23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute the information in my credit report related to [ specific accounts, bankruptcy entries, or inquiries ]. I believe Transunion has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in conducting a reasonable reinvestigation and ensuring maximum possible accuracy of the information reported.

Key Issues : Failure to Conduct a Reasonable Reinvestigation Transunion is required to conduct a thorough and reasonable reinvestigation of disputed information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). However, I believe Transunion has not adequately reviewed the evidence I provided or forwarded it to the appropriate data furnishers.

Failure to Address Bankruptcy and Negative Accounts The disputed accounts include entries related to a bankruptcy filing that are either outdated, inaccurately reported, or entirely inapplicable. Transunions failure to rectify these inaccuracies violates its duty under the FCRA to ensure that consumer reports are accurate and complete.

Failure to Investigate Improper Inquiries Hard inquiries listed on my report, which were not authorized by me, have remained despite my dispute. According to the CFPB 's lawsuit ), Transunion has failed to reinvestigate disputes regarding hard inquiries unless identity theft or fraud was specifically alleged, which directly violates the FCRAs requirements. 

Improper Use of Dispute Codes Inadequate or generic dispute codes were applied, as referenced in the CFPB lawsuit, leading to mischaracterization of my dispute. This prevents accurate review and resolution by the furnishers. 





My Request : Under the FCRA : I demand that Transunion conduct a reasonable reinvestigation of the disputed items and provide me with clear documentation of the findings. 

Any information found to be inaccurate, incomplete, or unverifiable must be modified, corrected, or deleted as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Notify me of the outcome within the statutory timeline of 30 days, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

If Transunion continues to fail in meeting its statutory obligations, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I have attached the following documents to support my dispute : ( See Attachments ) Please confirm receipt of this letter and respond promptly. I expect Transunion to uphold my rights under the FCRA and take immediate corrective action to address these issues. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I got a credit card that i did not solicited for. It is in my name and from netspend. I researched on internet and there are many many complains and some start in 2008. 
This is scam and nobody seems to can stop them
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting

I am filing this complaint because the credit bureau ( EXPERIAN ) has failed to provide me any physical proof that they have on file that were used to verify the accounts I disputed. This is well past the 30 days allowed to verify these accounts. Under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. Please resolve this issue as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax Experian and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax Experian and TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's Experian and TransUnion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As well as unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent XXXX a dispute letter demanding to remove XXXX accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXXXXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with XXXX and Equifax and same accounts, except XXXX has a account XXXX XXXX {$840.00} that I also demanded to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. XXXX XXXX is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. Bank of America and XXXX XXXX XXXX being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Neither Bank of America, XXXX XXXX XXXX nor the consumer reporting agency XXXX XXXX have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. Bank of America and XXXX XXXX XXXX failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting or other personal consumer reports

I identified information on my credit report that is a result of identity theft and not transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX  : XXXX DATE : XX/XX/XXXX AMOUNT : {$210.00} XXXX XXXX XXXX XXXX XXXX : XXXX DATE : XX/XX/XXXX AMOUNT : {$370.00} XXXX XXXX XXXX ACCT : XXXX DATE : XX/XX/XXXX AMOUNT : {$870.00} XXXX XXXX XXXX XXXX XXXX AMOUNT : {$1800.00} XXXX XXXX XXXX ACCT : XXXX DATE : XX/XX/XXXX AMOUNT : {$240.00}
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

on XX/XX/23 and XX/XX/23 i submitted a valid XXXX XXXX XXXX report, a copy of my XXXX license and XXXX card to equifax to have XXXX hard inquiries removed XXXX XXXXequifax. everytime i do so the investigation takes XXXX hours and the items are still there. i even called a rep and she told me i was missing my XXXX  and XXXX  card. this is false because they should already have this on file. they refuse to remove the account that is fraudulent also. something needs to be done about this
Product: Checking or savings account

I am having problems rolling out some of my XXXX XXXX fund from Ally Bank to XXXX There have been a lot of issues, some from the receiving XXXX entity but also from Ally that has given a lot of wrong information.
Product: Mortgage

This is a continuation of complaint XXXX which was closed too early by Fay Servicing LLC XXXX The initial complaint was against XXXX XXXX citing forgery of XXXX XXXX XXXX signature to obtain a payoff for the outstanding mortgage loan. 
Fay Servicing failed to verify the authenticity of the signature, which could have been done with a simple phone call to XXXX XXXX or XXXX XXXX to verify authorization was given, yet it wasn't. 
Because of this failure, XXXX and XXXX XXXX 's PII was provided to an unauthorized 3rd party. 
Pursuant to the Privacy Act : Personally Identifiable Information ( PII ) is Information about an individual that identifies, links, relates, or is unique to, or describes the individual, e.g., a social security number ; age ; military rank ; civilian grade ; marital status ; race ; salary ; home/office phone numbers ; other demographic, biometric, personnel, medical, and financial information, etc. 
Fay Servicing failed to protect our PII in the following ways ( these are only a few points taken from the Privacy Act ; the official lawsuit will list out more detailed violations ) Record Any item, collection, or grouping of information about an individual that is maintained by an agency. This includes but is not limited to, education, financial transactions, medical history, and criminal or employment history and that contains an individuals name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph Security. Any organization creating, maintaining, using, or disseminating records of identifiable personal data must assure the reliability of the data for their intended use and must take precautions to prevent misuse of the data. 
We are still in pursuit of the forgery claim initially submitted against XXXX XXXX. We filed a police report, see attached, and have retained an attorney to take legal action in a civil suit in accordance with the law against XXXX XXXX and Fay Servicing. 

We ask the following : 1. Continuation of the forgery investigation against XXXX XXXX. 
2. Provide us with your legal counsel 's information.
Product: Debt collection

Did not receive notice of right to dispute, i dont know where this debt came from
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX  XXXX Account Number : XXXX Reason : I dispute the missed and late payments reported on this account, as they do not reflect my payment history. Please provide all statements and records of payments since I opened this account. I disagree with the results of your investigation and request proof supporting the negative payment status. If no such proof exists, please delete this damaging information. 

Account Name : XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 


Account Name : XXXX  Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Im deeply saddened by the negative payment status on this account, which I believe is inaccurate. Please provide statements showing the exact past due amounts and the date this account became negative. I can not agree with your investigations results. Please mail me the proof supporting this negative status or remove this damaging information. 

INQUIRIES : 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  These items are inaccurately reported or should have already been resolved, yet they remain on my record. Ive tried everything reaching out to the credit reporting agency and the data furnisher but the issue still haunts me. 
Ive attached all the proof I have documents, screenshots, everything showing the errors on my credit report. Please, I ask that you thoroughly investigate this and correct the mistakes. This has weighed on me for so long. I just want my credit report to reflect the truth.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, at XXXX, I received an email with a copy of a receipt for a purchase from XXXX for 2 tickets in the amount of {$460.00}. I had never created an account with XXXX, I did NOT purchase any tickets through XXXX and I did NOT authorize anyone else to make a purchase using my credit card. I immediately changed the password on the email account, called the XXXX customer service number and informaed them a fraudulent purchase had been made and using my information. The told me too bad, not their problem I would have to call the bank. I then called XXXX XXXX fraud department and informed them what had occurred. They said I would have to wait and call back after the charge was 'posted ' to my account. At that time I cancelled that card and was to receive a replacement. On Monday XX/XX/XXXX, I called XXXX  once more and opened a fraud dispute. Almost Immediately, I started receiving notifications of my email account being subscribed to well over 100 subscriptions in the XXXX  for  miscellaneous web sites. I have called XXXX customer service and requested the IP addrress and phone number associated with the original purchase and they refuse to give the information. XXXX would not cancel the order and sent an email at XXXX on XX/XX/XXXX indicating the tickets were available for download. I DID NOT DOWNLOAD any tickets, I DID NOT ORDER ANY TICKETS. XXXX 'investigated ' the fraud complaint and sent a letter dated XX/XX/XXXX indicating they had closed the investigation and found the dispute NOT in my favor and placed the charges on my account once more. XXXX has NEVER contacted me about this complaint and the investigation. I have attempted to contact the phone number to dispute this resolution and have been on the initial greeting 'waiting for the next associate ' for 3 days, over an hour each day with NOONE ever picking up the line. I called the extension indicated in the letter and it goes straight to voice mail. I have left my phone number and reason each time with NO response.
Product: Credit reporting or other personal consumer reports

I am writing with a heavy heart to dispute the inaccurate information being reported on my credit report. The following items are wrong and are deeply affecting my credit score, making an already difficult situation even worse : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$6800.00} Reason : This account is wrongly being marked as charged off with an outstanding balance. I kindly ask that you provide proof of the charge off and update the balance to {$0.00}, or remove the negative payment status altogether. I am deeply disappointed by the outcome of your investigation. Please send me the proof of your findings, along with evidence of the negative payment status, or else remove this damaging information from my account.

Date of Last Activity : Inaccurate Close Date : Inaccurate Creditor Type : Inaccurate These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.