vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : URGENT DEMAND - Dispute & Deletion of All Inaccurate and Unverifiable Information / Notice of Damages under 15 U.S.C. 1681n To Whom It May Concern, This letter serves as a formal dispute and legal notice regarding multiple inaccurate, outdated, and unverifiable items currently being reported on my credit report. These items are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am fully aware that Equifax and Experian have recently been sued for inaccurate and negligent credit reporting practices, which further validates the unreliability of the information being reported.

You are legally required under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy of any data you report and under 15 U.S.C. 1681i to conduct timely and complete reinvestigations of disputed data.

Therefore, I am demanding an immediate full sweep of my credit file and the permanent deletion of : - Any and all unverifiable or inaccurate accounts - Outdated or inconsistent personal identifiers - Derogatory marks including inquiries, collections, late payments, charge-offs, bankruptcies, and repossessions - Any data that can not be verified by original, signed documentation directly from the original creditor If you are unable to provide full verification within the 30-day period prescribed by law, these items must be permanently deleted, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Additionally, be advised that under 15 U.S.C. 1681n, I am entitled to {$1000.00} in statutory damages for each violation of the FCRA, in addition to punitive damages, court costs, and attorney 's fees.

Should you continue to willfully report inaccurate or unverified information after this notice, I will pursue all available legal remedies.

You are hereby on notice. If these accounts are not removed and a fully updated copy of my credit file is not sent to me within 30 days, I will file formal complaints with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - My state attorney general 's office I will also seek legal counsel to initiate a civil lawsuit for FCRA violations.

I demand written confirmation of deletions and an updated credit report reflecting the removal of all inaccurate or unverifiable entries. 

Sincerely, XXXX XXXX XXXX ( Last XXXX Digits ) : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : URGENT DEMAND - Dispute & Deletion of All Inaccurate and Unverifiable Information / Notice of Damages under 15 U.S.C. 1681n To Whom It May Concern, This letter serves as a formal dispute and legal notice regarding multiple inaccurate, outdated, and unverifiable items currently being reported on my credit report. These items are in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

I am fully aware that Equifax and Experian have recently been sued for inaccurate and negligent credit reporting practices, which further validates the unreliability of the information being reported.

You are legally required under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy of any data you report and under 15 U.S.C. 1681i to conduct timely and complete reinvestigations of disputed data.

Therefore, I am demanding an immediate full sweep of my credit file and the permanent deletion of : - Any and all unverifiable or inaccurate accounts - Outdated or inconsistent personal identifiers - Derogatory marks including inquiries, collections, late payments, charge-offs, bankruptcies, and repossessions - Any data that can not be verified by original, signed documentation directly from the original creditor If you are unable to provide full verification within the 30-day period prescribed by law, these items must be permanently deleted, as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Additionally, be advised that under 15 U.S.C. 1681n, I am entitled to {$1000.00} in statutory damages for each violation of the FCRA, in addition to punitive damages, court costs, and attorney 's fees.

Should you continue to willfully report inaccurate or unverified information after this notice, I will pursue all available legal remedies.

You are hereby on notice. If these accounts are not removed and a fully updated copy of my credit file is not sent to me within 30 days, I will file formal complaints with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - My state attorney general 's office I will also seek legal counsel to initiate a civil lawsuit for FCRA violations.

I demand written confirmation of deletions and an updated credit report reflecting the removal of all inaccurate or unverifiable entries. 

Sincerely, XXXX XXXX XXXX ( Last XXXX Digits ) : XXXX XXXX : XX/XX/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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I have recently reviewed my credit report and discovered that you continue to report inaccurate, misleading, and unlawful information regarding bankruptcy filings. This is a direct violation of multiple federal statutes and consumer protection laws. 

Specifically, you are reporting : Bankruptcy Case # XXXX - XXXX XXXX XXXX GA XXXX Filed : XX/XX/XXXX Dismissed : XX/XX/XXXX No discharge was issued. 

This bankruptcy was fully DISMISSED and holds no legal status to be reported as an active derogatory item. Reporting a dismissed bankruptcy as an open derogatory account is materially inaccurate and damaging. The court itself has confirmed that it does not furnish or verify consumer information to any credit reporting agency. Your data source, most likely PACER or a third-party aggregator, is incomplete, inaccurate, and unverifiable under XXXX XXXX XXXX. 

Your continued reporting of this dismissed case constitutes : Willful Noncompliance under 15 U.S.C. 1681n Negligent Noncompliance under 15 U.S.C. 1681o Failure to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) Failure to properly investigate disputes under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Furnishing false or incomplete information under 15 U.S.C. 1681s-2 ( b ) Additionally, due to the well-documented Equifax Data Breach and XXXX XXXX XXXX XXXX , any data obtained from compromised public record databases is permanently tainted and fails to meet the burden of verifiable accuracy required under both XXXX XXXX guidelines and the FCRA.

Your actions are actively suppressing my credit score and causing direct financial harm. You have had sufficient time and opportunity to correct this matter. I am now DEMANDING : Immediate and permanent DELETION of this dismissed bankruptcy from your database and all systems.

Immediate notification and deletion of this item from Experian, Equifax, and TransUnion.

A fully updated copy of my corrected file confirming this deletion.

Failure to comply within the legally mandated time frame will result in formal complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX ) State Attorney Generals Office Private legal counsel for damages under FCRA 1681n and 1681o.

I am fully aware of my rights. You are knowingly reporting false and incomplete information. This is your final notice to correct this matter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
I have submitted XXXX separate disputes regarding an account being reported by [ XXXX XXXX Account # XXXX ] that I believe is inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA 609 ( a ) ), I have the right to request full documentation verifying the accuracy and ownership of the account. Despite multiple written requests, XXXX XXXX  ; Account # XXXX ] has failed to supply the required documentation. 

This failure to respond is a direct violation of FCRA : 609 ( a ) Right to disclosure of information in the consumers file ; 623 ( a ) ( 1 ) ( A ) Duty not to report inaccurate information ; 623 ( b ) ( 1 ) Requirement to conduct a reasonable investigation and delete unverifiable or inaccurate items within 30 days. 

The company continues to furnish this information to the credit bureaus even though they have not verified its accuracy. This is not only negligent, but a willful violation of my consumer rights. 
I am requesting that the CFPB immediately investigate this matter and ensure that this account is permanently removed within 4 calendar days as it remains unverified and in violation of federal law. 
This unresolved account is negatively affecting my credit profile and causing undue harm.

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 2025-06-19 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: CO

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-19 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: VA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion.

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 2025-06-19 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:
Delete these inquiries -- see attached There was no permissible purpose and no credit extension. I requested them the provide proof and they failed to conduct a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
Delete these inquiries -- see attached There was no permissible purpose and no credit extension. I requested them the provide proof and they failed to conduct a reasonable investigation.

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 2025-06-19 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: CT

Complaint narrative:
I'm reaching out regarding an account currently appearing on my credit report that is completely unfamiliar to me. I have no knowledge of this account, Ive never opened it, and I have never authorized anyone else to open it on my behalf. In short : this account does not belong to meand it absolutely should not be on my credit file. 

After carefully reviewing my report, its clear that this is a case of mixed file datawhere someone elses account has been incorrectly linked to my personal information. Whether this error occurred due to a similar name, a social security number mix-up, or some other database mistake, it needs to be corrected immediately. I am not liable for debts or accounts that were never mine to begin with, and I should not be forced to deal with the consequences of reporting errors that violate the standards of accuracy under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-19 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: IN

Complaint narrative:
I am disputing a collection account listed by Plaza Services, LLC for the original creditor XXXX XXXX XXXX, with an alleged balance of {$2800.00}. The account number is # XXXX and was placed for collection on XX/XX/XXXX, according to my XXXX  credit report. 

On XX/XX/XXXX, I mailed a formal dispute to XXXX  via certified mail, challenging the accuracy and legality of this reporting. Specifically, I cited the following : The account is being reported as both a charge-off and XXXX days past due, which is considered duplicate derogatory reporting and violates fair credit reporting standards. 
The Date of Last Activity ( DLA ) appears to have been recently updated without any new activity from me. This suggests illegal re-aging, which violates the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 5 ). 

TransUnion responded in XX/XX/XXXX by updating the account, but failed to verify the dispute properly. They added a remark stating ACCT INFO DISPUTED BY CONSUMR and changed some fields such as Past Due, Remarks, and Rating, but did not address the core issues or provide validation of the debt. 

Plaza Services has not provided any documentation verifying the debt, nor corrected the violations I identified. As the furnisher of this information, they are required to ensure the accuracy of all data reported and to fully verify any disputed information. 

I am requesting a full investigation into this matter and, if Plaza Services can not fully and lawfully verify this account, I request that it be deleted from all three major credit reporting agencies.

Company response to consumer: Closed with explanation