vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # : XXXX XXXX XXXX XX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXT - XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 have violated my rights. 

And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2, they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-29 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:
The hard inquiries listed on my credit report were not authorized by me and do not belong to me. I believe they are a result of unauthorized activity or potential fraud. Specifically, the following inquiries need to be removed : Company : XXXX. Date of Inquiry : XX/XX/XXXX Experian Company : XXXX XXXX OF XXXX XXXX XXXX Inquiry : XX/XX/XXXX Experian Company : XXXX XXXX. Date of Inquiry : XX/XX/XXXX Experian Company : XXXX XXXX  XXXX. Date of XXXX : XX/XX/XXXX Experian

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 2025-06-29 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: FL

Complaint narrative:
My credit has been compromised due to identity theft. There are accounts and activities on my credit report that I did not authorize and that are not mine. These inaccurate entries are the result of someone fraudulently using my information.

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 2025-06-29 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-29 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: MN

Complaint narrative:
On XX/XX/year>, I submitted a written request for debt validation to XXXX XXXX XXXX ( XXXX ) in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). I requested the following : The name and address of the original creditor, A breakdown of the amount allegedly owed, Documentation proving I owe the debt ( such as a contract or signed agreement ), and Evidence that XXXX has the legal right to collect on the debt. It has now been over 90 days, and I have received no response whatsoever. XXXX has not provided any documentation or acknowledgment of my dispute, and I believe they are in violation of FDCPA 1692g ( b ), which requires collectors to cease collection activity until proper validation is provided. If this debt is being reported to credit bureaus, this lack of response also raises concerns about inaccurate or unverified credit reporting, which would violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I am acting in good faith and expect XXXX to respect my legal rights by providing the required validation and ceasing collection efforts until they comply.

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 2025-06-29 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: MN

Complaint narrative:
On XX/XX/year>, I submitted a written request for debt validation to XXXX XXXX XXXX ( XXXX ) in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). I requested the following : The name and address of the original creditor, A breakdown of the amount allegedly owed, Documentation proving I owe the debt ( such as a contract or signed agreement ), and Evidence that XXXX has the legal right to collect on the debt. It has now been over 90 days, and I have received no response whatsoever. XXXX has not provided any documentation or acknowledgment of my dispute, and I believe they are in violation of FDCPA 1692g ( b ), which requires collectors to cease collection activity until proper validation is provided. If this debt is being reported to credit bureaus, this lack of response also raises concerns about inaccurate or unverified credit reporting, which would violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I am acting in good faith and expect XXXX to respect my legal rights by providing the required validation and ceasing collection efforts until they comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Michael Wayne Investment
State: VA

Complaint narrative:
this collection was in a XXXX  and i asked them to remove it from my report

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 2025-06-29 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 recently review my credit report and notice XXXX XXXX in account number XXXX is reporting inaccurately. The account is only showing late payments in Experian. The other credit reports such as XXXX  and XXXX  does not have any late payments for this account. I am now requesting proof of the previous investigation. Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name and phone number as well as documentation that proves this account was late. If you can not provide me with this information then please update the account to PAID/NEVER Late for XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Once completed please send me a copy of my updated credit report.

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 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines. 
As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. 
I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed.

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 2025-06-29 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: MD

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines. 
As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. 
I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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:
According to 15 USC 1681s-2, I have the right to dispute inaccurate and unverifiable information that's on my credit report. I have disputed multiple times with the credit bureaus, and it's still coming back as updated and verified without a proper investigation. The company failed to send me any of the information I requested, even with my other complaint, s they never sent verification of the original contract bearing my signature and explanation of the amount and how it was calculated.

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 2025-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
So they have on the website that they havent recieved a payment from me since XXXX. I have been sending money orders cause they have had problems in the past receiving my online payments. Sending them back and me having to send it back the next day. I've sent three money orders. Which they claim not to have but I have the money orders customer reciepts and the money orders payments and dates add up on the transaction history but they swear they dont have them and blame the bank or institution that they were sent from

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern, This is a formal post-verification dispute and request for deletion regarding the following account, which remains inaccurately reported in violation of Metro 2 formatting guidelines and the Fair Credit Reporting Act ( FCRA ) despite your claimed verification. 

Account Information : Creditor : XXXX XXXX XXXX XXXX  Account Type : Auto Loan Account Number ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Original Balance : {$19000.00} Charge-Off Date : XX/XX/XXXX Status Reported : Charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX Balance : {$6600.00} Why This Verification is Invalid Under Metro 2 and FCRA 1 . Metro 2 Violation Re-aging of Debt The account was charged off in XX/XX/XXXX, yet it is being reported as past due as of XXXX and XX/XX/XXXX. This is a chronological impossibility and violates Metro 2 formatting rules which prohibit updating past due dates after charge-off status is applied. Charge-off = final delinquency. 

XXXX. FCRA 623 ( a ) ( 1 ) ( A ) Violation Inaccurate Furnishing of Information Reporting an account as simultaneously charged off and still past due as of a future date misleads creditors and misrepresents the legal status of the debt. This is incomplete and inaccurate under federal law. 

XXXX. FCRA 611 ( b ) ( 1 ) Violation Inadequate Reinvestigation Your verification failed to include any : Signed contract Complete payment history Charge-off documentation Explanation for why XXXX XXXX dates appear after a XXXX charge-off Simply restating account data does not qualify as verification under the FCRA. 


Demand for Deletion Due to your failure to furnish accurate and Metro 2compliant information, and the continued reporting of misleading status fields, I am formally requesting the immediate and permanent deletion of this account from all consumer reporting agencies. 

Under FCRA 611 ( a ) ( 5 ) ( A ), if you can not verify the account in a legally sufficient and compliant format, you must delete the information from my credit file.

Final Notice If this is not resolved within 15 business days, I will file formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX Attorney Generals Office Continued non-compliance may subject your organization to civil liability under FCRA 616 and 617, for which I will pursue all available remedies. 

Sincerely, XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX  XXXX, MD 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 2025-06-29 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: WI

Complaint narrative:
The account in question is : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX As you can see from the enclosed copy of my report, this account has a status of " CHARGE_OFF ''. However, the payment history shows a " CO '' ( Charge Off ) being reported month after month for several years. A charge-off is a one-time event reflecting the final status of an account. The ongoing monthly reporting of a charge-off is misleading, inaccurate, and does not correctly reflect the actual history of the account. This repeated negative entry unfairly and improperly harms my credit score.

This method of reporting is a clear violation of the FCRA 's mandate for maximum possible accuracy.

Given the non-compliant and inaccurate manner in which this account is being reported, I demand that this entire tradeline be deleted from my credit file immediately.

Please investigate this matter and remove the account and all associated delinquencies from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
I asked this company why they were reporting my credit on my report, because they are not the original person with whom I was doing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation