vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: MS

Complaint narrative:
Heres a polished and professional version of your dispute letter that you can send to Equifax, TransUnion, and Experian. Be sure to customize the letter per bureau and send it with a copy of your ID, proof of address ( e.g., utility bill or lease ), and the highlighted credit report pages : -- - **XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Date : XX/XX/XXXX XXXX : ** Equifax XXXX XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX **Subject XXXX Dispute of Unauthorized Inquiries and Fraudulent Accounts** Dear [ Credit Bureau Name ], XXXX XXXX writing to formally dispute certain inquiries and accounts currently listed on my credit report. After thoroughly reviewing my report, I have identified multiple entries that I did not authorize and believe may be fraudulent. 

**Unauthorized Inquiries and Fraudulent Accounts : ** - **TransUnion** : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - **Equifax** XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - **Experian** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are unfamiliar to me, and I did not apply for credit with these institutions. As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate or unauthorized information, and I request a full investigation into these inquiries and accounts. If they are found to be unauthorized, please remove them from my report immediately. 

Please provide a written response within 30 days of receipt of this letter, as required by the FCRA. Once the investigation is complete, I ask that you send me an updated copy of my credit report reflecting the changes. 

If additional documentation or verification is required, I am happy to provide it. Thank you in advance 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 non-monetary relief
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My identity was stolen while I was XX/XX/XXXX All credit cards, like XXXX, XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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:
This is a follow up complaint against Equifax about XXXX XXXX XXXX XXXX which is still reporting on my credit report. Equifax verified with no proof this collection. It still remains off of XXXX and XXXX. Equifax told me to contact the creditor as I have plenty of prove in the other complaints that I did. This is on Equifax 100 %. Today XXXX XXXX is beyond Equifaxs 30-45 days of original investigation XXXX XXXX. Im still confused as to how they closed the original dispute XXXX XXXX. My identity verification documents Equifax requested arrived XXXX XXXX. Proving they didnt properly verify. Claimed the debt is valid. The creditor as responded to cfpb. Passing this on to Equifax that it must be immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial
State: FL

Complaint narrative:
XXXX XX/XX/XXXX, Spotloan lent me {$800.00}. By the last payment, which was on XX/XX/XXXX, I've paid {$2000.00}. I can't pay any more. I pay {$140.00} every XXXX weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Portfolio recovery associates LLC Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear portfolio recovery associates, I am writing in response to your [ letter/phone call ] dated [ date ], regarding the alleged debt that you claim I owe to [ creditors name ]. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide valid documentation to verify this debt, as I am disputing its validity. Please provide the following information : 1. The amount of the alleged debt. 2. The name of the creditor to whom the debt is owed. 3. A copy of the original contract or agreement that created the debt. 4. Any judgment details ( if applicable ). 5. Proof of your authorization to collect this debt on behalf of the original creditor. 6. A statement confirming that the debt is within the statute of limitations. Please note that until this debt is validated, I request that you cease any collection activities, including reporting to credit bureaus. I also reserve the right to dispute this debt if it is not validated in the time allowed by law. Thank you for your attention to this matter. I look forward to receiving the requested documentation within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$740.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

XXXX. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.

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 2025-04-08 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:
I am requesting the immediate removal of these unauthorized accounts from my credit report. I did not create or approve these accounts, and I do not recognize them. In compliance with USC 1681g, I am formally asking that they be removed within 15 days. Supporting documents are included for your review. Additionally, the account details are inconsistent, with different information reported to each credit bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: MD

Complaint narrative:
Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Demand for Investigation Inaccurate Repossession Account # XXXX Dear Experian, I dispute the following account under FCRA 611 and FDCPA 809 ( b ) : Creditor : XXXX XXXXXXXX XXXX  Account # : XXXX Status : Repossession ( XX/XX/year> ) Balance : {$19000.00} Dispute Reasons : No Validation of Debt ( FDCPA 809 ) Never received post-repossession notices or sale accounting.

Incomplete Reporting ( FCRA 607 ( b ) ) Payment history is missing despite a 1.5-year loan term. 

Unjust Deficiency ( UCC 9-610 ) Lender failed to prove the sale was commercially reasonable. 

Demand : Delete the account or provide full verification ( including auction records ). 

Update my credit report immediately. 

CC : CFPB ( Consumer Financial Protection Bureau ) Sincerely, XXXXXXXX XXXX XXXXXXXX Enclosures : Credit report, ID proof

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 2025-04-08 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: MD

Complaint narrative:
Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Demand for Investigation Inaccurate Repossession Account # XXXX Dear Experian, I dispute the following account under FCRA 611 and FDCPA 809 ( b ) : Creditor : XXXX XXXXXXXX XXXX  Account # : XXXX Status : Repossession ( XX/XX/year> ) Balance : {$19000.00} Dispute Reasons : No Validation of Debt ( FDCPA 809 ) Never received post-repossession notices or sale accounting.

Incomplete Reporting ( FCRA 607 ( b ) ) Payment history is missing despite a 1.5-year loan term. 

Unjust Deficiency ( UCC 9-610 ) Lender failed to prove the sale was commercially reasonable. 

Demand : Delete the account or provide full verification ( including auction records ). 

Update my credit report immediately. 

CC : CFPB ( Consumer Financial Protection Bureau ) Sincerely, XXXXXXXX XXXX XXXXXXXX Enclosures : Credit report, ID proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
This morning, I saw some incorrect accounts listed on my credit report, and I have no idea how they got there. I reviewed my report like I always do, but this time I noticed some unexpected discrepancies. I even refreshed the page thinking it might be a technical glitch, but nothing changed. The inaccurate accounts were still there. Because of this, I kindly ask that the documents I submitted be reviewed carefully to help prevent this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am demanding the immediate deletion of a previously disputed, fraudulent account. I never received written notification of the dispute results, which violates the Fair Credit Reporting Act ( FCRA ). 

FTC REPORT ATTACHED

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 2025-04-09 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-04-08 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:
Im filing a complaint against Equifax and TransUnion and Experian for violating FCRA and FDCPA by refusing to delete fraudulent accounts and address, despite police reports and evidence. I demand immediate removal and investigation into their handling of identity theft claims. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-04-08 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-04-08 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: LA

Complaint narrative:
I filed a dispute on XXXX XXXX  XXXX due to inaccuracy in reporting, and duplicated accounts. Equifax denied to follow up with the investigation. They continue to report late payments on an account that is not mine with most recently reporting a late payment in XXXX of XXXX  I recently was notified that CFPB has filed a lawsuit against the company ( Equifax ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Equifax has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a housing. Equifax violates my rights as a consumer, as well as federal laws. 

XXXX XXXX XXXX XXXX ( b ), part of the Fair Credit Reporting Act ( FCRA ), requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am demanding the immediate deletion of a previously disputed, fraudulent account. I never received written notification of the dispute results, which violates the Fair Credit Reporting Act ( FCRA ). 

FTC REPORT ATTACHED

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