vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: U.S. BANCORP
State: AL

Complaint narrative:
I am writing to formally request the removal of an unauthorized credit inquiry listed on my credit report. I reviewed a copy of my credit report and noticed an inquiry from my report, which I did not authorize or initiate. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that this inquiry be investigated and removed from my credit file if it is found to be unauthorized.

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 2025-05-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 15 u.s.c. 1681 section 602A, states i have the right to privacy 15 u.s.c. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account with out my written instructions.

15 u.s.c.1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse items of information, other than records of conviction and crime with which antedates the report by 7 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: OneMain Finance Corporation
State: AL

Complaint narrative:
I am writing to formally request the removal of an unauthorized credit inquiry listed on my credit report. I reviewed a copy of my credit report and noticed an inquiry from my report, which I did not authorize or initiate. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. I am requesting that this inquiry be investigated and removed from my credit file if it is found to be unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 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: TX

Complaint narrative:
I was not a third-party company. I filled out the complaint myself. 
Subject : FINAL NOTICE Willful Noncompliance under FCRA 616 Immediate Removal Demanded To Whom It May Concern, This letter serves as my third and final formal dispute regarding the continued, unlawful reporting of the following account on my TransUnion credit reports : Disputed Account Information : * Creditor : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190.00} * Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX  ) * Last Verified : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX  ) * Original Creditor : XXXXXXXX XXXX XXXX XXXX  Status : Collection/Chargeoff * Only reported by : TransUnion and XXXX  Not reported by XXXX  Despite two prior formal disputes and a complaint submitted to the Federal Trade Commission ( FTC ) , this derogatory collection account continues to appear on my reports. Neither TransUnion nor XXXX  has provided : * Any original contract or signature linking me to this alleged debt * A legally valid debt validation or itemized proof of obligation * Documentation proving assignment from the original creditor * Permissible purpose as required under FCRA 604 By maintaining this derogatory and unverified item on my report after formal notice, your agencies are in willful violation of FCRA 616, which holds data furnishers and credit bureaus legally liable for knowingly reporting inaccurate or unverified data. Furthermore, this account is completely missing from my XXXX  report, which raises further doubts as to its validity and substantiates the lack of uniformity and procedural reliability in your reporting practices. Legal Notice : If this account is not permanently deleted from both TransUnion and XXXX credit reports within five ( 5 ) calendar days of your receipt of this letter, I will have no choice but to initiate legal proceedings without further notice. Actions include but are not limited to : * Filing a federal lawsuit for willful noncompliance under FCRA 616 and 617 * Seeking punitive damages, actual damages, and attorneys fees * Filing additional complaints with the State Attorney General You have had more than sufficient opportunity to address this dispute. Continuing to report this information without proper documentation reflects deliberate negligence and malice toward my consumer rights. I expect a written confirmation of deletion within five ( 5 ) days. Failure to comply will result in legal escalation.

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 2025-05-18 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXExperian

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 2025-05-18 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: TX

Complaint narrative:
* * Subject : Formal Dispute and Demand for Immediate Deletion of Inaccurate, Unverifiable, and Outdated Information * * * * Account # : XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute the following derogatory information associated with the above-referenced account under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, specifically * * Sections 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 1 ) ( A ) * *. The reported details are demonstrably inaccurate, unverifiable, outdated, and/or incomplete, rendering them legally non-compliant. I demand immediate deletion of this item from my credit file.

# # # * * Violations and Basis for Dispute * * 1. * * Falsely Reported Future Dates ( FCRA 607 ( b ) ) : * * - The " Last Reported '' date is listed as * * XX/XX/XXXX * *, and " Date Last Active '' includes * * XX/XX/XXXX * *. These are future dates, which is factually impossible. This constitutes a clear violation of 607 ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy.

2. * * Inconsistent and Unverifiable Account Details ( FCRA 611 ( a ) ( 1 ) ( A ) ) : * * - The " Date Opened '' conflicts between TransUnion ( * * XX/XX/XXXX * * ) and Experian ( * * XX/XX/XXXX * * ). Such discrepancies render the data unverifiable. 
- The " No. of Months ( terms ) '' is listed as * * 57 months * *, implying a term end date inconsistent with the reported timeline. This creates mathematical inaccuracies. 

3. * * Erroneous Charge-Off Status ( FCRA 623 ( a ) ( 1 ) ( A ) ) : * * - The account is labeled " Collection/Chargeoff '' with a {$0.00} monthly payment and {$8000.00} past due. These conflicting details violate 623 ( a ) ( 1 ) ( A ), which mandates furnishers to provide complete and accurate information.

- The comments state, " Merchandise was taken back by credit grantor, '' yet the balance remains reported. If collateral was recovered, the remaining balance must be adjusted or deleted per * * Regulation V, 12 C.F.R. 1022.41 * *.

4. * * Outdated Payment History ( FCRA 605 ( c ) ) : * * - The payment history reflects " CO '' ( Charge Off ) for months extending into * * XXXX * *, which is impermissible. Negative items older than seven years must be deleted under 605 ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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 HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forest Recovery Services LLC
State: GA

Complaint narrative:
FOREST RECOVERY SERVICES put a collection on my credit reports without my knowledge and in doing so, violated the FDCPA Collection Practice. I have never received any written correspondence from the original creditor XXXX XXXX XXXX XXXX regarding an outstanding balance. FOREST RECOVERY SERVICES reported this collection to XXXX  for the amount of {$900.00} Opened on XXXX. This is invalid, I have never received any written correspondence from the original creditor. This should be removed from my credit report unless it is validated. The Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors provide evidence validating the debt, including details about the original creditor, the current balance, and an itemized accounting of the debt. A partial ledger, without the full documentation, is not sufficient to satisfy the requirements of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: CBC Companies, Inc.
State: FL

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXXnDOB XXXX\nSOCIAL SECURITY XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX\nXXXXnXXXX\n\nInnovis Consumer Assistance\nXXXX XXXX XXXX\nXXXX, PA XXXXXXXXn\nSubject: Urgent Request for Removal of Fraudulent Accounts Within 7 Days\n\nTo Whom It May Concern,\n\nI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my Innovis credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft.\n\nThe following accounts are fraudulent and must be removed from my credit report immediately:\n\nXXXX XXXX XXXX XXXX\nOpened XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXX\nOpened XXXX XXXX XXXXn\nXXXX XXXX XXXX XXXXnOpened XXXX XXXX XXXX\n\nXXXX XXXX XXXXnOpened XXXX XXXX XXXX\n\nXXXX XXXX\nOpened XXXX XXXX XXXX\n\n(Include additional accounts as needed)\n\nI am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.\n\nI have enclosed copies of the following documents to support my claim:\n\t\tA copy of my government-issued identification\n\t\tProof of my current address\n\t\tA copy of the police report and/or identity theft affidavit\n\t\tAny relevant documentation proving the accounts are fraudulent\n\nPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authorities.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: LA

Complaint narrative:
I am writing to formally dispute a late payment entry being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The following account is reporting a delinquency that I believe is inaccurate, incomplete, or unverified : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>2021 Reported Issue : Late Payment Issue : FCRA Violation Late payment is either inaccurate, outdated, or unverifiable Action Requested : Reinvestigate and remove if unverifiable Under FCRA 611, I am requesting that you reinvestigate this account and confirm the accuracy of the reported late payment directly with the original creditor. If the creditor can not provide original documentation validating the accuracy and date of the late payment, the derogatory information must be promptly deleted from my credit report.

FCRA 607 ( b ) : Credit reporting agencies must maintain maximum accuracy.

FCRA 611 ( a ) : Mandates a full reinvestigation within 30 days of dispute receipt.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers of information must not report inaccurate or incomplete data.

I take my financial obligations seriously and strive to maintain a good credit standing. Life circumstancessuch as [ you can personalize here if applicable : a temporary hardship, medical issue, job loss, etc. ] may have impacted my finances during a particular time, but Ive since worked hard to stay current. The continued reporting of this negative item is hindering my ability to rebuild and move forward.

I respectfully ask for understanding and fairness as you review this account.

1. Conduct a reinvestigation of the reported late payment with the data furnisher.

2. Provide me with written proof of the late payment or remove it if unverified.

3. Update and send a corrected version of my credit report if changes are made.

4. Complete the reinvestigation within the 30-day window required by law.

Thank you for your attention to this matter. I look forward to your response and a fair resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
Removal of late remarks of credit report XX/XX/2024 letter for creditor attached acct ends in # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: TX

Complaint narrative:
Dispute of Paid and Closed Account Request for Removal Dear Sir/Madam, I am writing to formally dispute an entry on my credit report regarding a paid and closed account that I believe should be removed. According to the records, the account XXXX with XXXX XXXX XXXX was paid in full and is now closed. However, it remains listed on my credit report, negatively impacting my credit score and creditworthiness.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to request that inaccurate or outdated information be corrected or removed from my credit report. The account in question has been paid and closed, and the reporting of it should not be considered relevant or accurate at this time.

Moreover, as per UCC Section 3-601 ( Uniform Commercial Code ), once a debt is settled or a contractual obligation is fulfilled, it must be discharged, and the creditor is obligated to report the status of the debt accurately. Continuing to list this account as if it were still open or in any way reflecting an unresolved obligation violates the spirit of this legal provision.

As per UCC 3-605, the removal of inaccurate or outdated information is necessary to uphold the principle of good faith and fair dealing in all commercial transactions. I request that this account be removed from my credit report to comply with the above-mentioned statutes.

Please investigate this matter and remove the account as soon as possible. I expect a prompt resolution and would appreciate a written response within 30 days as required by law.

Thank you for your time and 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