vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding repeated and unresolved violations by one or more consumer credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). 
On [ Insert Original Dispute Letter Date ], I submitted a comprehensive dispute to all major credit bureaus regarding numerous inaccurate, unverifiable, and outdated items appearing on my credit report. These included : Improper reporting of a XXXX XXXX bankruptcy without court-verified sourcing Over 34 unauthorized and unverifiable hard inquiries Accounts discharged in bankruptcy that are still listed as charge-offs Inaccurate late payment history and unverifiable derogatory data To date, I have received little or no response and no documented method of verification, as required by FCRA 1681i ( a ) ( 6 ). The credit reporting agencies have either failed to investigate or continue to report inaccurate information in violation of federal law. 
Key Violations Include : FCRA 1681i : Failure to reinvestigate within 30 days FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681n and 1681o : Willful and negligent noncompliance FDCPA 809 ( b ) : Failure to validate debts and tradeline accuracy I have attached a copy of my dispute letter, identity documents, and relevant credit report pages showing the erroneous items. 
I am requesting that the CFPB initiate a formal investigation into the practices of the agencies involved and require full correction or deletion of the disputed entries. I also request that the CFPB inform me of any response or resolution provided by the agencies. 
Sincerely, \ XXXX XXXX XXXX Signature XXXX XXXX Phone : XXXX Email : [ Insert Your Email ] 1 Enclosures : Original dispute letter ( dated [ Insert Date ] ) Proof of identity ( ID and utility bill ) Annotated credit report excerpts CC : Federal Trade Commission ( FTC ) Ohio Attorney Generals Office

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 2025-07-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have just checked my credit report and I see that the items is not marked dispute so I am unsure if the company is following the law, because 15 USC 1692e ( XXXX ) states. 
Communicating or threatening to communicate to any person credit information which is known or which should be known to be false including the failure to communicate that a disputed dept is disputed. 
Here is my account info to use during your investigation into this matter. 
XXXX XXXX XXXX XXXX XXXX ( BALANCE OF {$1400.00} ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( BALANCE OF {$810.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$1100.00} ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I have just checked my credit report and I see that the items is not marked dispute so I am unsure if the company is following the law, because 15 USC 1692e ( XXXX ) states. 
Communicating or threatening to communicate to any person credit information which is known or which should be known to be false including the failure to communicate that a disputed dept is disputed. 
Here is my account info to use during your investigation into this matter. 
XXXX XXXX XXXX XXXX XXXX ( BALANCE OF {$1400.00} ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( BALANCE OF {$810.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$1100.00} ) 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 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: DC

Complaint narrative:
I have reached out to XXXX XXXX XXXX, and XXXX XXXX regarding my accounts that have been charged off or closed. I am seeking information about these accounts, as they are being sold to various collection agencies, yet they continue to appear on my credit report each month. I was not informed about this on my credit report, nor did I receive any written communication or mail concerning these accounts. I have requested their removal from my credit report, but they refuse to provide any documentation related to these accounts and continue to reinstate them. I know my rights, but this situation is distressing. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NM

Complaint narrative:
so on XX/XX/year>2025 I XXXX XXXX sent out a FTC identity theft report along with a cover letter disputing recognized and non recognized negative accounts and remarks and informed them I never gave consent to the creditors nor the CREDIT BUREAU Equifax to report these Negative accounts and remarks as well as SOFT and HARD inquiries either and I informed them of the LAWS And Rights of mine like the FCRA that clearly states when submitting a FTC identity theft report and requesting that they remove the NEGATIVE accounts and all soft and hard inquiries that are reporting with out my consent and are negatively impacting my credit score and impacting my ability to obtain credit! the FCRA states that they legally only have 4 Business days " FOUR " Business days from when they receive a consumers FTC ID THEFT Report to remove the Negative accounts and remarks that were posted on the consumers credit profile with out the consumers consent and to do as the consumer requested and they received all that from me certified mail return receipt on XXXX/2025 I have proof from the XXXX mailing and they still have not followed the law or abided by my rights as a consumer like the FCRA 4 business day rule and continue to treat MY FTC IDENTITY THEFT REPORT AND Disputes as if its a regular dispute when it is NOT! because my personal information DOB Drivers License number and social security number and address name and other personal info was provided to 3rd party collection companys and also shared to the credit bureaus and negative info placed on my credit profile " with out my consent! '' and they refuse to do what they are legally obligated to do and continue to tell me I have to wait 30 days for the creditors to respond but that's not what the law says when doing a FTC id theft report and disputes please enforce them to do what they have to do according to the FCRA immediately This will be my final attempt to resolve the matter and if they still fail to do what I've requested I will have no choice but to file a law suit against the creditors and credit bureaus involved! thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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 am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) for knowingly reporting inaccurate and illegal tradelines across XXXX XXXX and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting guidelines. 

XXXX is reporting XXXX accounts with a combined balance of {$36000.00}. These accounts have never been validated with required documentation such as a 1099-C, Bill of Sale , or Chain of Custody. Despite repeated written disputes, XXXX and the credit bureaus continue to report : Active balances on charged-off accounts Conflicting statuses ( Charge-Off and Collection simultaneously ) The phrase Dispute resolved; consumer disagrees with no proof Updates to tradelines during ongoing disputes Improper placement of active collection accounts in the closed section ( Equifax ) Accounts with no activity code violating Metro 2 standards These actions artificially inflate my debt-to-income ratio, misrepresent my creditworthiness, and violate my rights under FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) and FDCPA 809 ( b ).

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 2025-07-27 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: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) for knowingly reporting inaccurate and illegal tradelines across XXXX, Equifax, and XXXX, in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting guidelines. 

XXXX is reporting XXXX accounts with a combined balance of {$36000.00}. These accounts have never been validated with required documentation such as a 1099-C, Bill of Sale , or Chain of Custody. Despite repeated written disputes, XXXX and the credit bureaus continue to report : Active balances on charged-off accounts Conflicting statuses ( Charge-Off and Collection simultaneously ) The phrase Dispute resolved; consumer disagrees with no proof Updates to tradelines during ongoing disputes Improper placement of active collection accounts in the closed section ( Equifax ) Accounts with XXXX activity code violating Metro 2 standards These actions artificially inflate my debt-to-income ratio, misrepresent my creditworthiness, and violate my rights under FCRA 1681e ( b ), 1681i ( a ), 1681s-2 ( b ) and FDCPA 809 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
I appreciate XXXX response, but I respectfully disagree with their characterization of the issue and am requesting further review. 

I had a perfect payment history prior to this incident, and I was under the impression that I was enrolled in auto-debit. If XXXX system failed to complete or confirm my enrollment, I was never properly informed. I received no notification that my auto-debit enrollment was incomplete or rejected, nor was I notified that payments were not being drafted as expected. 

By XXXX own admission, their system did not process an auto-debit application from me, but they fail to explain why I would stop manually paying if I knew I wasnt enrolled. Clearly, I believed I was enrolled, and this communication gap is at the XXXX of the issue. 

Furthermore, reporting XXXX separate delinquencies to the credit bureauswhen this stems from a single breakdownis excessively punitive and misleading. It exaggerates the situation and caused a credit drop of over XXXX points, which does not fairly reflect my history as a responsible borrower. 

I request that XXXX : Remove or revise the XXXX delinquency reporting on my account, as a one-time goodwill correction ; Consolidate or amend the tradelines, given the unfair impact of XXXX separate accounts being reported as delinquent simultaneously ; Provide documentation showing that I was clearly and explicitly notified that auto-debit had failed and that payments were not being processed. 

XXXX asking for fairnessnot forgiveness of the debt. I acted in good faith, had no intent to miss payments, and corrected the issue once discovered. I am asking for the damage to my credit to reflect the reality of the situationnot a technicality. 

Please, I am asking for this delinquent to be removed as it was immediately paid once identified in full

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 2025-07-26 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: NY

Complaint narrative:
I appreciate XXXX response, but I respectfully disagree with their characterization of the issue and am requesting further review. 

I had a perfect payment history prior to this incident, and I was under the impression that I was enrolled in auto-debit. If XXXX system failed to complete or confirm my enrollment, I was never properly informed. I received no notification that my auto-debit enrollment was incomplete or rejected, nor was I notified that payments were not being drafted as expected. 

By XXXX own admission, their system did not process an auto-debit application from me, but they fail to explain why I would stop manually paying if I knew I wasnt enrolled. Clearly, I believed I was enrolled, and this communication gap is at the XXXX of the issue. 

Furthermore, reporting XXXX separate delinquencies to the credit bureauswhen this stems from a single breakdownis excessively punitive and misleading. It exaggerates the situation and caused a credit drop of over XXXX points, which does not fairly reflect my history as a responsible borrower. 

I request that XXXX : Remove or revise the XXXX delinquency reporting on my account, as a one-time goodwill correction ; Consolidate or amend the tradelines, given the unfair impact of XXXX separate accounts being reported as delinquent simultaneously ; Provide documentation showing that I was clearly and explicitly notified that auto-debit had failed and that payments were not being processed. 

XXXX asking for fairnessnot forgiveness of the debt. I acted in good faith, had no intent to miss payments, and corrected the issue once discovered. I am asking for the damage to my credit to reflect the reality of the situationnot a technicality. 

Please, I am asking for this delinquent to be removed as it was immediately paid once identified in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I appreciate XXXX response, but I respectfully disagree with their characterization of the issue and am requesting further review. 

I had a perfect payment history prior to this incident, and I was under the impression that I was enrolled in auto-debit. If XXXX system failed to complete or confirm my enrollment, I was never properly informed. I received no notification that my auto-debit enrollment was incomplete or rejected, nor was I notified that payments were not being drafted as expected. 

By XXXX own admission, their system did not process an auto-debit application from me, but they fail to explain why I would stop manually paying if I knew I wasnt enrolled. Clearly, I believed I was enrolled, and this communication gap is at the XXXX of the issue. 

Furthermore, reporting XXXX separate delinquencies to the credit bureauswhen this stems from a single breakdownis excessively punitive and misleading. It exaggerates the situation and caused a credit drop of over XXXX points, which does not fairly reflect my history as a responsible borrower. 

I request that XXXX : Remove or revise the XXXX delinquency reporting on my account, as a one-time goodwill correction ; Consolidate or amend the tradelines, given the unfair impact of XXXX separate accounts being reported as delinquent simultaneously ; Provide documentation showing that I was clearly and explicitly notified that auto-debit had failed and that payments were not being processed. 

XXXX asking for fairnessnot forgiveness of the debt. I acted in good faith, had no intent to miss payments, and corrected the issue once discovered. I am asking for the damage to my credit to reflect the reality of the situationnot a technicality. 

Please, I am asking for this delinquent to be removed as it was immediately paid once identified in full

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 2025-07-26 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:
Upon reviewing my credit report, I noticed several inaccuracies associated with this account. This account is negativity impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of the information, as required under The Fair Credit Reporting Act ( FCRA ), codified as 15 U.S.C. 1681.

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 2025-07-26 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute through the CFPB, Complaint ID XXXX portal regarding an account reported as XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The CFPB confirmed delivery of the dispute to the credit reporting agency ( CRA ) on that same date. 
As of today, the complaint still shows as open in the CFPB portal, and I have received no direct final communication from the CRA, not through the CFPB portal nor by any other means ( mail, email, or otherwise ). In addition, I have received no reinvestigation results, no method of verification, and none of the documentation I lawfully demanded in my original dispute. 
I explicitly requested, as provided under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 609 ( a ), that if the CRA verified the account, I be provided the method of verification and supporting documents including a signed agreement, full account history, and terms. No such materials have been delivered or made available to me. 
The lack of response, failure to provide verification, and failure to complete the dispute process within the required XXXX timeframe clearly violates FCRA 611 ( a ) ( 1 ) ( A ). Per FCRA 611 ( a ) ( 5 ) ( A ), the account is now legally required to be permanently deleted from my credit file.

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 2025-07-26 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: CA

Complaint narrative:
I recently received a copy of my consumer report on XX/XX/year> from Transunion and I noticed late payments posted on my consumer report I sent out a dispute to Transunion dispute department on XX/XX/year> that I will attach to my complaint my transactions and experiances or excluded by law Transunion is in violioton of 15 USC 1681 ( 2 ) ( a ) ( i ) under the Exclusion section The term " Consumer Report '' does not include report containing information solely as to transactions or experiences my transactions are NOT INCLUDED!

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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For reference Compliant ID : XXXX & XXXX I have requested for all reporting debts to be validated and verified. I have not receive any documentation showing a description of the procedure used to determine the accuracy, The name, address, and contact information of the party that verified the information, The method and sources used in your reinvestigation. I keep receiving letters telling me the debt is verify and disregarded when request above information. I REQUESTED : The original signed agreement, Full itemized billing history, A breakdown of the charges, Proof of the legal right to collect the debt, and proof of the chain of custody if the debt was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Kriya Capital, LLC
State: FL

Complaint narrative:
I am currently disputing an account on my credit report that is the result of identity theft. The account in question does not belong to me, and I did not authorize its opening or any transactions associated with it.

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to request that any information resulting from identity theft be blocked from my credit report. I have submitted a formal dispute to XX/XX/XXXX along with appropriate documentation, including a police report and/or an FTC Identity Theft Report as required under Section 605B of the FCRA.

Additionally, under FCRA 15 U.S.C. 1681i, the credit reporting agencies are obligated to conduct a reasonable reinvestigation of the disputed information within 30 days. If the account can not be verified or is found to be the result of fraud, it must be removed from the credit report.

I am requesting that this fraudulent account be permanently deleted from my credit files, as it is inaccurately impacting my creditworthiness and was opened without my knowledge or consent. I am fully cooperating with the investigation and have taken all necessary legal steps to report and document the identity theft. I respectfully urge the credit bureaus and data furnishers to comply with the FCRA and resolve this matter promptly.

Company response to consumer: Closed with non-monetary relief