vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent
noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. Equifax {$18.00} million ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} million settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
This is my second formal dispute regarding inaccurate information being reported by all three major credit bureaus concerning a XXXX XXXX XXXXXXXX account ( # XXXX ). Each bureau previously claimed the account was verified during my initial dispute. However, the furnisher, XXXX XXXX XXXX, responded with a letter dated XX/XX/year>, that failed to provide legally required debt validation. 

Evidence of Noncompliance XXXX XXXX XXXXXXXX failed to provide : - A copy of the original signed agreement - A full payment history - Documentation of legal authority to report the debt Despite this, the credit bureaus continued reporting the account with multiple unresolved discrepancies : - Different dates opened across bureaus - Conflicting high balances - Contradictory account statuses ( e.g., Paid vs. Derogatory ) - Charge-off reported with {$0.00} balance - Inconsistent dates of last activity - Misleading and conflicting remarks/comments Legal Violations Fair Credit Reporting Act ( FCRA ) : - 607 ( b ) : Failure to ensure maximum possible accuracy - 611 : Failure to properly investigate disputed information Fair Debt Collection Practices Act ( FDCPA ) : - Continued reporting and collection without proper validation of debt Requested Resolution I am requesting that the credit bureaus immediately DELETE the XXXX XXXX XXXXXXXX account from all of my credit reports. They should not continue to report unverifiable and inaccurate information. I also request written confirmation that the account has been removed. If they can not provide legally valid documentation, they are required by law to delete the account under the FCRA.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with 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 explanation
Consumer complaint received 2025-07-15 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: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX  days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute an inaccurate hard inquiry on my credit report. I did not initiate or authorize this credit pull, and I have no relationship with the company responsible.

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 2025-07-15 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX, XXXX, XX/XX/year>.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Despite numerous appeals, volumes of evidence, visits to branch offices, Wells Fargo fraud dept. refuses to accept or examine my fraud claim of {$6200.00}. Interest charges in the amount of {$590.00} have accrued.

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 2025-07-15 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: AL

Complaint narrative:
Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this 1 unverifiable inquiry from my credit report. XXXX XXXXXXXX XXXX : XX/XX/year>. In addition, I didn't give you permission ( Transunion ) too furnish this information on my credit report which is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is a serious breach of my rights.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PROFESSIONAL SOLUTIONS GROUP
State: OK

Complaint narrative:
As of XX/XX/XXXX i was served with a letter from a closed dealership named XXXX XXXX  that I will be arrested if I dont show to court. I was sold a XXXX XXXX XXXX, had it about months. Due to the car randomly not starting one day due to a bad transmission, per XXXX XXXX XXXX came to my apartment back in 2014 to pick up the car. I was still forced to make payments, after they closed down due to bad business all around, my checks were garnished from XXXX  call center. I then got a public report saying this case was closed but they are threatening me, this company doesnt exist anymore. The credit people wont answer the phone and it goes straight to XXXX. The letter I received doesnt have an amount on it, its a XX/XX/XXXX court date and threatening to arrest me. That is it. I dont know whats going on but this place closed down 12 years ago and Im being threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To whom it may concern, I, XXXX XXXX, never gave Experian, Transunion or Equifax any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THESE UNAUTHORIZED INQUIRES LISTED BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY. 
PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS. 
As a consumer, I am demanding a deletion of the following ALL unauthorized inquires reporting on my credit report. 

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 explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am the personal rep for my deceased moms estate. She had chase bank accounts. The estate was finalized so the chase bank accounts were closed. There was a {$300.00} balance in the account. A check for {$300.00} was sent in my moms name. I went to cash it and was told since its made payable to my mom I would have to open a new estate account in order to cash it. I sent the estate rep docs and death certificate. The legal department is rejecting them because they said the estate doc is expired. We do not see any expiration date on the estate rep docs. We called and went into the branch twice and keep getting the runaround. The original account should have remained open until the check was issued and cashed or should have been made in my name. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
I mailed a dispute to Experian on XX/XX/year>, regarding an account reported by XXXX XXXX XXXX. I requested verification under the Fair Credit Reporting Act ( FCRA ), including proof of my alleged obligation to this debt, the original creditors name and contract, and that XXXX XXXX XXXX had responded to my dispute. I included an FTC identity theft affidavit, a water bill as proof of address, and mailed this via certified mail with tracking. 

XXXX XXXX XXXX never responded to my mailed dispute. Despite this, Experian continued to report the account and updated it on XX/XX/year>, marking it as Closed, {$1100.00} written off. This violates FCRA 15 USC 1681i ( a ) and 15 USC 1681s-2 ( b ), which require Experian to delete unverifiable or disputed information when the data furnisher fails to verify.

I am requesting that the account be permanently deleted from my Experian credit file for failure to respond and failure to verify under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
TransUnion refused to block fraudulent accounts per my FTC Identity Theft Report ( FCRA 605B ). They demanded unnecessary documentation and delayed action. I demand immediate blocking of accounts attached from previous correspondence sent to them.

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 2025-07-15 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my states consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX inquiries as reported. The aforementioned accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX inquiries are the result of identity theft and fraud.

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 2025-07-15 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: MT

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation