vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE ACCOUNT REPORTING VIOLATION OF FCRA AND FDCPA Dear Credit Bureau, I am writing to formally demand the immediate removal of the inaccurate and derogatory XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX  ) listed on my credit report. This account appears as a collection/charge-off, with a balance of {$800.00}, which I dispute in its entirety. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), you are legally obligated to conduct a full reinvestigation of any disputed information within 30 days of receipt. You are also required under Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to ensure maximum possible accuracy of the information you report. 

Reasons for Dispute and Demand for Deletion : Inaccuracy Across Bureaus : The account shows differing data among Experian, Equifax, and TransUnion ( e.g., status marked " Open '' with Equifax, " Collection/Chargeoff '' with others ). This inconsistency violates FCRA standards for uniform and accurate reporting. 

Failure to Validate Debt : This debt has not been properly validated under 15 U.S.C. 1692g of the FDCPA. The reporting entity must provide verifiable proof that I owe this debt and that it was assigned to a collection/charge-off status lawfully.

Dispute Not Handled in Good Faith : Your report indicates Dispute resolved ; customer disagrees or similar language. This shows you acknowledge my prior dispute, yet you continue to furnish unverified and misleading data.

Re-aging of Debt : The date of last activity and reporting appears manipulated to keep this negative item on my report longer than legally permissible. This is a direct violation of FCRA guidelines. 

DEMAND FOR ACTION : I am invoking my rights under the FCRA and FDCPA and demand the following : Immediate deletion of the XXXX account from all three credit bureaus. 

A full investigation into this account, with supporting documentation. 

Written confirmation of deletion within 15 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider taking legal action for damages under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, attorneys fees, and punitive damages for willful noncompliance. 

This letter shall serve as formal notice of dispute. Govern yourselves accordingly. 

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 2025-05-20 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: NJ

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE ACCOUNT REPORTING VIOLATION OF FCRA AND FDCPA Dear Credit Bureau, I am writing to formally demand the immediate removal of the inaccurate and derogatory XXXX account ( Account # : XXXX XXXX XXXX XXXX XXXX  ) listed on my credit report. This account appears as a collection/charge-off, with a balance of {$800.00}, which I dispute in its entirety. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), you are legally obligated to conduct a full reinvestigation of any disputed information within 30 days of receipt. You are also required under Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to ensure maximum possible accuracy of the information you report. 

Reasons for Dispute and Demand for Deletion : Inaccuracy Across Bureaus : The account shows differing data among Experian, Equifax, and TransUnion ( e.g., status marked " Open '' with Equifax, " Collection/Chargeoff '' with others ). This inconsistency violates FCRA standards for uniform and accurate reporting. 

Failure to Validate Debt : This debt has not been properly validated under 15 U.S.C. 1692g of the FDCPA. The reporting entity must provide verifiable proof that I owe this debt and that it was assigned to a collection/charge-off status lawfully.

Dispute Not Handled in Good Faith : Your report indicates Dispute resolved ; customer disagrees or similar language. This shows you acknowledge my prior dispute, yet you continue to furnish unverified and misleading data.

Re-aging of Debt : The date of last activity and reporting appears manipulated to keep this negative item on my report longer than legally permissible. This is a direct violation of FCRA guidelines. 

DEMAND FOR ACTION : I am invoking my rights under the FCRA and FDCPA and demand the following : Immediate deletion of the XXXX account from all three credit bureaus. 

A full investigation into this account, with supporting documentation. 

Written confirmation of deletion within 15 days of receiving this letter. 

If this matter is not resolved promptly, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office. I will also consider taking legal action for damages under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, attorneys fees, and punitive damages for willful noncompliance. 

This letter shall serve as formal notice of dispute. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NJ

Complaint narrative:
I have disputed an inaccurate tradeline reported by XXXX XXXX XXXX to Experian on multiple occasions. Experian continues to report that I was XXXX and 60 days late in XXXX and XX/XX/year>, despite the fact that I had no contractual obligation to make payments during those months. These entries are factually incorrect, and I have repeatedly requested verification under XXXX XXXX. XXXX ( XXXX ). 

Experian has not provided any documentation showing I was responsible for any payments during the reported periods. Despite my clear evidence, they have verified the information without a meaningful investigation, which violates their obligation under 15 U.S.C. 1681i ( a ) to conduct a reasonable reinvestigation.

I have now submitted a final dispute letter demanding deletion of the inaccurate data and requesting proof of the original contract or terms requiring payments in the months reported. Failure to respond or correct the record demonstrates noncompliance with 1681e ( b ) ( requiring accurate reporting ) and 1681i ( 5 ) ( requiring deletion of unverifiable information ). 

There is a critical difference between being late on a payment and being XXXX or 60 days delinquent. A XXXX or XXXX late payment is a formal derogatory mark that can only be reported if I was at least XXXX or XXXX full days past the agreed-upon due date under a valid contract. Since I had no such obligation during the months or any other reported, this negative reporting is both factually inaccurate and legally indefensible under the FCRA. 

Experians ongoing inaction and poor investigation practices have caused significant harm to my credit profile and financial standing.

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 2025-05-20 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: NY

Complaint narrative:
As I was reviewing my credit profile I had seen quite a few inquiries that did not belong to me.

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 2025-05-20 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: MS

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 explanation
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am filing a formal FCRA complaint against TransUnion for failing to conduct a lawful reinvestigation and continuing to report false and materially misleading information related to the XXXX ( XXXX XXXX  XXXX account ending in XXXX. This account is listed on my TransUnion credit file as a XXXX XXXX with a \ {$0.00} balance. I have never paid this debt. TransUnions own report shows the debt was sold to another entity ( Purchased by Another Lender ), yet no new creditor is identified, and the pay status is factually incorrect. 

On XX/XX/XXXX, I sent a certified Method of Verification ( MOV ) request demanding documentation of how TransUnion verified this account. I received no response. On XX/XX/XXXX, I sent a follow-up dispute and deletion demand directly to TransUnions compliance department, giving them 10 days to delete or provide the verification documents. XXXX tracking confirms it was received on XX/XX/XXXX. As of today, XX/XX/XXXX, TransUnion has not responded and continues to report the tradeline with multiple inaccuracies. 


Violations Committed : FCRA 1681e ( b ) : Reporting materially inaccurate information ( Paid Collection when no payment was made ; contradictory status codes ; missing purchaser identity ) FCRA 1681i ( a ) ( 1 ) ( A ) : Failing to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 5 ) : Failing to delete or modify unverifiable information FCRA 1681g ( c ) : Failing to provide the method of verification after a lawful MOV request FCRA 1681g ( a ) ( 1 ) : Failing to disclose the identity of the current creditor ( XXXX ) FCRA 1681c ( a ) : Improperly resetting or re-aging the Date of Last Activity ( showing XX/XX/XXXX despite last payment being in XXXX ) FCRA 1681n : Willful noncompliance with statutory obligations Pattern of Noncompliance : This conduct reflects a broader pattern of disregard for FCRA obligations. In XXXX, the CFPB fined TransUnion \ {$15.00} XXXX for deceptive practices, including failure to correct errors and violating dispute resolution rules. TransUnions continued refusal to honor certified MOV requests and verify or delete demonstrably false tradeline data reflects the same systemic misconduct.

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: NC

Complaint narrative:
I have a deposit of {$50.00} and XXXX XXXX  fee for deposit from my earnings of my bank account. My account transfer did not go through and I was finalized in the payment to receive these funds for bank withdrawals. But after finishing the account task with XXXX XXXX earned income. I have a balance unpaid directly. So I want to set up a claim with the merchant and refund the balance as unauthorized access to transfer deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I am filing this complaint because Experian continues to report an XXXX XXXX authorized user account on my credit file, even though the account is closed and no longer associated with me. 

I have submitted multiple disputes to Experian both online and in writing and each time they have responded that the account was " verified. '' However, I provided clear documentation from XXXX XXXX, including a letter stating : The account is an authorized user account ( not a primary account ) The card is no longer active It is no longer associated with the primary cardholder XXXX only reports positive history and the information is a snapshot at the time of cancellation Both XXXX XXXX XXXX  removed this same account from my credit reports based on the same documentation. 

Despite all this, Experian refuses to remove the account or provide any legitimate basis for its continued reporting. They have not provided any signed documentation proving I am responsible for the debt or that this account should remain under my name. 

Their continued reporting of this closed and unauthorized account is causing harm to my credit profile and violates the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to correct or delete information that is inaccurate, incomplete, or unverifiable.

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 2025-05-20 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: WA

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-20 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: DC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date : XX/XX/XXXX Exeter Finance LLC XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Unfulfilled Document Request and Potential FCRA Violation To Whom It May Concern, I am writing to formally express my concern regarding a recent issue I encountered when contacting Exeter XXXX on XX/XX/XXXX, via phone. During this call, I requested copies of all my approved extension documents covering the period from XX/XX/XXXX through XX/XX/XXXX. 
Despite the passage of time and multiple efforts on my part, I have not received these documents. Furthermore, these documents have not been made accessible through your online portal, which I was informed should contain such records. I have made repeated attempts to locate the documents online but have not been successful. 
During my most recent call, I was questioned by your representative as to why I was requesting these documents, which is both inappropriate and irrelevant to my legal right to access information related to my own account. I explained that I have never received the requested documents and that they are essential for my personal financial records and verification. 
Under the Fair Credit Reporting Act ( FCRA ), Section XXXX, I have the right to receive information in my file from a consumer reporting agency, including any relevant account documentation. Failing to provide requested records pertaining to account modifications, such as extension agreements, may constitute noncompliance with the FCRA, especially if such information is being reported to credit bureaus and is not made available for review and verification by the consumer. 
I am formally requesting that Exeter Finance provide copies of all requested and approved payment extension documents from XX/XX/XXXX to XX/XX/XXXX without further delay. I also request written confirmation that these records are maintained and available as required. 
If this matter is not resolved within XXXX business days, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Please treat this matter with the urgency and professionalism it requires. I expect a timely written response to this letter, confirming the status of my request. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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