vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
TRANSUNION WILLFULLY AND KNOWINGLY, are Violating my rights. 
They removed a fraud account in XXXX XXXX ( XXXX ) that did not belong to me. 
Then they later reinserted it a month later. WITHOUT proper reasoning and proof of verification etc. 


In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. 
Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Please furnish me with copies of any and all such certification.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. 
Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, this fraudulent account in which i never gave written instructions to anyone to open or report in my name, has violated my rights.

Negligence and Willful Non-compliance. 
I am prepared to SUE all parties involved. All Actual, Statutory and Punitive damages will be enforced. *Up to but not limited to {$1000.00} usd per month per illegal reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: MO

Complaint narrative:
Subject : **Dispute of Bankruptcy Public Record & Monetary Settlement Demand** Dear Experian, I am writing to formally dispute the **XXXX XXXX bankruptcy** listed on my credit report. The information reported is **inaccurate, unverifiable, and non-compliant** with **Metro 2 guidelines** and the **Fair Credit Reporting Act ( FCRA ) **. 

XXXX XXXX XXXX XXXX Bankruptcy Reporting is Unverifiable ( FCRA 1681e ( b ), 1681i ( a ) ( 5 ) ( A ) ) ** According to the **FCRA**, credit reporting agencies ( CRAs ) must ensure the information they report is **verified and accurate**. **Bankruptcy courts do not furnish information to credit bureaus**they only maintain records. Since Experian did not obtain the bankruptcy record **directly from the court**, this entry **must be deleted immediately**. 

# # # **2. Metro 2 Compliance Failures** The following compliance failures exist in the reporting of the bankruptcy : | **Field** | **Violation** | **e-OSCAR Code** | | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- | -- -- -- -- -- -- -- -- -- | | Source of Bankruptcy | No direct court verification | 001 Data Source Invalid | | ECOA Code ( Field 16 ) | Missing or incorrect classification | 008 Incorrect ECOA | | Compliance Condition ( Field 19 ) | Improperly coded public record | 019 Compliance Code Error | | Date of Filing | Inaccurate or unverifiable | 007 Date Mismatch | | Public Record Validation | No official court source listed | 029 Invalid Public Record | | Date of First Delinquency | Mismatch with court records | 014 DOFD Mismatch | | Consumer Information Indicator | Incorrect bankruptcy status | 013 Incorrect Consumer Status | # # # **3. Legal Grounds for Immediate Deletion** - **FCRA 1681e ( b ) ** : Requires CRAs to maintain **maximum accuracy**.

- **FCRA 1681i ( a ) ( 5 ) ( A ) ** : If Experian ** can not verify** the bankruptcy with the **original furnisher ( the court itself ) **, it must be **deleted**.

- **Metro 2 Compliance** : Experians **failure to adhere to CDIA ( Consumer Data Industry Association ) Metro 2 guidelines** is a **violation** of the **FCRA**.

# # # **4. Demand for Deletion & Monetary Compensation** Due to these violations, I am demanding : 1. **Immediate deletion** of the bankruptcy from my Experian credit file.

2. **Monetary settlement of $ 10,000** for willful and negligent non-compliance under **FCRA 1681n** and ** 1681o**.

If this matter is not resolved within **15 days**, I will escalate this complaint and take legal action. ** Please provide written confirmation of the deletion at your earliest convenience. 

Sincerely, **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 2025-03-23 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-23 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-23 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$7700.00} & XXXX XXXX XXXX Balance : {$8100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Re : Dispute of Debt Allegedly Owed to LVNV Funding Dear Sir or Madam, I am writing to formally dispute a debt that is being reported by LVNV Funding. I have received notice from them stating that I owe a debt, however, I do not believe that I am responsible for the alleged debt, nor do I have any documentation or records supporting this claim. 

Here are the details of the debt in question : Collection Agency Name : LVNV Funding Account Number ( if available ) : Unknown Amount Allegedly Owed : {$760.00} {$460.00} Date of Debt : XX/XX/XXXX and XX/XX/XXXX Original Creditor ( if applicable ) : Unknown I have attempted to resolve this matter with LVNV Funding, but to date, I have not received sufficient evidence or documentation to substantiate this debt. I have also not received any communication from the original creditor regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Ally financial have a put a late payment on my account and its not late because XXXX is not over yet I have a late payment for XXXX I have proof that im pay up XXXX and XXXX is still do it's a joint account and its want that on there account im asking could u please change my payment to never late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed by " Chase '' coming from a number registered as a Chase # : XXXX on XX/XX/XXXX, XXXX EST. They claimed that someone had tried to make XXXX payments and open an account in my name. Then they stated that in order to verify the account I needed to make a direct deposit to a certain account ( which I assumed was a dummy account for Chase to verify fraud ). Unfortunately it did not scream scam to me for some reason, again because I thought it may be a dummy account. 

They wanted me to send {$15000.00} to : Name : XXXX XXXX XXXX XXXX XXXX account number : XXXX ; Scam routing : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: FL

Complaint narrative:
I did an income driven and loan forgiveness. Never received any notice about {$65.00} monthly my income driven amount was {$0.00} .. XXXX theyre reporting in 90 days late has dropped my credit down tremendously.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/scrub>, 2025, a validation of debt letter requesting the original agreement, including the name and address of original creditor was requested in accordance with Fair Debt Collection Act Practices 15 U.S. code $ 1692g ( Validation of Debts ). Company failed to provide this information. According to 12CFR 1006.34, this law has been violated. No disclosures or communication related to 1006.42 has been received. I am requesting that this account be closed and removed promptly from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-03-23 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: GA

Complaint narrative:
I am submitting this complaint to the consumer financial protection bureau regarding, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting ACT 605B ( 15 U.S.C 1681 C-2 ), I request the removal of fraudulent information from my credit report that has resulted from my identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. 

XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$5700.00} XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$1200.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Account Number : XXXX Balance : {$470.00} These accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounted, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safeguarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of these steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Upon viewing my credit report I have noticed several errors and inconsistencies on my consumer report. I have substantial doubt and I would like to have my account updated as paid instead of being late. 
( MyXX/XX/XXXX ) account shows 30days late for XXXX on Equifax when other 2 bureaus show current for XXXX. 
( My XX/XX/XXXXXXXX ) account shows 30 days late for XXXX on Equifax when other 2 bureaus show current for XXXX. 
( My XX/XX/XXXX ) account shows 30 days late for XXXX on Equifax when other 2 bureaus shows current. 
( MyXX/XX/XXXX ) account shows 30 days late for XXXX & 60 days late for XXXX which is not accurate with the other 2 bureaus

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 2025-03-23 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: IL

Complaint narrative:
Upon viewing my credit report I have noticed several errors and inconsistencies on my consumer report. I have substantial doubt and I would like to have my account updated as paid instead of being late. 
( MyXX/XX/XXXX ) account shows 30days late for XXXX on Equifax when other 2 bureaus show current for XXXX. 
( My XX/XX/XXXXXXXX ) account shows 30 days late for XXXX on Equifax when other 2 bureaus show current for XXXX. 
( My XX/XX/XXXX ) account shows 30 days late for XXXX on Equifax when other 2 bureaus shows current. 
( MyXX/XX/XXXX ) account shows 30 days late for XXXX & 60 days late for XXXX which is not accurate with the other 2 bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
Formal Dispute of Federal Student Loan Obligation Due to Administrative Transfer To Whom It May Concern, I am writing to formally dispute the enforceability of my federal student loan agreement on the basis of a **material alteration to the original contract**.

According to the terms outlined in my promissory note, my loan was issued and administered by the **U.S. Department of Education** . Recent federal action has eliminated or reassigned the Departments responsibilities, with the **Small Business Administration ( SBA ) ** now serving as the managing entity.

This constitutes a **substantial and unilateral alteration of the agreed-upon terms**, materially changing the administrative authority, servicing infrastructure, and potentially the regulatory protections outlined under the original contract.

As such, I dispute the continued enforceability of this obligation under its current structure.

I am requesting that this loan be formally reviewed for discharge, cancellation, or legal reevaluation due to the change in administering agency.

Please respond in writing with your position and any available dispute resolution options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
In XX/XX/year>2023 my wife and I had a miscommunication about the payment of our home tax bill. Unknowingly be both paid the bill, my wife in person by check and my self online via credit card. I thought that would be an easy fix but the XXXX stated to me that they use a third party to process credit cards so they had no way to refund me and that I would simply have to go through my credit card company to have the charge returned. I filed the dispute with Goldman Sachs but it was not resolved in my favor. Ive resubmitted it several times to no avail. Ive continually checked back in with the merchant and they informed me that they have not been in contact with any one regarding my issue.

Company response to consumer: Closed with monetary relief