vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00}

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 2025-07-03 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: NV

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 Balance Owed : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NV

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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 Balance Owed : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$370.00}

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: DC

Complaint narrative:
I disputed a collection account reporting inaccurately on my credit report. I requested verification of the debt, including a signed contract, billing history, and proof that the company legally owns the debt. The company failed to provide any of this documentation. Despite my dispute, the account remains on my credit report, damaging my credit unfairly. I have never received proper notice or validation of this debt. I am requesting the removal of this unverifiable and inaccurate item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 have disputed multiple inaccurate and unverifiable accounts on my Equifax credit report XXXX separate times, and Equifax continues to return them as verified without providing any proof or documentation. 

I demanded copies of original signed contracts, payment ledgers, and proof of ownership ( in the case of collections ). Instead, Equifax relies on automated e-OSCAR responses and third-party data from XXXX, XXXX a dismissed bankruptcy that was never verified with the court ( XXXX  ). 

This is a clear violation of XXXX XXXX. XXXX ( a ) ( failure to reinvestigate ) and XXXX ( b ) ( furnishing inaccurate information ). They are required to delete information that can not be verified per the law, and yet they continue to publish misleading and damaging tradelines. 

I have attached my formal ACDV dispute letter to Equifax, along with legal citations, and I demand that the CFPB hold them accountable. This is willful noncompliance, and I request your urgent intervention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am writing to formally dispute a debt that has been inaccurately reported on my credit report. I demand your immediate attention to this matter, as it is causing significant harm to my financial standing. 
I have requested verification numerous times, and have yet to hear back. 
And Im also receiving harassing phones calls. Which again is violating my rights. Not once have they verified any of this information to me. 


Company information XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX Amount {$1900.00} I dispute this debt on the grounds that Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debt reported against me. I demand to know how this debt was verified and request that you provide me with all documentation supporting the validity of this claim. 

Failure to provide this verification will be considered a violation of my rights under these laws, and I will not hesitate to escalate this matter further if necessary. 

I expect a prompt response to this urgent issue, as it is critical to my financial well-being. Please treat this matter with the seriousness it deserves. 

Thank you for your immediate attention to this dispute.

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 2025-07-03 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: SC

Complaint narrative:
XXXX XXXX Account number XXXX I am filing a formal complaint against XXXX XXXX and the XXXX XXXX  credit bureaus ( Experian, XXXX, and XXXX  ) for reporting XXXX inaccurate and unverifiable late payments on my XXXX XXXX account. 

XXXX XXXX XX/XX/year> XX/XX/year> These late payments are negatively impacting my credit profile and were submitted without full compliance to Metro 2 industry reporting standards and FCRA Section 611 ( a ).

I have submitted disputes to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 compliance ( including base segment coding and condition codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty. 

Specifically : No proof has been provided of proper delinquency coding format per Metro 2 No reporting of any " Compliance Condition Codes '' as required No records of hardship, deferral, or grace periods acknowledged No detailed method of verification provided by the data furnishers I am now requesting that the CFPB enforce a full reinvestigation into the legitimacy of these entries and demand their permanent deletion if full compliance and verification can not be proven within 30 days. 

These lates were either : Reported inaccurately Verified without proper documentation Or coded in a way that violates Metro 2 & FCRA rules This complaint is being filed to protect my rights under the Fair Credit Reporting Act and to ensure that only 100 % verifiable, accurate, and lawfully reported data remains on my consumer credit file. 

I am attaching supporting documentation and demand an immediate reinvestigation and deletion if the furnishers and bureaus can not provide full proof of accuracy.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX Account number XXXX I am filing a formal complaint against XXXX XXXX and the XXXX XXXX  credit bureaus ( XXXX, XXXX, and TransUnion ) for reporting XXXX inaccurate and unverifiable late payments on my XXXX XXXX account. 

XXXX XXXX XX/XX/year> XX/XX/year> These late payments are negatively impacting my credit profile and were submitted without full compliance to Metro 2 industry reporting standards and FCRA Section 611 ( a ).

I have submitted disputes to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 compliance ( including base segment coding and condition codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty. 

Specifically : No proof has been provided of proper delinquency coding format per Metro 2 No reporting of any " Compliance Condition Codes '' as required No records of hardship, deferral, or grace periods acknowledged No detailed method of verification provided by the data furnishers I am now requesting that the CFPB enforce a full reinvestigation into the legitimacy of these entries and demand their permanent deletion if full compliance and verification can not be proven within 30 days. 

These lates were either : Reported inaccurately Verified without proper documentation Or coded in a way that violates Metro 2 & FCRA rules This complaint is being filed to protect my rights under the Fair Credit Reporting Act and to ensure that only 100 % verifiable, accurate, and lawfully reported data remains on my consumer credit file. 

I am attaching supporting documentation and demand an immediate reinvestigation and deletion if the furnishers and bureaus can not provide full proof of accuracy.

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 2025-07-03 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: SC

Complaint narrative:
XXXX XXXX Account number XXXX I am filing a formal complaint against XXXX XXXX and the XXXX XXXX  credit bureaus ( XXXX, Equifax, and XXXX  ) for reporting XXXX inaccurate and unverifiable late payments on my XXXX XXXX account. 

XXXX XXXX XX/XX/year> XX/XX/year> These late payments are negatively impacting my credit profile and were submitted without full compliance to Metro 2 industry reporting standards and FCRA Section 611 ( a ).

I have submitted disputes to the credit bureaus and requested the method of verification, timestamp of delinquency, and proof of Metro 2 compliance ( including base segment coding and condition codes ). The credit bureaus failed to respond with adequate documentation and instead verified the item generically without fulfilling their legal duty. 

Specifically : No proof has been provided of proper delinquency coding format per Metro 2 No reporting of any " Compliance Condition Codes '' as required No records of hardship, deferral, or grace periods acknowledged No detailed method of verification provided by the data furnishers I am now requesting that the CFPB enforce a full reinvestigation into the legitimacy of these entries and demand their permanent deletion if full compliance and verification can not be proven within 30 days. 

These lates were either : Reported inaccurately Verified without proper documentation Or coded in a way that violates Metro 2 & FCRA rules This complaint is being filed to protect my rights under the Fair Credit Reporting Act and to ensure that only 100 % verifiable, accurate, and lawfully reported data remains on my consumer credit file. 

I am attaching supporting documentation and demand an immediate reinvestigation and deletion if the furnishers and bureaus can not provide full proof of accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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.
State: NV

Complaint narrative:
* * Subject : * * Dispute of Inaccurate Late Payment Information and account status Request for Correction and if not verified [ deletion ] I am writing to formally dispute the accuracy of certain late payment entries and account status appearing on my credit report, which I obtained from your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate, incomplete, or outdated. 

The specific item ( s ) I am disputing are as follows : - * * Accounts Name : * * [ XXXX XXXX ] [ XXXX ] [ XXXX ] The reason for my dispute is that these late payment entries and account status are incorrect. 

According to the FCRA, your agency is required to investigate my dispute within 30 days of receipt of this letter. If the disputed information is found to be inaccurate or can not be verified, it must be corrected or removed from my credit report. 

Please conduct a thorough investigation and, upon completion, send me a written statement confirming the results of your investigation and a copy of my updated credit report reflecting any amendments made. 

Thank you for your prompt attention to this matter. 

XXXX XXXX - information is wrong that they reported on my report, account was closed by consumer and no late payments ever made XXXX XXXX  - information is wrong that they reported on my account. Account was closed by consumer and no late payments were made XXXX XXXX  - information is wrong that they reported on my account. Account was closed by consumer and no late payments were made

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 2025-07-03 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: NV

Complaint narrative:
* * Subject : * * Dispute of Inaccurate Late Payment Information and account status Request for Correction and if not verified [ deletion ] I am writing to formally dispute the accuracy of certain late payment entries and account status appearing on my credit report, which I obtained from your bureau. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information that I believe is inaccurate, incomplete, or outdated. 

The specific item ( s ) I am disputing are as follows : - * * Accounts Name : * * [ XXXX XXXX ] [ XXXX ] [ XXXX ] The reason for my dispute is that these late payment entries and account status are incorrect. 

According to the FCRA, your agency is required to investigate my dispute within 30 days of receipt of this letter. If the disputed information is found to be inaccurate or can not be verified, it must be corrected or removed from my credit report. 

Please conduct a thorough investigation and, upon completion, send me a written statement confirming the results of your investigation and a copy of my updated credit report reflecting any amendments made. 

Thank you for your prompt attention to this matter. 

XXXX XXXX - information is wrong that they reported on my report, account was closed by consumer and no late payments ever made XXXX XXXX  - information is wrong that they reported on my account. Account was closed by consumer and no late payments were made XXXX XXXX  - information is wrong that they reported on my account. Account was closed by consumer and no late payments were made

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Many hard inquiries was unauthorized on my credit report these items shall be removed because its a violation of federal law according to 15 US Code 1681 there are multiple hard inquiries which are 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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