vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX RE : Request to Block and Delete Fraudulent Accounts under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally dispute and demand the immediate blocking and deletion of multiple unauthorized and inaccurate accounts on my credit report, under my rights provided by 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. 

My personal identifying information was compromised by a former spouse, who accessed and misused my data without my consent or authorization. As a result, the following accounts were opened fraudulently or reported inaccurately and do not belong on my credit file : XXXX. XXXX XXXX XXXX XXXX Opened without consent XXXX. XXXX XXXX Opened without consent XXXX. XXXX XXXX Opened without consent XXXX. XXXX XXXX XXXX XXXX Opened without consent XXXX. XXXX XXXX XXXX Collection Reporting inaccurate information XXXX XXXX XXXX XXXXXXXX Account Opened without consent I did not open, authorize, or have knowledge of these accounts at the time they were created. Therefore, I am requesting that you block and delete all references to these accounts from my credit report within four ( 4 ) business days, in compliance with the requirements of 15 U.S.C. 1681c-2.

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 2025-07-21 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: HI

Complaint narrative:
I am writing to formally dispute inaccurate late payment information reported on my credit file regarding the following account : Creditor Name : XXXX Star ( XXXX Airforce XXXX XXXX Account Number : * XXXX Date Opened : XX/XX/XXXX According to my records and the attached documentation, I believe the late payment entries for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( reported as 30 days past due ) are inaccurate and/or misreported. I have consistently made on-time payments and believe these delinquencies may be a reporting error or may have occurred during a time when I was in active communication with AAFES to resolve my account. 

Furthermore, both reports from Equifax and Experian show differing late payment entries and activity dates, raising concern about the accuracy and consistency of the reporting. The Fair Credit Reporting Act ( FCRA ) requires that all data furnished to credit bureaus must be accurate, complete, and verifiable. I am requesting the deletion or correction of the inaccurate late payment entries associated with this account. 

Please investigate this matter and provide the results of your findings. If the furnisher of the information can not verify the accuracy of these late payments, they must be updated removed 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 2025-07-21 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:
I am filing this complaint due to the continued inaccurate reporting of an account by XXXX XXXX XXXX ( Account # XXXX ) on my Equifax credit report. This account allegedly originated from XXXX XXXX XXXX XXXX and is listed as a collection/charge-off in the amount of {$900.00}. 

I have previously disputed this account with the credit reporting agency, and to date, XXXX XXXX  has failed to provide any documentation verifying the validity of the debt, including : A contract with my wet-ink signature A full payment history ledger A copy of the original application Proof of assignment from the original creditor A cancellation of debt or 1099-C, if the debt has been charged off or sold This tradeline is currently being reported in violation of Metro 2 compliance standards set by the Consumer Data Industry Association ( CDIA ) . Specific Metro 2 violations include : Reporting a charge-off and collection simultaneously, which is structurally incompatible under Metro 2 formatting Reporting a $ 0 monthly payment while showing an active collection balance, which is misleading and triggers inaccurate utilization calculations Failure to properly mark the account as disputed using the E-OSCAR code XB as required under FCRA 611 ( a ) ( 1 ) ( A ) Failure to update or validate the " Date of Last Activity '' ( DLA ) which currently reads XX/XX/year>, without any payment history or legal substantiation Under FCRA 609, I have the right to request full documentation to verify this debt. Under FCRA 611, if the furnisher can not verify the account with proper documentation, it must be removed from my credit report. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), a data furnisher must report accurate and complete information and correct or delete anything found to be inaccurate or unverifiable. 

This continued inaccurate reporting also violates the Fair Debt Collection Practices Act ( FDCPA ) 809, which requires validation of debt upon request.

I reserve all rights under UCC 1-308, without prejudice, and do not waive any right to pursue legal action for damages, defamation, or violations under state and federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, inn accordance with the Fair Credit Reporting Act, Public law 91-506, TitleVI, Section 611, Subsection A-D, please provide the nnames and business addresses of each individual with whom you verified the above so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX XXXX XXXX XXXX ( Experian ) Account Number : * XXXX ( Equifax )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, inn accordance with the Fair Credit Reporting Act, Public law 91-506, TitleVI, Section 611, Subsection A-D, please provide the nnames and business addresses of each individual with whom you verified the above so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

( Experian ) Account Name XXXX XXXX  Account Number XXXX ( Equifax ) Account Name XXXX Account Number XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: HI

Complaint narrative:
I am writing to dispute the incorrect reporting of a XXXX late payment for XX/XX/XXXX on my XXXX XXXX account ending in XXXX. 

The reporting is inaccurate for the following reasons : My XXXX XXXX XX/XX/XXXX statement confirms that I made a {$76.00} payment during the billing cycle ending XX/XX/XXXX. 

The XX/XX/XXXX statement shows a new balance of {$300.00}, and no indication of a past due amount, late fee, or delinquency. 

The Equifax credit report itself does not show any past due balance for XX/XX/XXXX in the XXXX payment history section which conflicts with the " XXXX '' late mark in the summary grid. 

These XXXX facts together demonstrate that the XX/XX/XXXX payment was not 30 days late, and that the late mark is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that this error be investigated and corrected, and that the XXXX late mark for XX/XX/XXXX be removed entirely from my credit report. 

Please find attached : XXXX XXXX Statement for XX/XX/XXXX ( showing payment made ) XXXX  XXXX Statement for XX/XX/XXXX ( showing no delinquency ) Screenshot of Equifax report ( showing no past due balance but showing XXXX late mark ) I appreciate your prompt attention to this matter and request written confirmation upon completion of the reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: HI

Complaint narrative:
I am writing to dispute the incorrect reporting of a XXXX late payment for XX/XX/XXXX on my XXXX XXXX account ending in XXXX. 

The reporting is inaccurate for the following reasons : My XXXX XXXX XX/XX/XXXX statement confirms that I made a {$76.00} payment during the billing cycle ending XX/XX/XXXX. 

The XX/XX/XXXX statement shows a new balance of {$300.00}, and no indication of a past due amount, late fee, or delinquency. 

The Equifax credit report itself does not show any past due balance for XX/XX/XXXX in the XXXX payment history section which conflicts with the " XXXX '' late mark in the summary grid. 

These XXXX facts together demonstrate that the XX/XX/XXXX payment was not 30 days late, and that the late mark is both inaccurate and misleading. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that this error be investigated and corrected, and that the XXXX late mark for XX/XX/XXXX be removed entirely from my credit report. 

Please find attached : XXXX XXXX Statement for XX/XX/XXXX ( showing payment made ) XXXX  XXXX Statement for XX/XX/XXXX ( showing no delinquency ) Screenshot of Equifax report ( showing no past due balance but showing XXXX late mark ) I appreciate your prompt attention to this matter and request written confirmation upon completion of the reinvestigation.

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 2025-07-21 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: WI

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2700.00}

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 2025-07-21 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I sent a formal debt validation request to LVNV Funding LLC under the Fair Debt Collection Practices Act ( FDCPA ). Their response failed to include any legal documentation to validate the debt, such as a signed contract or itemized statements showing how the balance was calculated. 

Despite this, they continue to report the account to the credit bureaus. This is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), as reporting a debt without proper validation is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: CA

Complaint narrative:
Somehow my account was placed in the fraud department of XXXX XXXX I'll ask them for was to replace my card I got my card replacement and then when I tried to activate my card they've demanded that I emailed them a copy of my ID I finally got my ID the email them a copy front and back it says 3 to 5 hours for them to verify it it's been 24 to 36 hours since I emailed them my identification and I haven't heard one single peep from them so far they told my money for the past 21 days of this month this is my federal benefit and I need my money to survive to pay rent to buy food and I've had nothing if I didn't have the friends that I have I would be totally screwed I probably be out on the street right now thank God that hasn't happened it show a clear lack of empathy for the customers well-being and they obviously don't care they they really have shown like absolutely no kind of empathy whatsoever for the for the chaos that they cause holding back people 's funds that need them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am writing to formally dispute a credit inquiry listed on my credit report from XXXX, dated XX/XX/year>. I did not authorize this inquiry, nor did I initiate any application for credit with this entity. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only appear on a credit report if they are authorized and related to a permissible purpose initiated by the consumer.

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 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SecureNet Loan Services LLC
State: TX

Complaint narrative:
( I ) the Borrower is describing highlights a potential issue with incomplete or misleading loan documentation, especially involving the Uniform Residential Loan Application and the land transaction statement. Is

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate and Harmful Account Reporting To Whom It May Concern, This letter serves as my formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding several negative items on my credit report which are either inaccurate, unverifiable, misleading, or outdated. These items are contributing to the unfair suppression of my creditworthiness and must be addressed with urgency and legal diligence. 

I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported as a charge-off with a balance of {$1100.00}. I dispute the current balance and the legitimacy of the charge-off. 
XXXX. DEPT OF ED/XXXX XXXX XXXX XXXXXXXX ) Shows XXXX delinquency as of XX/XX/XXXX. I challenge the accuracy of this report. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ) Includes multiple XXXX late notations across XXXX and XXXX. I request deletion or full documentation of alleged delinquencies. 
XXXX. XXXX XXXX XXXX ( # XXXX ) Reflects several late payments prior to account closure. The data is inconsistent and must be verified or removed. 

As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable reinvestigation of these items. If you can not verify any account with original documentation directly from the data furnisher, the law mandates immediate deletion ( 1681i ( a ) ( 5 ) ).

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I formally request the method of verification for each account listed above, including the name and contact of the reporting entity, and any supporting evidence provided.

Additionally, I am exercising my rights under 15 U.S.C. 1681b to opt out of any use or sharing of my consumer information that is not explicitly authorized by law.

I must also express grave concern about TransUnions history of data breaches and litigation, including the 2022 incident involving TLOxp data and a lawsuit by the Consumer Financial Protection Bureau ( CFPB ) for continued deceptive practices despite prior court orders. These events call into question the reliability of the information TransUnion maintains and distributes.

If the above accounts can not be verified in full compliance with the law, they must be deleted from my credit file within the statutory 30-day period. Continued misreporting constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, for which I reserve the right to pursue damages. 

Sincerely, XXXX XXXX XXXX XXXX ( last XXXX ) : 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 2025-07-21 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) The presence of the inaccuracy due to XXXX  and Experian Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. I attest that I have not authorized or consented to the reporting or reinsertion of inaccurate or fraudulent information by Experian, nor have I received proper notice as required by the FCRA following the reinsertion or frivolous information of such data : XXXX. { XXXX XXXX XXXX. Account # XXXX : Balance : {$950.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXX XXXX. Account # XXXX : Balance : {$520.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXX XXXX Account # XXXX : Balance : {$0.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXX XXXX. Account # XXXX : Balance : {$380.00}. Fraud Established : XX/XX/XXXX } XXXX. { XXXX XXXX, XXXX Account # XXXX : Balance : {$310.00}. Fraud Established : XX/XX/XXXX } I further assert that Experian has failed to provide a meaningful investigation or resolution in accordance with my rights under 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681i ( 5 ) ( B ) ( ii )- ( iii ). I understand that this attestation is made in good faith and is a necessary step in asserting my legal rights. This statement is true and not misleading, my consumer rights has been violated.

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 2025-07-21 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: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX Tn XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Immediate Deletion Request for Unverified Accounts To Whom It May Concern, I am writing to request the immediate deletion of the following accounts from my credit file. I submitted formal complaints to the Consumer Financial Protection Bureau ( CFPB ) regarding these accounts XXXX  days ago, and as of XX/XX/XXXX, none of the companies listed below have provided any response, documentation, or validation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their complete failure to respond to a federal investigation is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Since the information they furnished can not be verified or supported, I am demanding the immediate removal of these accounts from all credit reporting records. 

Please provide written confirmation once the deletions have been processed. I have included the necessary documents to verify my identity. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief