vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: UT

Complaint narrative:
I am writing to complain about Transunion 's willful noncompliance to investigate disputed items. The reasons for this dispute are as follows : Violation of FCRA Sections 1681e ( b ) and 1681i ( a ) : Under the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ), you are legally obligated to ensure that all information in my credit report is accurate, complete, and verifiable. Recent lawsuits against both XXXX XXXX XXXX  have proven that your company has failed to meet these obligations. I am holding you responsible for failing to follow reasonable procedures to assure maximum possible accuracy in the reporting of my information. 
1.

Failure to Verify and Investigate Properly : The accounts listed above are either inaccurate or unverifiable. Section 1681i of the FCRA requires you to investigate any disputed item within 30 days of receipt of this letter. If you can not verify these accounts or if they do not meet the legal standards for reporting, they must be removed immediately from my credit report.

2. 
Recent Legal Action and Non-Compliance : In light of the recent lawsuits where XXXX XXXX XXXX were found to be in violation of the FCRA by failing to ensure the accuracy of credit reports, I am demanding immediate action. Your failure to properly verify and investigate these accounts is unacceptable, and I will not tolerate the continued presence of inaccurate information on my credit file.

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 2025-05-27 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: NC

Complaint narrative:
In accordance with Fair Credit Reporting Act, 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, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
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 168b permissible purposes of consumer reports. 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. 

ACCOUNT NAME : XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency XXXX make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: MI

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 explanation
Consumer complaint received 2025-05-27 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general.- The term " consumer report '' means an written. oral. or other communication of an information b a consumer reportina agency bearing on a consumer 's credit worthiness. credit standina. credit capacitv. character. general reputation. personal characteristics. or mode of living which is used or expected to be used or collected in whole or in part for the purpose of servina as a factor in establishina the consumer 's eliaibilitv for- ( A ) credit or insurance to be used primarilv for dersonal, familv. or household burboses : ( B ) emblovment puroses : or ( C ) any other purpose authorized under section 1681b of this title.

FICO or non of its factors are not defined or included in the definition of the Consumer.in 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 2025-05-27 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: IL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-27 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: CO

Complaint narrative:
The two credit union of colorado were filed under my XXXX XXXX  XXXX they are reporting it as closed in 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The two credit union of colorado were filed under my XXXX XXXX  XXXX they are reporting it as closed in 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 2025-05-27 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: UT

Complaint narrative:
I am writing to complain about Equifax 's willful noncompliance to investigate disputed items. 
I am also aware of the recent lawsuit between the Consumer Financial Protection Bureau ( CFPB ) and Equifax, which highlights issues with improperly handled disputes. I would like to give you the opportunity to address this matter correctly before I consider escalating the issue further. 
Here is what I am requesting : Provide a Clear Method of Verification ( MOV ) : The name and contact information of the party who verified these accounts. 
1.

1 of 2 A detailed description of the steps you took during the investigation process.

Copies of all documentation or evidence used to verify these accounts.

Delete the Accounts if Verification Can not Be Provided : If you are unable to properly verify any of the accounts, I request that they be promptly removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TN

Complaint narrative:
All information is wrong and not on my report in a credit writing

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I XXXX XXXX, Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB comolaint I been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 ; 1. XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX Date of Inquiry : XX/XX/XXXX XXXX. AUTORIGHTA Date of Inquiry : XX/XX/XXXX XXXX. XXXX  Date of Inquiry : XX/XX/XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent raud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number is proof from the US Federal Trade Commission that all of the aforementioned consumer credi accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry I did not authorize that appears to result from fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent. 
Please remove the following inquiry :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union constantly charge me overdraft fees knowing I didnt have the money in my account for the purchases that were coming out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX  account that has been inaccurately and repeatedly reinserted onto my credit report without proper notice or validation, in violation of the Fair Credit Reporting Act. 

I first disputed the account around XXXX XXXX, and it was removed from my credit report. However, the same collection account reappeared again sometime between XXXX XXXX, which I disputed a second time. It was removed again. 

Most recently, in XX/XX/XXXX, the same debt was re-reported this time under a different collection agency and it is now appearing again as a derogatory mark. I have since disputed it for the third time, and it remains on my report. 

This debt, which stems from a {$430.00} XXXX bill, has never been properly validated or substantiated by the collection agencies reporting it. I have never received written notification of the debts re-reporting, which is required under the FCRA when a collection account is reinserted after a previous removal. 

The repeated removal and reinsertion of this item, especially without notification, is unfair and damaging to my credit, particularly as I am actively seeking business funding and loan pre-qualification. I am requesting a full investigation and permanent deletion of this account from all three credit bureaus due to repeated mishandling, lack of proper validation, and failure to comply with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion XXXX XXXX XXXX and XXXX Equifax reporting XXXX block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately Collections XXXX. XXXX XXXX Services {$1000.00} XXXX. XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$10000.00} Charge-Off Accounts XXXX {$760.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$10000.00} XXXX XXXX {$5000.00} XXXX XXXXXXXX {$5400.00} XXXX XXXX  {$1400.00} XXXX  {$8000.00} XXXX XXXX {$17000.00} XXXX CARD {$2300.00} XXXX XXXX {$1700.00} These XXXX have resulted in several fraudulent collections appearing on my consumer XXXX XXXX reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Climb Credit Inc.
State: GA

Complaint narrative:
Subject : Request for Original Promissory Note or Removal of Accounts from Consumer Report This letter is a formal request regarding the student loan debt ( s ) that you have reported on my consumer credit report. Please be advised that this is NOT a refusal to pay but a request sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I am disputing the validity of the alleged debt ( s ), and I am requesting proper validation. 

This is NOT a request for mere verification of my mailing address or other peripheral information, but a formal demand for competent evidence that establishes my legal obligation to pay this debt and the right of your office to report it to consumer reporting agencies. 

Specifically, I request the following : Account Information : Account Name : CLIMB Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Proof of Debt : I respectfully demand that you provide a copy of the original wet-ink promissory note or other documents that serve as the foundation of the alleged debt ( s ) you claim I owe. The absence of such documentation violates my rights under the FCRA, FDCPA, and any applicable state laws. You must provide evidence proving your legal authority to report this debt. 

Failure to Provide Proof : Should you be unable to furnish the original promissory note or other valid documentation within 30 days from receipt of this letter, I request that you immediately cease reporting this account to any and all consumer credit reporting agencies and remove it from my credit file. The continued reporting of unsubstantiated debts is a violation of the FCRA and may also constitute fraud. If no response is received within the 30-day window, I will pursue all available legal actions to ensure compliance.

Correction of Consumer Report : If your office decides to remove the accounts from my report, I request written confirmation of this removal, along with written verification from the credit bureaus that the accounts have been deleted.

Further, this letter serves as a Formal Notice under the Family Educational Rights and Privacy Act ( FERPA ) : The unauthorized disclosure of my student loan-related information to consumer reporting agencies without my written consent may also be a violation of FERPA. I have not provided consent for such disclosure. Therefore, I demand immediate cessation of reporting and removal of all student loan-related accounts from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries that I have found due to identity theft. I attached my identity theft report as well. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 non-monetary relief