vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: TN

Complaint narrative:
I am filing this complaint due to inaccurate and potentially unlawful negative information being reported on my credit file by several furnishers and collection agencies, including but not limited to XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts reflect late payments, derogatory reporting, and collections that I do not recognize, dispute, or that were not validated according to law. 

Specifically, XXXX XXXX XXXX has listed a collection on behalf of XXXX XXXX  without providing any proper validation of debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received a signed agreement or documentation verifying the debts accuracy, ownership, or amount. 

Furthermore, the late payments and derogatory marks reported by XXXX XXXX XXXX are inconsistent with my records, were resolved years ago, and are no longer relevant or timely under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, which limits the reporting of negative information to 7 years.

The failure to report accurate and verifiable information violates : FCRA 1681s-2 ( a ) Duty of furnishers to provide accurate information FCRA 1681i ( a ) Failure of credit bureaus to conduct a proper reinvestigation FDCPA 809 ( b ) Validation of debts required upon dispute FTC XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Agencies must investigate when provided notice of dispute XXXX XXXX Trans Union CorpXXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Bureaus must do more than a superficial investigation I am requesting a full investigation and the immediate removal of these inaccurate and unverified accounts from all consumer credit reports. The presence of this information is harming my creditworthiness, and the failure to correct or remove it may constitute willful noncompliance under FCRA 1681n and 1681o, making the entities involved liable for actual and statutory damages.

I reserve the right to pursue legal action if this issue is not promptly resolved and request the FTCs assistance in ensuring these violations are addressed and my consumer rights protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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 List of Unauthorized Inquiries : 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 2025-07-13 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, MI XXXX ), Under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as an official Cease and Desist demand that TransUnion immediately and permanently remove the following items from my Despite these items being fraudulent and harmful, they are still being reported. I am requesting the CFPB to investigate and enforce removal I have already sent dispute and cease-and-desist letters directly to TransUnion, but no corrective action has been taken. These inaccurate records are hurting my credit and preventing me from rebuilding my life. 

I am asking the CFPB to force TransUnion to conduct a proper reinvestigation and permanently delete all fraudulent inquiries and the closed student loan account. I also request written confirmation from TransUnion once these removals are complete. 

Thank you for your immediate assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX Email : XXXX Phone : 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 2025-07-13 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : DP OF EDUC XXXX XXXXXXXX XXXX XXXX  - Date Opened XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
On XX/XX/year> I mailed a formal dispute and debt validation request to the company via certified mail. As of today, I have not received any valid response, documentation, or proof of alleged debt. The company has failed to provide : A copy of the original signed agreement. 
Itemized billing history or balance Proof of ownership and the legal right to collect Verification that the reporting is accurate and compliant with FCRA.

The account remains on my credit report, and in some cases, two different companies, original creditor and collector are reporting different balances at the same time. This a clear violation of my rights under the FCRA and FDCPA, and I am requesting immediate investigation, removal of the unverifiable item, and enforcement action if appropriate. 
Instead on XX/XX/year> I received a generic letter from XXXX acknowledging the inquiry but providing no validation, no original signed agreement, and no supporting documents proving their right to collect the debt. This violates both FDCPA 809 ( b ) and FCRA 623 obligations. 

Furthermore this account is still be reported on my credit report, even though it has not been properly validated. To make matters worse, XXXX XXXX  is also reporting the same account, which causes conflicting and inaccurate data to be reported. This damaging my credit and is clear example of unlawful and unverified reporting. I am requesting this account be immediately removed from all credit bureaus due to failure to validate and inaccurate reporting. Please investigate and take enforcement action if necessary.

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Formal Request for Removal of Negative Items and Hard Inquiries under XXXX U.S.C. XXXX ( c ) To Whom It XXXX Concern : I am writing to formally dispute and request the immediate removal of certain negative items and unauthorized XXXX  inquiries currently listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX ( c ), I am exercising my right to request that these items be removed or validated. 

Specifically, this section of the FDCPA outlines the consumers right to limit communications and correct information that is either inaccurate or unverifiable. In accordance with this law, I am requesting that your agency : XXXX full validation of each disputed negative item and XXXX  inquiry as required by federal law. 
XXXX any item or inquiry that can not be verified with original documentation directly from the creditor or furnisher. 
XXXX and desist from reporting any unverifiable or inaccurate information moving forward. 

Please note that any negative item or inquiry that can not be properly validated within XXXX  days must be removed from my credit file immediately, as required under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

Please respond to this request in writing and confirm whether these items have been removed or what documentation you are relying on to continue reporting them. I am also requesting that all future communication be conducted via mail to maintain a clear record of correspondence. 

Failure to respond to this notice or verify these accounts in accordance with federal law will be interpreted as your inability to validate the disputed items and will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly civil action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXccount number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-07-13 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXXccount number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-07-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this as a follow-up to my previous CFPB complaint ( XXXX XXXXXXXX ), XXXX XXXX  XXXX ), ( XXXX ) originally submitted on XX/XX/XXXX. 

Despite receiving notice that the complaint was sent to the bureaus on XX/XX/XXXX, I have not received a formal response or verification of any of the disputed accounts within the XXXX window, as required by the Fair Credit Reporting Act ( FCRA ) under XXXX. 

Since my initial complaint, Equifax removed the XXXX XXXX collection, indicating that an investigation was performed yet no documentation or summary of findings was provided, in violation of my rights under federal law. 

Meanwhile, other disputed items remain on my reports with no proof of investigation, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} collection XXXX XXXX XXXXXXXX delinquency ( despite {$0.00} balance ) XXXX  marked XXXX days late, XXXX XXXX XXXX reported late payments XXXX XXXX documentation In addition, several XXXX  inquiries are still being reported that were never authorized by me in writing as required by FCRA XXXX ( c ), including : XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  ( various dates ) XXXX XXXX ( XX/XX/XXXX ) There is also personal information that is on my credit profile that are not accurate and need to be removed. 

XXXX XXXX XXXX is my name XXXX XXXX XXXX, XXXX, Texas XXXX is my only address. 
I am unemployed so no past employers should be present. 
XXXX is my only phone number. 

I request the following : XXXX. A written explanation and documentation verifying each account and inquiry ; or XXXX. Immediate deletion of all remaining unverifiable accounts and inquiries If no formal response is provided within XXXX  days of this follow-up, I will consider filing a complaint with the FTC and XXXX legal aid for possible FCRA violations XXXX XXXX ( a ) and 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 2025-07-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this as a follow-up to my previous CFPB complaint ( XXXX XXXXXXXX ), XXXX XXXX  XXXX ), ( XXXX ) originally submitted on XX/XX/XXXX. 

Despite receiving notice that the complaint was sent to the bureaus on XX/XX/XXXX, I have not received a formal response or verification of any of the disputed accounts within the XXXX window, as required by the Fair Credit Reporting Act ( FCRA ) under XXXX. 

Since my initial complaint, Equifax removed the XXXX XXXX collection, indicating that an investigation was performed yet no documentation or summary of findings was provided, in violation of my rights under federal law. 

Meanwhile, other disputed items remain on my reports with no proof of investigation, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} collection XXXX XXXX XXXXXXXX delinquency ( despite {$0.00} balance ) XXXX  marked XXXX days late, XXXX XXXX XXXX reported late payments XXXX XXXX documentation In addition, several XXXX  inquiries are still being reported that were never authorized by me in writing as required by FCRA XXXX ( c ), including : XXXX ( XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  ( various dates ) XXXX XXXX ( XX/XX/XXXX ) There is also personal information that is on my credit profile that are not accurate and need to be removed. 

XXXX XXXX XXXX is my name XXXX XXXX XXXX, XXXX, Texas XXXX is my only address. 
I am unemployed so no past employers should be present. 
XXXX is my only phone number. 

I request the following : XXXX. A written explanation and documentation verifying each account and inquiry ; or XXXX. Immediate deletion of all remaining unverifiable accounts and inquiries If no formal response is provided within XXXX  days of this follow-up, I will consider filing a complaint with the FTC and XXXX legal aid for possible FCRA violations XXXX XXXX ( a ) and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bridgecrest Acceptance Corporation
State: CT

Complaint narrative:
Re : Account Name : BRIDGECREST Account XXXX XXXXXXXX Amount : {$6700.00} Legal Basis for My Dispute and Demand for Removal : 15 U.S. Code 1681s2 ( a ) This statute limits the responsibilities of furnishers of information to provide only accurate data. If any repossession was reported without proper verification or due process, it must be removed immediately.

12 CFR 1006 ( Regulation F ) This regulation under the CFPB restricts how debt collectors may communicate and report information. If any repossession or related collection account was placed on my report without full validation of the debt, it constitutes a violation.

12 CFR Part 1022 ( Regulation V ) This governs the accuracy and integrity of data furnished to credit bureaus. If the repossession was not properly validated or lacks complete documentation, it can not lawfully remain on my credit file.

UCC 9-609 and 9-610 Under the Uniform Commercial Code, a secured party must follow specific procedures before and after repossessing collateral, including proper notice and commercial reasonableness in the disposition. If these procedures were not strictly followed, the repossession is legally invalid and can not be lawfully reported.

Dispute and Request for Immediate Action : I demand the immediate deletion of all repossession entries from my credit report across XXXX XXXX XXXX XXXX, including any associated collection accounts, as they are : Not verified with full documentation ; Reported without legal standing or compliance with UCC and CFPB rules ; Misleading and materially harmful to my creditworthiness.

As required under 15 U.S.C. 1681i, you are obligated to investigate and resolve this dispute within 30 days. If you can not verify the accuracy and legality of the repossession ( s ) with full documentation from the original creditor, the entries must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I got a phone call back in XXXX of XXXX regarding a travel credit card " XXXX XXXX '' that was opened back in XXXX of XXXX with Barclays Bank fraudulently. They would not share any of " MY '' information that was used to open the account but requested my personal information to access the information. I called multiple times trying to ask them to close and remove this account from my Credit Report I also reported this to XXXX  and XXXX  still no resolution. I finally got a letter from Barclays XX/XX/XXXX saying the account was closed per my request and now it is in a derogatory status on my credit report. I did not apply for this card I have not received a XXXX XXXX card to even use. This is Not My Account And I want My Credit Score restored.

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 2025-07-13 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 have recently reviewed a copy of my credit report and noticed several unknown and fraudulent accounts being reported as well as some incorrect personal information. These accounts are hurting my ability to obtain credit.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been monitoring my account closely since the breach in 2017. I am in the process of cleaning up my credit and establishing new credit. I noticed that Equifax delays in adding positive factors to my credit report. I recently opened a new account to help score. The other agencies have added this account already to my report. Equifax has not added the account., However, if there is a negative factor that is reported, it is immediately documented and added. I feel that my account is personally targeted to keep my score from going up. My XXXX  XXXX  XXXX  is XXXX and equifax  is XXXX .. This is too far off to have the same information on the accounts. They only diffirence is a new credit account in good standing. Equifax blames the creditor. But creditor has reported to all XXXX bureaus. I feel that thorough investigation of certain inside agents handling my account should be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally disputing late payments reported on the following accounts : XXXX XXXX XXXX The reported late payments are inaccurate because I was never notified of the payment due dates or any missed payments by the creditors. This lack of notice prevented me from addressing the situation and violates my rights under the Fair Credit Reporting Act ( FCRA ).

Specifically : FCRA 1681e ( b ) Credit data must be accurate and complete.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report fairly and responsibly.

FCRA 1681i ( a ) Unverified or incorrect information must be deleted after a dispute.

Ive requested that Equifax contact the furnishers. If they can not prove that notice was sent before reporting the delinquency, the late marks must be permanently removed. I expect written confirmation of the results within XXXX days, per FCRA 1681i ( a ) ( 1 ) ( A ).

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