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 — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX Account # XXXX Amount : {$720.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section.

15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report.

15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within XXXX days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file.

15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute.

Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent.

Provide me with an updated and corrected copy of my credit report reflecting zero accounts within XXXX days as required by 15 U.S. Code 1681i.

Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under 15 U.S. Code 1681n and 1681o

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
RE : Account Name : XXXX XXXX XXXX Account # XXXX Amount : {$720.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section.

15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report.

15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within XXXX days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file.

15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute.

Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent.

Provide me with an updated and corrected copy of my credit report reflecting zero accounts within XXXX days as required by 15 U.S. Code 1681i.

Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under 15 U.S. Code 1681n and 1681o

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Company : TransUnion File Number : XXXX Description : I am filing a CFPB complaint against TransUnion for failing to properly update or delete charge-off entries from XXXX XXXX XXXX XXXX XXXX accounts originally charged off in XXXX. They continue to reflect monthly 'CO ' remarks and past due balances into XXXX with no proof of a repayment agreement. 

This violates : - FCRA 605 ( a ) ( 4 ) - FCRA 623 ( a ) - FCRA 611 ( a ) I demand permanent deletion of all invalid post-charge-off 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 2025-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ).

My personal information was compromised in the XXXX  data breach, and I am a confirmed victim of identity theft. I did not open or authorize the accounts listed below, and they are the result of fraudulent activity. The fraudulent accounts have caused significant harm to my credit and financial well-being. 

Once again ( My personal i lnformation was comprised in a data breach, and i have reasons to belive that the negative accounts currently reported on my credit file may bethe result of identity theft or unauthorized use of my information. This information has caused significant harm to my credit. My personal information was compromised in a XXXX  data breach. engagement number is XXXX As required under Section 605B, I have included the following : 1. A copy of my FTC Identity Theft Report, detailing the accounts fraudulently opened in my name.

2. A copy of my government-issued ID and proof of address ( if required ).

3. A list of the fraudulent accounts to be blocked and removed. 

Accounts to be Blocked and Removed : XXXX XXXX XXXX Account ending in : XXXX Fraud Discovered : XX/XX/XXXX Amount : {$3200.00} XXXX XXXX Account ending in : XXXX Fraud Discovered : XX/XX/XXXX Amount : {$200.00} XXXX Account ending in : XXXX Fraud Discovered : XX/XX/XXXX Amount : {$38000.00} Please block/remove based on identity theft report Under FCRA 605B, you are required to block all information related to the fraudulent accounts from my credit report within four ( 4 ) business days of receiving this request and the supporting documentation. 

Please send me written confirmation once these accounts have been removed. If any additional documentation is needed, feel free to contact me at the number or email above. 

Thank you for your prompt attention to this matter.

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: SC

Complaint narrative:
This account is unauthorized and it is not mine. Id like this account to be removed from my credit report.

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: SC

Complaint narrative:
This account is unauthorized and it is not mine. Id like this account to be removed from my credit report.

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 status incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
Dear Consumer Finance, I am writing regarding the 90-day late payments your company has reported to XXXX  and XXXX  for XXXX and XXXX. These reports are incorrect, as my loans were in approved deferment during this period and no payments were due. As a result of this inaccurate reporting, my credit score has dropped significantly. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to report only accurate information and to promptly correct any errors once notified. As a fair resolution, I request that you immediately remove the inaccurate late payment notations from all consumer reporting agencies, update my accounts to reflect the correct deferment status, expedite
re-reporting to XXXX  and XXXX to restore my credit standing, and provide written confirmation to me once these corrections have been completed.

Please consider this a formal dispute under the FCRA. I expect your prompt attention and resolution to this matter.

Thank you for your cooperation. I look forward to your confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CO

Complaint narrative:
This is the latest of my many complaints against XXXX an approved XXXX XXXX XXXX XXXX XXXX. 
-I can't login into my account. I have tried at least XXXX times to in the last week alone. I follow the instructions for new user name and password. I even tried while on the phone with a customer service representative of XXXX with the exact same results, I tried logging using XXXXXXXX XXXX  per their request, tried typing instead of pasting the " temporary new password ''. I was than put in contact with a different tech who told me she couldn't send me a copy of our conversation to my email. And it would take XXXX  days to address the issue After calling XXXX ( XXXX ) customer service phone line, their recorded message said my phone number was not associated with this card number, yet I receive text messages using that phone number. 

This ( XXXX ) is the only Credit Card or Debit Card that I ever used to pay my nightly motel rates ( my home ) to use my money to leave a XXXX XXXX tip to XXXX XXXXXXXX XXXX at XXXX discretion and is immediately withdrawn from my balance. 

I also was denied the full balance of my XXXX benefits direct deposit because the Monday was on a holiday and didn't show up until Tuesday. 

I also could not use my XXXX at XXXX XXXX in USBank atm and the message " invalid card '' and when I tried the next day in the lobby at the USbank atm I got the same message " invalid card ''. I was forced to talk to a teller at the USBank to get my cash withdrawal. I complained to XXXX and they sent me a new card. But I had to call XXXX to " activate '' the new card because I could not Login to my USDC account, and its obvious they haven't resolved the issue. 

This is the only card available from XXXX and XXXX wont accept my Chime checking and saving account for direct deposit. 

All I ever get from this company is its " unfortunate '' when I explain that I'm going to be " living in the parking lot '' ( for real, ) because of USBanks " waste, fraud and abuse ''

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my third request to have Experian remove the following address from my credit file. It is not an address that I have ever lived at. In fact, it does not identify a unique dwelling and is not recognized by the XXXX Postal Service. Experian has elected not to remove this record or proved the source for this address as verification. 

1. XXXX, XXXX, FL 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX, TN XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to request the immediate reinsertion of the following federal student loan accounts that were removed from my credit report in error. These accounts were not disputed as fraudulent, and their removal appears to have occurred during an identity theft investigation involving unrelated accounts.

I am currently enrolled in school, and these loans are valid, accurate, and in active deferment status. 

Please reinstate the following XXXX Department of Education loan accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These tradelines are legitimate and play a key role in my credit history. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and 605B ( e ), I am requesting these accounts be reinserted and accurately reflected in my credit report. Please provide written confirmation of the reinsertion. 

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX, TN XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To Whom It XXXX Concern, I am writing to request the immediate reinsertion of the following federal student loan accounts that were removed from my credit report in error. These accounts were not disputed as fraudulent, and their removal appears to have occurred during an identity theft investigation involving unrelated accounts. 

I am currently enrolled in school, and these loans are valid, accurate, and in active deferment status. 

Please reinstate the following XXXX Department of Education loan accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These tradelines are legitimate and play a key role in my credit history. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and 605B ( e ), I am requesting these accounts be reinserted and accurately reflected in my credit report. Please provide written confirmation of the reinsertion. 

Thank you for your prompt attention to this matter. 

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX the XXXX accessed the system without my consent or authorization. And in XXXX {$3700.00} was claim to have been offered to me for student aid. I never received these funds. These monies for this supposedly claim is being looked into by. I did speak to a female representative from this institution and she did offer me an opportunity to study and earn a degree in the arts department which at the time I told the representative that I was a young father with young children who didnt have time to study and raise my family. I got a bill for this loan and it remains on my credit report. The institution was under investigation for fraud. Since that was one of the reasons, Im looking to get this issue resolved. Im in a borrower defense program to try and get this situation resolved. I was looking for information on how to deal with this matter when I stumble on a video advising me and others such as myself on how to go about getting this issue resolved and so Im reaching out in hope to have this removed from my credit report and be able to get on with life.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In 2025 the DOGE accessed the system without my consent or authorization. And in XXXX {$3700.00} was claim to have been offered to me for student aid. I never received these funds. These monies for this supposedly claim is being looked into by. I did speak to a female representative from this institution and she did offer me an opportunity to study and earn a degree in the XXXX XXXX  which at the time I told the representative that I was a young father with young children who didnt have time to study and raise my family. I got a bill for this loan and it remains on my credit report. The institution was under investigation for fraud. Since that was one of the reasons, Im looking to get this issue resolved. Im in a borrower defense program to try and get this situation resolved. I was looking for information on how to deal with this matter when I stumble on a video advising me and others such as myself on how to go about getting this issue resolved and so Im reaching out in hope to have this removed from my credit report and be able to get on with life.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX, Tn XXXX XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Subject : Final Notice Identity Theft-Based Dispute Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ) Dear Credit Acceptance, This letter serves as formal notice that I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ) on XX/XX/XXXX, disputing the tradeline you are reporting under my name. 

I dispute the validity and enforceability of the contract, as well as the accuracy of the reporting. I do not recognize the terms or authorize the manner in which the debt is being reported. I believe this account is the result of either fraud, deception, or a contract that was improperly executed or misrepresented. 



LEGAL OBLIGATION UNDER FCRA SECTION 605B Under 15 U.S.C. 1681c-2, also known as Section 605B of the Fair Credit Reporting Act ( FCRA ), you are required to block the reporting of this account to all consumer reporting agencies within four ( 4 ) business days after receiving : A valid FTC Identity Theft Report A copy of my government-issued ID Proof of my current address This written dispute and request for deletion DEADLINE & CONSEQUENCES You have five ( 5 ) business days to : Cease all reporting of this account to the credit bureaus Provide written confirmation of its deletion Correct any inaccurate information youve furnished Failure to comply will result in immediate escalation, including : A follow-up complaint with the CFPB A formal grievance filed with the FTC and State Attorney General Potential civil action for violations of the FCRA under Sections 1681n and 1681o Please treat this as your final opportunity to voluntarily comply before legal and regulatory actions are pursued. 

Sincerely, XXXX XXXX Enclosures ( include with the letter ) : FTC Identity Theft Report Copy of your government-issued ID Proof of current address ( utility bill, lease, etc. )

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