vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX {$0.00} UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines.

As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. 
I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed.

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 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines.

As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. 
I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT 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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: IL

Complaint narrative:
I recently checked my credit report and a XXXX XXXX account that was removed from my credit report that doesnt belong to me is reporting again.I was told this item would be blocked from 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 explanation
Consumer complaint received 2025-06-29 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: IL

Complaint narrative:
I recently checked my credit report and a XXXX XXXX account that was removed from my credit report that doesnt belong to me is reporting again.I was told this item would be blocked from 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 explanation
Consumer complaint received 2025-06-29 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Subject : Dispute of Inaccurate and Negative Items on My Credit Report Re : Full Credit Report Cleanup Request Under FCRA Rights SSN ( Last 4 Digits ) : XXXX Dear [ XXXX XXXX Representative , I am writing to formally dispute and request the investigation and deletion of all inaccurate, outdated, unverifiable, and negative items currently listed on my credit report. These items are damaging my creditworthiness and may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

As a consumer, I am entitled to a fair and accurate credit report. Therefore, I am requesting a full investigation into all negative entries on my file, including but not limited to : Late payments Charge-offs Collections Accounts marked as derogatory or closed Any hard inquiries not authorized by me If these items can not be fully verified within the required time frame under the FCRA, I am requesting their immediate removal from my credit report. Please send me written confirmation of your findings and actions taken.

Additionally, I request that any inaccurate reporting information be corrected, and my report be updated to reflect only accurate, complete, and verifiable data.

Please consider this letter as a formal dispute and request for deletion where appropriate. I expect a response within 30 days of your receipt of this letter, as outlined by the FCRA.

Thank you for your prompt attention to this matter. I have enclosed a copy of my identification and a utility bill for verification purposes. 

Sincerely, XXXX XXXX ( Signature if mailing )

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 2025-06-29 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Subject : Dispute of Inaccurate and Negative Items on My Credit Report Re : Full Credit Report Cleanup Request Under FCRA Rights SSN ( Last 4 Digits ) : XXXX Dear [ XXXX XXXX Representative , I am writing to formally dispute and request the investigation and deletion of all inaccurate, outdated, unverifiable, and negative items currently listed on my credit report. These items are damaging my creditworthiness and may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

As a consumer, I am entitled to a fair and accurate credit report. Therefore, I am requesting a full investigation into all negative entries on my file, including but not limited to : Late payments Charge-offs Collections Accounts marked as derogatory or closed Any hard inquiries not authorized by me If these items can not be fully verified within the required time frame under the FCRA, I am requesting their immediate removal from my credit report. Please send me written confirmation of your findings and actions taken.

Additionally, I request that any inaccurate reporting information be corrected, and my report be updated to reflect only accurate, complete, and verifiable data.

Please consider this letter as a formal dispute and request for deletion where appropriate. I expect a response within 30 days of your receipt of this letter, as outlined by the FCRA.

Thank you for your prompt attention to this matter. I have enclosed a copy of my identification and a utility bill for verification purposes. 

Sincerely, XXXX XXXX ( Signature if mailing )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

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, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Dear Transunion, I am writing to formally dispute and demand the immediate removal of XXXX unauthorized hard inquiry listed on my credit report. This inquiry was made by XXXX XXXX AND DID NOT RESULT IN AN ACCOUNT BEING CREATED on XX/XX/year>, and appears without my knowledge or legally required authorization. 

Under 15 USC 1681b, no one may access a consumers credit report without a permissible purpose, and under 15 USC 6802, financial institutions are required to protect non-public personal information from being disclosed without proper consumer consent. This inquiry is in violation of these federal statutes, as I did not authorize or initiate any application for credit or services that would permit this company to access my credit file.

Cited Legal Basis : 15 USC 1681n ( Civil Liability for Willful Noncompliance ) : Any entity that willfully obtains a consumer report under false pretenses or knowingly without a permissible purpose is liable for actual damages, punitive damages, and attorneys fees.

15 USC 1681i ( Reinvestigation of Disputed Information ) : You are required to conduct a reasonable reinvestigation of any disputed item within 30 days of receiving a dispute. If you find the information to be inaccurate or unverifiable, it must be deleted promptly.

15 USC 6802 ( Protection of Nonpublic Personal Information ) : This provision obligates companies to inform consumers of their privacy rights and prohibits unauthorized sharing of personal financial information.

Demand : I hereby demand the following under my rights as a consumer : A full reinvestigation of the hard inquiry Documentation showing I authorized this inquiry, including a signed application or equivalent proof. 
Immediate removal of the unauthorized inquiry if no such documentation can be provided.

A written response confirming the results of your investigation within 30 days, as mandated by federal law.

Failure to comply with these legal requirements will result in me seeking relief under 15 USC 1681n for willful noncompliance, including legal action to pursue damages and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). 

Please be advised that I am keeping detailed records of this communication for potential use in legal proceedings. 

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: One Source Technology
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX. According to my records, this account is either inaccurately reported or should no longer appear on my credit profile.

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health.

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely.

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances.

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it.

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: AL

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, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My accounts with Comenity were sold to several collections agencies. Eventually I paid off the accounts with them. However, Comenity is still reporting my accounts to the credit bureaus as sold- charged off, when they were in fact paid/settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NC

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 2025-06-29 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: NC

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 non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am submitting this complaint regarding a debt collection agency that has failed to comply with federal law concerning debt validation. 
On or about XX/XX/year>, I mailed a written request to LVLN FUNDING LLC requesting full validation of an alleged debt. My request included the following : A complete validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) A copy of the forward flow agreement between the original creditor and the debt buyer A full chain of title showing each assignment or sale of the debt Account-level documentation ( including statements, payment history, or any signed agreements ) to substantiate the amount and nature of the alleged debt To date, this company continues to report alleged updated information on my credit report and I have received no documentation or validation of the debt from this company. Despite my lawful request, the collection agency continues to attempt to collect this debt and/or report it to credit bureaus without having satisfied my request for verification. 
This failure to provide the requested information violates my rights under the FCRA and FDCPA, and I believe it constitutes unfair and deceptive collection practices. 
I respectfully request that the CFPB investigate this matter and ensure that the collection agency is held accountable for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting inaccurate and unverifiable information on my credit report, including a XXXX  XXXX bankruptcy and multiple charge-off and collection accounts. These items have been previously disputed and remain verified without Experian providing original source documentation, in direct violation of the Fair Credit Reporting Act ( FCRA ) 1681i, 1681e ( b ), and Metro 2 compliance guidelines.

I submitted disputes to Experian regarding : A XXXX XXXX  Bankruptcy sourced by XXXX, not the court Charge-off and collection accounts with conflicting status codes ( e.g., Current and Charge-Off simultaneously ) Accounts marked with public record bankruptcy statuses with no docket numbers or court verification Experian failed to conduct a proper reinvestigation and refused to provide original creditor or court-verified documentation. My credit continues to be harmed despite their legal obligation to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) and to remove unverifiable information ( 1681i ). 

I have included a formal letter demanding the deletion of the inaccurate data and have not received compliance. I request that the CFPB hold Experian accountable and require the deletion of all unverifiable entries as outlined in my complaint.

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