vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate personal information listed on my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ) ).

This incorrect information includes wrong addresses, and employers that I have never been associated with. Below are the specific details of the inaccuracies that need to be corrected. 
Inaccurate Information : XXXX. **Wrong Addresses : ** - **Incorrect Address # XXXX : ** XXXX XXXX XXXXXXXX, MA XXXX XXXX **Incorrect Address # XXXX : ** XXXX XXXX XXXX, XXXX, MA XXXX - XXXX Address : ** XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX : ** - **Incorrect Employer # XXXX : ** XXXX - XXXX Employer : ** XXXX XXXX Actions Requested : XXXX. Remove Incorrect Addresses : Please remove the incorrect addresses listed above from my credit report. 
XXXX. Remove Incorrect Employers : Please remove the incorrect employers listed above from my credit report. 
Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID. 
- A copy of my Social Security Number.- A copy of document showing my correct address.Impact : These inaccuracies have the potential to a affect my creditworthiness and cause confusion in my credit pro file. It is essential that my credit report contains accurate and up-to-date information. 
Desired Resolution : I am requesting that TransUnion promptly investigate and correct these inaccuracies. Please confirm in writing once the corrections have been made and provide me with an updated copy of my credit report. 
Thank you for your immediate attention to this matter. I look forward to your prompt resolution of these inaccuracies.

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 2025-04-09 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) for multiple charge-off accounts that remain on my credit report despite formal disputes. 

The accounts in question are : Account name XXXXXXXX XXXX XXXX  XXXX Account number XXXX Balance {$0.00} Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Balance {$3300.00} Account name XXXXXXXX XXXX Account number XXXX Balance {$150.00} I previously submitted disputes to the credit bureaus and/or directly to the furnishers, citing FCRA 611 and FCRA 623 ( a ) ( 8 ), yet these accounts remain unchanged and unverifiable.

In addition, if these accounts were the result of identity theft, they should have been blocked per FCRA 605B. I have attached : FTC Identity Theft Report Copy of ID Copy of Social Security Card Legal Document to verify address

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
To Whom It May Concern, I am filing a dispute regarding my XXXX XXXX XXXX XXXX account ( Acct # : XXXX ). 

Discrepancies include : - Paid charge-off only reported on XXXX bureau - Inconsistent reporting of activity dates- Status not clearly marked as resolved I am exercising my rights under : - FCRA 611 ( a ) : Dispute investigation - 607 ( b ) : Accurate reporting obligation - 623 ( a ) ( 1 ) : Avoidance of knowingly false data Please provide documentation of the reinvestigation or remove this account for failure to meet legal standards. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
To Whom It May Concern, I am filing a dispute regarding my XXXX XXXX XXXX XXXX account ( Acct # : XXXX ). 

Discrepancies include : - Paid charge-off only reported on XXXX bureau - Inconsistent reporting of activity dates- Status not clearly marked as resolved I am exercising my rights under : - FCRA 611 ( a ) : Dispute investigation - 607 ( b ) : Accurate reporting obligation - 623 ( a ) ( 1 ) : Avoidance of knowingly false data Please provide documentation of the reinvestigation or remove this account for failure to meet legal standards. 

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 2025-04-09 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: PA

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX XXXX  ( Account # XXXX ) which appears on my credit report as a closed and charged-off account with 19 months of negative reporting. This account is being reported with major inaccuracies and in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : The balance reported is {$830.00}, which exceeds the credit limit of {$600.00}. This overlimit reporting on a closed/charged-off account is both inaccurate and misleading. 
The account continues to show months of late payments after it was already charged off, which is a known violation of FCRA guidelines and unfair reporting practices. 
The payment history is inconsistentshowing gaps with no payment data while still assigning negative statuses. There are months with no reported activity marked as derogatory. 
There is no monthly payment listed for this revolving credit card account, yet it continues to report a past due balance. 
The same account is being reported under inconsistent names such as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' which creates confusion and the appearance of duplicate derogatory entries. If this is the case across credit bureaus, this is a violation of 15 U.S.C. 1681i and 1681s-2. 
There is no indication that the debt was validated as required by the FCRA and FDCPA, especially considering the inconsistencies in the data reported. 
I have attempted to dispute this information, and it remains inaccurately reported across the credit bureaus. I am demanding immediate deletion of this account from all consumer reporting agencies ( Experian, TransUnion, and Equifax ) due to inaccurate, misleading, and unverifiable reporting that is damaging my creditworthiness.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: LEXISNEXIS
State: FL

Complaint narrative:
am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint XXXX attached ). 
I kindly request that you block and remove all information related to this incident from my credit report

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: 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 following up to formally request the removal of the items from my report that I previously asked to be deleted. Although I submitted this request several months ago and provided all necessary documentation, the items still appear on my account. I would appreciate an explanation for the delay and clarification on the steps needed to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: VA

Complaint narrative:
I am disputing a rental debt reported by Hunter Warfield on my XXXX credit report. I have never received any documentation validating this debt no lease, no itemized charges, no billing statement from either XXXX or Hunter Warfield. Despite this, XXXX marked the account verified. 

On XX/XX/year>, I contacted XXXX and spoke with a representative named XXXX ( call confirmation number XXXX ). When I asked what documentation was used to verify the debt, XXXX stated that no documentation is required, XXXX does not retain or review evidence, and he could not tell me what was used to verify the account. I requested to escalate the call and was told supervisors were not available. I was offered no resolution and no transparency. 

The apartment complex associated with the reported debt was owned by multiple different companies, and those companies have admitted to billing issues and incorrect charges during those transitions. I have never received a breakdown of the charges, an explanation of how the balance was calculated, or who submitted the debt. 

This same account was removed by XXXX due to lack of verification. It is unclear how XXXX was able to verify it when no party has provided any documentation to me. 

XXXX has failed to conduct a reasonable investigation under FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cash app got scammed and hacked had to change my card and everything!

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 — Account status incorrect
Company: Experian Information Solutions Inc.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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: 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 previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion 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 TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I logged into my experian account after being locked out a while. Many different inaccuracies are in there. According to the fair credit reporting act. My credit report should be 100 % accurate. There are many addresses on my report that are undeliverable and unknown to me. Unknown employment etc. This is to clarify my information once and for all according to consumer law. Please rectify this asap, for its hindering my progress in life. 

XXXX XXXX email XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX nc XXXX No employer. 
This is the only information that is valid to be on my report. Delete all frivolous addresses and names etc.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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: AZ

Complaint narrative:
I am writing to formally dispute XXXX or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. 

According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. Since I did not authorize this inquiry, I respectfully request that you :

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am submitting a complaint regarding an account reported by EXETER FIN on my credit report. The account is listed with a remark stating Profit and Loss Write-Off. I submitted a formal dispute through the credit bureaus requesting verification and proper documentation to support this negative reporting. 

To date, no supporting documentation has been provided, and the information remains on my report. This violates the Fair Credit Reporting Act ( FCRA ), which states that unverified or inaccurate information must be corrected or removed within 30 days. 

I am requesting that this account be removed from my credit report or verified with legitimate and complete documentation. This situation is negatively affecting my credit score and financial opportunities, and I have the right to accurate reporting under federal law. 

Please investigate this matter and assist in ensuring EXETER FIN is held accountable for accurate and lawful reporting practices.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax and Transunion Dispute Department, This letter serves as a follow-up to my original dispute submitted on [ insert date ], regarding the collection account listed under : XXXX XXXX  Account number XXXX - Date opened XX/XX/XXXXXXXX  and XXXX XXXX Account number XXXX Date opened XX/XX/XXXX on my credit report. I formally requested full verification and documentation showing that this debt is mine and that it is being reported accurately under the Fair Credit Reporting Act ( FCRA ). 

To date, I HAVE NOT received sufficient documentation or validation of the debt as requested. The only response provided was a generic statement that the furnisher verified the information. This does not meet the standard of verification as outlined under the FCRA and FDCPA Furthermore, these same accounts have already been removed from XXXX serving unauthorized and unverifiable.

Company response to consumer: Closed with non-monetary relief