vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: MS

Complaint narrative:
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
According to fcra section 605b it is illegal to report information on my credit without my permission. Thank you and please remove this from credit report.

According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank you.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of alleged Debt, nor therefor any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MS

Complaint narrative:
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
According to fcra section 605b it is illegal to report information on my credit without my permission. Thank you and please remove this from credit report.

According to law 15. U.S.C 1692C you have violated my rights by unlawful communication please remove this collection off of my credit card report thank you.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of alleged Debt, nor therefor any such debt in fact exists.

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 2025-06-30 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: TX

Complaint narrative:
TransUnion is willfully violating the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards by reporting multiple inaccurate, unverifiable, and outdated negative items on my credit report, despite multiple formal disputes.

TransUnion has previously been sued and fined by the CFPB for failing to adequately investigate disputes and misleading consumers. This exact behavior is happening again in my case. I request that the CFPB fully investigate TransUnions actions and compel the deletion of all inaccurate and unverifiable items from my report.

This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. I am demanding an immediate reinvestigation and deletion of the following account from my credit file. 

Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days. I am exercising this right and demanding strict adherence to the terms. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that can not be verified must be deleted from the file of the consumer. 

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

You have 30 days from the receipt of this letter to complete a lawful investigation. If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. Failure to comply will result in formal complaints being filed with the Federal Trade Commission ( FTC ) and the state attorney generals office. I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

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 2025-06-30 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: MI

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

This is the second time I am disputing these accounts, and I have yet to receive a valid investigation response or supporting documentation.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information reported is accurate and verifiable to protect consumer rights. 
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 XXXXXXXX I kindly request that you provide a description of the procedure used to investigate and verify each account. If you are unable to verify them with sufficient documentation, these accounts must be deleted as required by law. 

I appreciate your prompt attention to this matter and expect a full response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: MI

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

This is the second time I am disputing these accounts, and I have yet to receive a valid investigation response or supporting documentation.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information reported is accurate and verifiable to protect consumer rights. 
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 XXXXXXXX I kindly request that you provide a description of the procedure used to investigate and verify each account. If you are unable to verify them with sufficient documentation, these accounts must be deleted as required by law. 

I appreciate your prompt attention to this matter and expect a full response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Do to XXXX XXXX  Im a victim, my identity has been stolen and used without my consent, do to XXXX XXXX please remove all inquiry that is stated fraudulent on this report immediately thank you. 

XXXX XXXX XXXX XXXX  showing late payment XX/XX/XXXX thats inaccurate. 


These inquiries is fraudulent on TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inquiries is fraudulent on Equifax 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

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 2025-06-30 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: OH

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in multimillion dollar awards ( e.g., Miller v. Equifax $ XXXX ; Thomas v. TransUnion XXXX XXXX ). 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXX 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ) in its handling of a disputed bankruptcy record reported on my credit file. 
Despite multiple disputes submitted directly to Equifax, the agency continues to report a bankruptcy record ( Reference # XXXX ) that has not been verified with the original source the U.S. Bankruptcy Court in XXXX, FL. In response to my inquiries, the court has confirmed in writing that it does not validate or verify consumer data for any credit reporting agency. Equifax 's continued reporting of this record, while relying on unverified third-party sources such as XXXX or XXXX, violates multiple provisions of federal law and has caused harm to my financial standing and reputation. 

Specifically, Equifax has violated the following federal statutes : 1. FCRA 1681e ( b ) : Failure to establish and follow reasonable procedures to assure maximum possible accuracy of the information in my credit file. 
2. FCRA 1681i ( a ) : Failure to conduct a reasonable reinvestigation upon my dispute of inaccurate information.

3. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide a description of the procedure used to verify the disputed information.

4. FCRA 1681s-2 : Responsibility of furnishers to provide accurate information and correct or delete unverifiable data.

5. FCRA 1681i ( a ) ( 5 ) : Requirement to delete disputed information that can not be verified within the 30-day reinvestigation period.

6. FCRA 1681n and 1681o : Civil liability for willful or negligent noncompliance.

I have also expressed in my dispute letter that I do not consent to the use of automated systems such as e-OSCAR for dispute handling. The use of such systems, without regard to the specific evidence I provided, constitutes an unreasonable investigation and further violates FCRA requirements.

I am requesting that the CFPB investigate this matter and compel Equifax to : - Provide documentation of direct verification from the U.S. Bankruptcy Court. 
- Remove the unverified bankruptcy record and all associated accounts from my credit report. 
- Ensure compliance with FCRA by ceasing the use of unverifiable public records from third-party vendors for reporting. 

I have attached a copy of the dispute letter sent to Equifax, as well as supporting documents verifying my identity. 

Thank you for your time and attention to this matter. I look forward to your assistance in ensuring that my rights as a consumer are fully protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX [ Todays Date ] To Whom It May Concern : Re : Account XXXX XXXX | Acct. Opened : XX/XX/XXXX | Highest Balance : {$26000.00} Dear XXXX XXXX, I am writing to formally dispute the accuracy of the reported late payments on my account referenced above. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), furnishers of information are required to report complete and accurate information. Furthermore, per XXXX U.S.C. XXXX ( formerly XXXX ), I have the right to request the correction or removal of information resulting from errors, misreporting, or circumstances such as identity theft or verified inaccuracy. 

My payment history has not been accurately reported for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX These months are showing as late payments, despite having been made on time or otherwise not reflecting my accurate repayment activity. According to your own reporting, XXXX XXXX of my payments have been timely, and this account is currently in good standing with over XXXX XXXX of the loan paid off. 

These inaccuracies are negatively impacting my credit profile and do not reflect my responsible payment history. I respectfully demand the immediate correction of the above-listed months from late to paid on time to ensure compliance with federal reporting standards. 

I request confirmation that the corrections have been made and that all three major credit bureaus ( XXXX Equifax, and XXXX  ) have received the updated information. Please be advised that failure to correct this reporting error may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please process this request promptly and confirm receipt in writing. I expect this matter to be resolved within the XXXX investigation period as outlined under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX [ Todays Date ] To Whom It May Concern : Re : Account XXXX XXXX XXXX Acct. Opened : XX/XX/XXXX | Highest Balance : {$26000.00} Dear XXXX XXXX, I am writing to formally dispute the accuracy of the reported late payments on my account referenced above. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), furnishers of information are required to report complete and accurate information. Furthermore, per XXXX U.S.C. XXXX ( formerly XXXX ), I have the right to request the correction or removal of information resulting from errors, misreporting, or circumstances such as identity theft or verified inaccuracy. 

My payment history has not been accurately reported for the following months : XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX These months are showing as late payments, despite having been made on time or otherwise not reflecting my accurate repayment activity. According to your own reporting, XXXX XXXX of my payments have been timely, and this account is currently in good standing with over XXXX XXXX of the loan paid off. 

These inaccuracies are negatively impacting my credit profile and do not reflect my responsible payment history. I respectfully demand the immediate correction of the above-listed months from late to paid on time to ensure compliance with federal reporting standards. 

I request confirmation that the corrections have been made and that all three major credit bureaus ( Experian, XXXX and XXXX ) have received the updated information. Please be advised that failure to correct this reporting error may result in further legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Please process this request promptly and confirm receipt in writing. I expect this matter to be resolved within the XXXX investigation period as outlined under the FCRA. 

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