several unauthorized credit inquiries listed on my credit report. These inquiries were made without my consent and have negatively impacted my credit score.

I previously contacted your agency and was assured that these inquiries would be removed. However, they still appear on my report. This continued inaction is unacceptable and raises serious concerns regarding potential identity theft.

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 2025-07-10 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: TX

Complaint narrative:
I am writing to dispute a late payment reported in error on my credit report. I have reviewed my records and verified that the payment in question was made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
i have disputed items that are still on my credit report with 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 2025-07-10 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX 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 2025-07-10 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: TX

Complaint narrative:
After reviewing my credit report, I noticed a hard inquiry that I did not approve. I have not applied for any new credit lines or authorized any party to review my credit for such purposes.

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 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Selip & Stylianou , LLP contacted me in an attempt to collect a debt originally owed to XXXX XXXX. I later became aware that XXXX was acquired by XXXX XXXX. Because of this change in ownership, I requested documentation from Selip & Stylianou to confirm that they are legally authorized by XXXX XXXX to collect the debt from me.

Despite my request, they have not provided any written proof or letter from XXXX XXXX showing they have the authority to collect on this account. As a result, I am concerned that they may not have proper legal standing to enforce this debt or pursue any judgment or collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NV

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of thaXXXX XXXX 

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

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 2025-07-10 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: MS

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: MS

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I fe

el like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those it
ems from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong 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 non-monetary relief