vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed these accounts on XX/XX/year> and they were rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Transunion reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Transunion has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. 
If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n XXXXXXXX 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 2025-07-23 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: TX

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT AND HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNT AND HARD INQUIRIES from my credit report. 

ACCOUNT : 1 ) XXXX XXXX XXXX HARD INQUIRIES : 1 ) XXXX XXXX 2 ) 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 2025-07-23 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-23 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: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear [ XXXX ], I am writing to formally request an investigation and removal of derogatory information regarding the above-referenced account that appears on my credit report. Specifically, I am requesting the removal of : Late payment entries The charge-off status associated with this account This account, originally with Macys, was reported as charged off and contains multiple late payments. While I acknowledge the accounts past status, I would like to explain that during that time I was experiencing significant personal and financial hardship and family emergency with XXXX being in hospital, which contributed to the delinquencies. 

Since then, I have taken substantial steps to regain control of my financial situation and improve my creditworthiness. I respectfully ask that you consider my request for removal of these negative items as a goodwill gesture and allow me the opportunity to move forward on a stronger financial path. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incomplete or unverifiable. If you are unable to verify the accuracy of the late payments and the charge-off with the original creditor, I request that they be removed from my credit report as required by law. 

Enclosed are any supporting documents related to the account and my current identification for verification purposes. 

Thank you for your time and assistance. I would appreciate confirmation in writing of the outcome of this request.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I did not open these accounts please remove immediately. This is 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 2025-07-23 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 did not open these accounts please remove immediately. This is identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-23 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data.. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 


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 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am writing to you regarding an account you have placed in collections, which appears on my credit report under the name Credit Collection Servic with a balance of {$140.00}, allegedly originating from XXXX XXXX XXXX 
( Reference Account Number : XXXX or similar variation ). 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am exercising my right to request full validation of this debt, including but not limited to : 1. A copy of the original contract or agreement bearing my signature.

2. A full itemization of the alleged charges.

3. Verification that you are legally authorized to collect on this debt.

4. Proof of the chain of custody/assignment from the original creditor ( XXXX ) .

Until you provide the required validation : Cease all collection activities, including phone calls, written communications, and reporting to credit bureaus as required by 15 U.S.C. 1692g ( b ).

This letter serves as a formal notice under 15 U.S.C. 1692c ( c ) that you are to cease and desist all further contact with me, except for providing proper validation of the alleged debt.

Be advised that reporting inaccurate or unverified information to any credit reporting agency while this debt remains in dispute may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA and may be grounds for legal action.

I also request that any future communication regarding this matter be done in writing only to the address listed above.

Thank you for your compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting and Failure to Maintain Accurate File Information Equifax, Experian, TransUnion To Whom It May Concern, I am submitting this formal complaint against the nationwide consumer reporting agenciesEquifax, Experian, and TransUnionfor violations of the Fair Credit Reporting Act ( FCRA ) in relation to the accuracy of both my personal information and tradeline reporting. 

After reviewing my credit report through XXXX, I identified multiple errors that require immediate reinvestigation and correction. These errors fall under the provisions of 15 U.S.C. 1681e ( b ), 1681g, and 1681i ( a ), which mandate that credit bureaus ensure maximum possible accuracy, conduct good-faith reinvestigations, and provide full file disclosures upon request. 

Summary of Disputed Issues : Inaccurate Personal Information : Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer : XXXX XXXX  Incorrect Employer : XXXX XXXX  These entries are either outdated, unverifiable, or entirely inaccurate. Their continued inclusion on my credit file presents a risk to my reputation and violates FCRA obligations to maintain accurate identifying information. 

Inaccurate Tradelines ( Closed/Paid Late Payments Reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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  These accounts report late payments that are either inaccurate or unverifiable. If any component of the tradeline ( balance, status, payment history, date opened, or remarks ) is found to be unverifiable or incorrect, the item must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

Legal Violations and Failure to Comply with FCRA Obligations : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy. 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable and good-faith
reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a method of verification within 15 days of request.

15 U.S.C. 1681g Failure to provide a full file disclosure upon consumer request.

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 2025-07-23 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: MI

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting and Failure to Maintain Accurate File Information Equifax, Experian, TransUnion To Whom It May Concern, I am submitting this formal complaint against the nationwide consumer reporting agenciesEquifax, Experian, and TransUnionfor violations of the Fair Credit Reporting Act ( FCRA ) in relation to the accuracy of both my personal information and tradeline reporting. 

After reviewing my credit report through XXXX, I identified multiple errors that require immediate reinvestigation and correction. These errors fall under the provisions of 15 U.S.C. 1681e ( b ), 1681g, and 1681i ( a ), which mandate that credit bureaus ensure maximum possible accuracy, conduct good-faith reinvestigations, and provide full file disclosures upon request. 

Summary of Disputed Issues : Inaccurate Personal Information : Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer : XXXX XXXX  Incorrect Employer : XXXX XXXX  These entries are either outdated, unverifiable, or entirely inaccurate. Their continued inclusion on my credit file presents a risk to my reputation and violates FCRA obligations to maintain accurate identifying information. 

Inaccurate Tradelines ( Closed/Paid Late Payments Reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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  These accounts report late payments that are either inaccurate or unverifiable. If any component of the tradeline ( balance, status, payment history, date opened, or remarks ) is found to be unverifiable or incorrect, the item must be deleted under 15 U.S.C. 1681i ( a ) ( 5 ).

Legal Violations and Failure to Comply with FCRA Obligations : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy. 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable and good-faith
reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a method of verification within 15 days of request.

15 U.S.C. 1681g Failure to provide a full file disclosure upon consumer request.

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 2025-07-23 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: AR

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX AR XXXX XXXX * Balance : {$100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} GREENDOTBANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7200.00} SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: AR

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX AR XXXX XXXX * Balance : {$100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} GREENDOTBANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7200.00} SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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