vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX, FL XXXX ] [ XXXX ] XXXX ] [ XX/XX/XXXX ] Transunion [ Address of Credit Bureau ] Subject : Request for Removal of Outdated Information under FCRA Section 605 Dear [ Equifax / Experian / TransUnion ], I am writing to formally request the removal of outdated negative information from my credit report as provided under Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S. Code 1681c ). 
Upon reviewing my credit report, I found the following account ( XXXX ) that have exceeded the legally allowed reporting period : Account Name/Creditor : [ Name ] Account NumbDate of First Delinquency / Charge-Off / 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 XXXX XXXX XXXX XXXXXXXX Closed on XX/XX/XXXXXXXX XXXX XXXX  Closed on XX/XX/XXXX According to FCRA Section 605 ( a ) : " No consumer reporting agency may make any consumer report containing any of the following items of information : ( 13 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' Since the date of first delinquency on this account exceeds the 7-year reporting limit, I am requesting that this account be removed from my credit file immediately. Please conduct your investigation and provide me with written confirmation of the removal or correction within the 30-day time frame allowed under the FCRA.

I have enclosed a copy of my government-issued ID and proof of address for verification purposes. 
Thank you for your prompt attention to this matter. 
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 2025-09-13 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.

Account Number : XXXX  Please remove it from my credit report. 

11. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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 is reporting multiple inaccurate accounts that are not mine. I never opened, authorized, or applied for these accounts. I previously submitted disputes with an attached FTC Identity Theft Report and supporting identification documents. Despite my efforts, TransUnion has failed to remove these fraudulent accounts, and they continue to appear on my credit file, which is damaging to me both personally and financially.

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 2025-09-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-13 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$10000.00}, Department Of Education XXXX XXXX {$1100.00}, Department Of Education XXXX XXXX {$530.00}, Department Of Education XXXX XXXX {$1600.00}, Department Of Education XXXX XXXX {$380.00}, XXXX XXXX XXXX XXXX {$420.00}, XXXX XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$2600.00}, XXXX XXXX {$1100.00}, 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 non-monetary relief
Consumer complaint received 2025-09-13 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 Presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX Balance {$10000.00}, Department Of Education XXXX XXXX {$1100.00}, Department Of Education XXXX XXXX {$530.00}, Department Of Education XXXX XXXX {$1600.00}, Department Of Education XXXX XXXX {$380.00}, XXXX XXXX XXXX XXXX {$420.00}, XXXX XXXX XXXX {$2600.00}, XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$3500.00}, XXXX XXXX XXXX {$2600.00}, XXXX XXXX {$1100.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IL

Complaint narrative:
UNIVERSAL/DISABILITY ACCOMMODATION REQUEST ( GLOBAL ) : Because of a documented hand/dexterity XXXX and significant finger pain, I require all communications in this case to be delivered as plain text inside the CFPB portal chat onlyno file attachments, downloads, links, or phone calls. Please use short, numbered bullets. I ask the CFPB to note this reasonable-accommodation request and instruct the company to comply. 
Consumer Financial Protection Bureau +2 Consumer Financial Protection Bureau +2 Summary : Around late XX/XX/year>, Gemini changed withdrawal verification from ACH to wire without notice, preventing me from withdrawing funds when needed. I had to go in-person to my bank due to the new wire requirement. A bank representative ( disinterested third party ) witnessed the transaction and stated ACH would ordinarily suffice ; however, I reasonably believed I had no choice but to send a wire because I needed funds to pay bills.

Why this was unreasonable : I had already told Gemini that the sudden wire-only requirement was an undue burden given my XXXX ( severe finger pain limits clicks and travel ). Further, my same bank account had been regularly paying > {$1000.00} to my Gemini Credit Card, demonstrating ownership/usage of that account. 

Harm caused : Because Gemini didnt timely apply the wire and I could not complete a normal ACH withdrawal, I missed essential payments ( e.g., car insurance ). Shortly after, Gemini reversed course and again allowed ACH verification, underscoring how arbitrary and harmful the temporary requirement was to a XXXX customer. 

My attempts to resolve : I opened multiple tickets and asked for an accommodation before and after the change ( example Ticket IDs seen in my email : XXXX, XXXX, XXXX, etc. ). I explained that the wire-only step created avoidable friction and pain for me, and that ACH verification should remain available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: IL

Complaint narrative:
I am filing this complaint because EQUIFAX continues to report inaccurate and unverifiable information on my consumer credit file. 

The XXXX XXXX account is being reported with derogatory notations that are inconsistent, misleading, and not substantiated with proper documentation. This violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and CFPB guidance requiring maximum possible accuracy. Despite prior disputes, EQUIFAX has failed to provide proof validating the accuracy of this reporting. 

In addition, TRULIANT FEDERAL CRE appears as a hard inquiry on my file dated XX/XX/year>. I never authorized this creditor to access my credit report. The reporting of this inquiry without permissible purpose violates FCRA 604 ( a ) and constitutes an impermissible use of my consumer report.

Violations Include : Failure to maintain maximum possible accuracy in consumer reports ( FCRA 1681e ( b ) ).

Failure to conduct a proper reinvestigation ( FCRA 1681i ).

Continued furnishing of unverifiable derogatory account data ( FCRA 623 ).

Reporting and maintaining an unauthorized inquiry without a permissible purpose ( FCRA 604 ( a ) ).

Violation of Metro 2 compliance standards regarding accurate data furnishing and inquiry reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
I am paying what I can afford, in the beginning the company agreed to accept the amount that was agreed to, then after accepting the agreement amount I received a call saying that the amount wont stop the debt from going to collections which will be submitted on my credit report while I am paying the agreed amount in the first place In other words they went back on the agreement which was made and accepted in the beginning of this verbal agreement which I took as a verbal contract. Between the consumer myself and the debt collector

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 2025-09-13 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts, and their presence on my credit file is false, misleading, and unacceptable. This inaccurate reporting is damaging my credit and causing significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: GA

Complaint narrative:
Complaint Regarding Inaccurate Reporting of Accounts Included in Bankruptcy To Whom It May Concern, I am submitting this complaint regarding inaccurate and misleading credit reporting by the credit reporting agencies and the listed creditors in connection with my Chapter XXXX Bankruptcy, which was discharged on XX/XX/year> in the U.S. Bankruptcy Court ( Case No. XXXX ). 

Although my debts were legally discharged, several accounts continue to be reported inaccurately as derogatory, charge-offs, collections, or with outstanding balances instead of properly showing {$0.00} balance, included in bankruptcy, and discharged. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act, as the information being furnished is both inaccurate and misleading. 

The following accounts are being reported incorrectly across TransUnion, Experian, and Equifax : XXXX XXXX {$15000.00} ( reported as charge-off/collection ) XXXX XXXX {$13000.00} ( inconsistent reporting across bureaus ) XXXX  {$28000.00} and {$7000.00} ( charge-off/collection ) XXXX {$490.00} ( charge-off/collection ) XXXX XXXX {$3700.00} XXXX charge-off/collection XXXX XXXX {$2100.00} ( charge-off/collection ) Capital XXXX {$3700.00} ( charge-off/collection ) XXXX {$1300.00} ( charge-off/collection ) XXXX XXXX {$3300.00} ( charge-off/collection ) XXXX XXXX XXXXXXXX {$650.00} ( charge-off/collection ) XXXX {$2900.00} ( charge-off/collection XXXX XXXX {$550.00} XXXX charge-off/collection ) These accounts were legally discharged in bankruptcy and must not be reported as having balances owed, past due amounts , or charge-offs. Creditors and bureaus are required under the Bankruptcy Code ( 11 U.S.C. 524 ) and the FCRA to update reporting to accurately reflect the discharge.

Requested Resolution : Delete the above-listed accounts Ensure all three major credit reporting agencies update my file to comply with federal law. 

Investigate and hold the furnishers accountable for furnishing inaccurate information. 

I have attached copies of the inaccurate accounts directly from my credit report along with my ID

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 2025-09-13 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: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate reporting of a late payment by this creditor to TransUnion. Their records incorrectly show a payment as late, even though it was made on time. This false reporting continues to damage my credit score and overall standing.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I found the following discrepancies with the account in question : XXXX. Impossible Future Dates : The balance is listed as updated on XX/XX/XXXX, which is impossible since it reports a future date beyond today. XXXX. Contradictory Status : The account is marked as Closed and Charged Off, while also showing a balance of {$1600.00} past due as of XX/XX/XXXX. A charged-off account should not continue to show as past due each month. XXXX. Payment History Errors : My payment grid reflects CO ( charge off ) repeatedly for XXXX, XXXX, and XXXX. A charge-off is a one-time event, not a recurring monthly status. XXXX. Balance and Usage Inconsistency : The account reports a {$1600.00} balance with a {$1200.00} credit limit but shows only 100 % utilization. This calculation is mathematically inaccurate, as the utilization would be over 100 %. XXXX. Unverifiable Information : Key fields are missing, including Monthly payment ( listed as ) and no current creditor contact details. This makes the tradeline unverifiable and incomplete. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) requirements that consumer reports be accurate, complete, and not misleading. Reporting future dates, contradictory statuses, repeated charge-offs, and unverifiable information creates a false and damaging impression of my creditworthiness.

Company response to consumer: Closed with explanation