vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
b'I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act (FCRA), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be  removed or permanently deleted from my credit profileXXXX XXXX XXXX XXXX XXXX BALANCED XXXX XXXX XXXX XXXX XXXX BALANCED XXXX XXXX XXXX XXXX XXXX BALANCED XXXXXXXX XXXX XXXX XXXX XXXX BALANCED XXXX XXXX XXXX BALANCED 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 2025-07-11 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: VA

Complaint narrative:
Complainant : XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX I am submitting this complaint due to the continued presence of inaccurate, unverifiable, and outdated information in my credit report. After obtaining a recent copy of my credit file through XXXX, I identified numerous errors related to both personal information and account reporting. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information ( 15 U.S.C. 1681i ) and to request full file disclosure ( 15 U.S.C. 1681g ). I also have the right to a detailed method of verification if a disputed item is claimed to be verified ( 15 U.S.C. 1681i ( a ) ( 7 ) ). This includes the name, address, and phone number of each furnisher, as well as the procedures used in verifying the item. 

Despite my lawful and specific request, the credit reporting agency has failed to correct or remove the following erroneous data : Disputed Items : Incorrect Personal Information Previous Address : XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * FCRA Violations Cited : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a proper and reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete or correct unverifiable information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide method of verification after marking items as " verified. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complainant : XXXX XXXX Subject : Repeated Failure by Credit Reporting Bureaus to Correct Inaccurate Late Payment Reporting I am filing this complaint against Equifax, TransUnion, and Experian for their continued failure to correct inaccurate late payment information on my credit reports, despite multiple formal disputes submitted directly by me, XXXX XXXX , as a natural person.

This marks my third formal attempt to resolve these inaccuracies. My initial dispute was submitted over 35 days ago, followed by a second submission. Yet to date, I have received no valid documentation verifying the legitimacy of the reported late payments. 

Disputed Accounts : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Status : Late Payment ( Open ) XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Late Payment ( Open ) These disputed accounts may reflect billing errors under the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666 ( b ), for the following reasons : Failure to correctly post or credit timely payments ; Accounting or computation errors by the creditor ; Failure to issue a billing statement at least 21 days before the due date, making the late payment report legally invalid.

Violations of the FCRA : Each credit bureau is required by the Fair Credit Reporting Act ( FCRA ) to : Perform a reasonable reinvestigation of disputed information ( 15 U.S.C. 1681i ( a ) ) ; Maintain maximum possible accuracy in consumer credit files ( 15 U.S.C. 1681e ( b ) ) ; Provide the method of verification, including the names and contact information of any furnishers contacted during the investigation ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

To date, I have not received any verifiable documentation proving the accuracy of the reported late payments. The continued reporting of these unverifiable items is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$20000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$650.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I do not recognize any of these purchases made on this card, therefore the balance reflected on this card is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OK

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX  XXXX XXXX XXXX, D.CXXXX XXXX Subject : Formal Complaint Inaccurate Credit Reporting During Approved Student Loan Deferment by EdFinancial Services Dear Consumer Financial Protection Bureau, I am filing a formal complaint against EdFinancial Services for what I believe is inaccurate and unfair credit reporting related to my student loan, which has been in an approved deferment status since XX/XX/scrub> 2024. 

Although my loan is officially deferred meaning no payments are due and no delinquency has occurred I have observed a negative impact on my credit score. This appears to result from loan balance increases due to interest accrual, which are being reported in a way that reflects negatively on my credit file. 

The key concerns include : My account is in good standing and deferment, yet balance changes are impacting my credit score.

There have been no missed payments, and no adverse activity on the account.

These practices may violate provisions of the Fair Credit Reporting Act ( FCRA ) and potentially the U.S. Department of Educations guidance on reporting during deferment periods. 

Despite not being in active repayment, the manner in which this account is being reported is causing measurable harm to my credit profile, which I believe is unfair and misleading.

I am requesting the CFPB to take the following actions : Investigate EdFinancial Services credit reporting practices for borrowers in approved
deferment.

Ensure that servicers are not penalizing borrowers via credit score changes during periods when payments are not required.

Take appropriate action or recommend corrective guidance regarding reporting standards during deferment.

Please confirm receipt of this complaint and inform me of the next steps or outcomes following your review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure by Experian, Equifax, and TransUnion to Correct Inaccurate Reporting and Mark Accounts as Disputed I am filing this formal complaint against Experian, Equifax, and TransUnion for failure to comply with federal law concerning the accuracy and completeness of my credit reports. After reviewing a recent copy of my credit report, I discovered that multiple accounts are reporting inaccurate, incomplete, or misleading information, and prior disputes have not been appropriately addressed. 

Despite previously submitting direct disputes both to the furnisher and through the credit bureaus, no meaningful corrections have been made. This constitutes clear noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : Unauthorized Inquiry XXXX  Date of Inquiry : XX/XX/year> This inquiry was not authorized and should be removed immediately. 

Late Payment ( Closed/Paid ) XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Federal Law : 15 U.S. Code 1681s2 ( a ) ( 3 ) Requires data furnishers to report an account as " disputed '' once a consumer notifies them of the dispute.

15 U.S. Code 1692e ( 8 ) Prohibits a debt collector from reporting credit information without indicating the item is disputed, if they are aware of the dispute. 

Despite my original dispute being submitted more than 35 days ago, the account listed under XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) has not been marked as " disputed '' in my credit file. This is a clear violation of both FCRA and FDCPA, and it significantly impacts my creditworthiness and reputation with potential lenders or employers. 

I am submitting supporting documentation showing : A copy of my original dispute A copy of my current credit report showing that the account remains unmarked as " disputed ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
Upon careful review of my credit report, I noticed a hard inquiry that was not authorized by me. I have never applied for credit with the institution responsible for this inquiry, nor did I grant permission for this action.

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 2025-07-11 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: WI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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: WI

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
am writing to formally request the immediate removal of a fraud alert or consumer statement currently appearing on my TransUnion credit report. I did not request this alert, and I have not filed any fraud or identity theft report that would warrant this type of notation.

This consumer statement was added without my knowledge or authorization, and its continued presence may unnecessarily restrict access to credit or raise concerns for lenders based on inaccurate assumptions about my identity or credit activity.

Please consider this letter my formal notice under the Fair Credit Reporting Act ( FCRA ) to remove any fraud alerts or consumer statements that were not initiated or approved by me. I request the following : 1. Immediate removal of the fraud alert or consumer statement from my credit file ; 2. A written explanation of when, how, and why it was added ; 3. Confirmation that my credit file now reflects accurate and unencumbered information.

If this was placed due to prior disputes or internal actions by TransUnion, I ask that those notations be corrected to reflect that I did not report fraud or identity theft, and no alert of that nature is necessary.

Please send confirmation of this correction to the address or email listed below. I appreciate 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 non-monetary relief
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments

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 2025-07-11 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: SC

Complaint narrative:
I am resubmitting this complaint in reference to the letter I previously sent, wherein I requested the removal of fraudulent items from my credit file. Once again, I am urging Experian, Equifax, and TransUnion Credit Bureaus to remove the fraudulent items listed in the Identity Theft Report. According to the law, you are obligated to remove these listed fraudulent items. Please review the fraudulent items below, which have been exposed in all three Credit Bureaus without my permission, and I request their prompt removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-11 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:
I recently reviewed my credit report and noticed a late payment entry that I believe was reported in error. I take my financial commitments seriously and have consistently demonstrated a reliable payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accscient, LLC
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX PO Box XXXX XXXX, TN XXXX Subject : Request for Debt Validation Reference : Alleged Account with Warm Springs Medical Center To Whom It May Concern, I am writing in response to a collection notice I received from your office regarding an alleged debt related to Warm Springs Medical Center. Please be advised that I am formally requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under this law, I have the right to request that you provide documentation verifying the debt, including : The amount of the alleged debt ; The name of the original creditor ; A detailed statement of the charges ; Proof that I am legally obligated to pay ; A copy of any judgment, if applicable.

Any contract that where I have obligated to agree to the debt in question Until you provide the requested validation, I am requesting that all collection activity be suspended, including any credit reporting or further contact with me regarding this account.

Please respond to this request in writing to the address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response