vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
I am formally disputing inaccurate and undocumented information found in my credit report. This includes unverified personal data, unauthorized inquiries, and derogatory account entries. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Metro 2 Compliance Guidelines outlined in the 2020 Consumer Data Industry Association Resource Guide ( CRRG ), I demand a full reinvestigation. 

This dispute specifically challenges the following : Incorrect Personal Information : Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Name : XXXX, XXXX, XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Employer : XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX Account Reporting Inaccuracies : XXXX XXXX XXXX The FCRA requires that all information must be verifiable, accurate, and complete. You are also required to follow Metro 2 reporting standards. If you can not provide documented and verifiable evidence for each of the above entriesincluding proof of permissible purpose for inquiries and compliance with data field standardsI demand immediate deletion. 

Furthermore, I am aware of common practices in which credit bureaus respond to disputes using template letters without properly addressing the specifics of each consumer 's case. This violates FCRA 1681i, which mandates an individualized investigation of every dispute. Let it be known that I personally authored and submitted this letter, and your failure to process this correctly will be deemed willful noncompliance. 

You are hereby required to : Reinvestigate each disputed item listed above. 

Provide physical documentation validating each claim. 

Delete any unverifiable or inaccurate information. 

Send an updated copy of my credit report reflecting the results of your investigation. 

If you fail to comply, I will pursue all available legal remedies.

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 2025-06-25 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: FL

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXXCredit Card-opened in XX/XX/XXXX XXXX -Credit Card-opened in XX/XX/XXXX XXXX- Credit Card-opened in XX/XX/XXXX XXXX -Credit Card-opened in XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX inquiried on XX/XX/XXXX XXXX XXXX XXXXXXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX These items were added to my credit report without my consent

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 2025-06-25 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-06-25 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am urgently requesting that you update and correct my personal information, as the current details listed are incorrect. Ive provided all the required documentation to support these changes. Please ensure this update is completed as soon as possible to avoid any further complications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX This account is reporting a balance of {$9700.00} and is marked as a collection. After reviewing my credit file, I am positive that this item is inaccurate, incomplete, and legally unverifiable. 

my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I am requesting a full deletion of this tradeline from my credit report. The reporting of this debt also appears duplicative of a charge-off already reported by XXXX XXXX and violates the FCRAs prohibition against furnishing misleading or duplicate data. 

Additionally, if XXXX XXXX XXXX can not provide sufficient verification that this debt is accurate, valid, and legally enforceable, it must be deleted from my file in accordance with the FCRA. You are required to complete your reinvestigation within 30 days of receiving this. 

Please send me written confirmation that this account has been 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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX This account is reporting a balance of {$9700.00} and is marked as a collection. After reviewing my credit file, I am positive that this item is inaccurate, incomplete, and legally unverifiable. 

my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I am requesting a full deletion of this tradeline from my credit report. The reporting of this debt also appears duplicative of a charge-off already reported by XXXX XXXX and violates the FCRAs prohibition against furnishing misleading or duplicate data. 

Additionally, if XXXX XXXX XXXX can not provide sufficient verification that this debt is accurate, valid, and legally enforceable, it must be deleted from my file in accordance with the FCRA. You are required to complete your reinvestigation within 30 days of receiving this. 

Please send me written confirmation that this account has been 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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
This debt was undisclosed had been charged and resold. Also cant get the original information on the debt and it seems like it keeps getting resold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Account # XXXX, Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete account XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: WY

Complaint narrative:
CashApp fees taken, violation of privacy, funds not adequately available XX/XX/year> and ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: CT

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-25 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: SC

Complaint narrative:
I am disputing this account. XXXX XXXX is still reporting this debt on my credit file, meaning Credit Control may not have legal authority to collect or report it. I received no contract, no validation, and no authorization to share my data. The collection was also addressed to a trust, not me individually. Under FCRA 15 USC 1681b and 1681i, I request this be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
My account 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.

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 2025-06-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account 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.

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 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 2025-06-25 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:
My account 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.

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 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 2025-06-25 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
My vehicle was totaled in XX/XX/year>. I began the XXXX claim process, but Santander refused to provide a copy of my loan contract, which is required to complete the claim. Despite multiple requests, they never sent the document. In XX/XX/year>, they charged off the account and began seeking a settlement, even though the XXXX process was still pending and unresolved due to their non-cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
I am formally disputing the following accounts, which have been reported inaccurately and without verified lawful authority : XXXX XXXX XXXX  XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2, and in accordance with Metro 2 compliance standards, I demand the permanent deletion of these accounts from my credit file unless you can provide : Full factual validation of the debt, including a signed contract bearing my wet signature.

Proof of a permissible purpose for reporting or accessing my credit information, under FCRA 1681b.

A full breakdown of account ownership, payment history, and itemization of charges that complies with Metro 2 reporting guidelines.

A notarized affidavit from a person with firsthand knowledge of the alleged debt, stating the legal origin and legitimacy of the claim.

If you can not provide this documentation within 20 calendar days of receipt of this letter, I demand the immediate and permanent deletion of all related data from all consumer reporting agencies and any third-party data furnishers.

Failure to comply constitutes willful noncompliance with federal law, subject to civil liability under FCRA 1681n, and may result in legal action for defamation, financial injury, and violations under 18 U.S.C. 1001 and 18 U.S.C. 1341 ( fraud by wire/mail ).

This is a final opportunity to correct and delete these unverified, inaccurate, and damaging entries. I expect written confirmation and an updated credit report reflecting the removal of these accounts.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am disputing a collection account listed by Credit Collection Services for XXXX XXXX that continues to appear on my XXXX credit report. 

This account shows as " Consumer disputes after resolution '' and " Collection account '' yet it is still being reported negatively without any supporting documentation or confirmation of its validity. 

Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, all reporting must be accurate, verifiable, and complete. This entry has not been verified with any original contract, billing statement, or documentation proving the debt. 

I am requesting a full CFPB investigation and demand that this derogatory item be permanently deleted if no proper evidence can be produced

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief