vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt 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 am a victim of XXXX XXXX of Debt Bondage and would e for all listed accounts to be blocked and deleted company information Transunion and all other beaurs Please delete the following accounts. Immediate Deletion Demanded Reinserted Inaccurate Account by 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 

To Whom It May Concern : I have verified that TransUnion and Experian are both currently reporting this reinserted account and inaccurate accounts which is not only inaccurate but was also re-added without the legally required notice, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

To make matters worse, my personal information was exposed in a known data breach, putting me at even greater risk for identity theft and fraudulent reporting. Reintroducing false credit data under these circumstances is not just negligent it is reckless. 

I am demanding the following actions be taken immediately : XXXX. Permanent deletion of the reinserted XXXX XXXX XXXX AND ALL ACCOUNTS from all credit bureaus.

2. A detailed explanation as to how and why this inaccurate account was reinserted without following proper legal procedures. 
XXXX. Confirmation that XXXX is in full compliance with data protection laws and FCRA guidelines. 

Failure to delete this account and provide a written resolution will leave me with no choice but to pursue legal action. This includes filing a formal complaint with the FTC, pursuing damages under the FCRA, and consulting legal counsel regarding the exposure of my personal data. 



Sincerely, 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 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
In reviewing my consumer report I noticed on XX/XX/year> your company alleges I owe you {$2600.00}. I am disputing owing any and all debts to your company. I am also revoking all rights of communication with me through email/text/calls. 

I request a debt validation letter. And also requesting a copy of the purchase agreement between your company and the original creditor. Along with requesting you furnish the proof you are licensed and bonded. 

Your company have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet you placed a collection on my consumer report. I also was not given the chance to dispute account according to 12 1006.34 ( c ) ( 4 ) ( i ). 

Your company is violating my consumer rights by using false, misleading, misrepresentation and deceptive means.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( cell ) XXXX XX/XX/XXXX Experian XXXX XXXX XXXX. XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report. 

Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau file a lawsuit against Experian for its failure to to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight system issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

In accordance with 15 U.C.S. & 1681i ( a ) ( 1 ) ( A ).

I am kindly requesting that you conduct a reasonable reinvestigation to determine the accuracy of the disputed information. Review the inaccurate information being report 1. Accuracy of personal information. In XXXX of XXXX, I leased a XXXX XXXX XXXX XXXXXXXX XXXX. I made the first payment at the dealer and set up auto payment. 
The auto payment never went through but I wasn't inform by XXXX because the letters they sent me had a non-existent mailing address and wrong spelling of my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections XXXX ( XXXX ) and XXXX Dear Sir/Madam, I am composing this correspondence to formally challenge an erroneous listing on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Sections XXXX ( XXXX ) and XXXX. I demand that you conduct a thorough inquiry and expunge the unjust charge-off account detailed below, as it is completely unwarranted. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$8900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
These inquires does not belong to me and needs to be removed. I know my right under the fcra act. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -- XX/XX/XXXX XXXX XXXX  XX/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 explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 suppose 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Okay, here is the updated CFPB complaint letter incorporating the information that you already contacted XXXX on XX/XX/XXXX, and the inaccurate reporting persists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ Your Email Address ] Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ( Or via online submission at XXXX ) Subject : Formal Complaint Against XXXX XXXX XXXX Failure to Correct Inaccurate Repossession Reporting After Direct Dispute XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding its continued inaccurate reporting of a vehicle repossession status to the three major credit reporting agencies ( Equifax, XXXX, and XXXX ) and its failure to correct this error after being notified directly. 

The vehicle in question, a XXXX XXXX XXXX, was voluntarily surrendered to XXXX XXXX XXXX. Despite the voluntary nature of this event, XXXX has inaccurately reported the repossession as involuntary on my credit file. 

I attempted to resolve this matter directly with XXXX. I sent a formal letter ( copy attached ) on XX/XX/XXXX, outlining the inaccuracy and requesting that they correct the repossession status from involuntary to voluntary surrender with all credit bureaus. I also requested a copy of the repossession agreement confirming the voluntary nature of the surrender, as I am unable to locate my copy. 

Despite my direct dispute sent nearly XXXX months ago, XXXX XXXX XXXX has failed to take corrective action. As of my most recent credit report review on XX/XX/XXXX, the repossession still appears incorrectly listed as involuntary. This continued misreporting violates XXXX 's obligations as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires the furnishing of accurate information, and potentially 1681s-2 ( a ) ( 8 ) regarding investigation duties following a direct dispute. 

The mischaracterization of this account status as an involuntary repossession has adversely impacted my credit profile and ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
Okay, here is the updated CFPB complaint letter incorporating the information that you already contacted XXXX on XX/XX/XXXX, and the inaccurate reporting persists. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX [ Your Email Address ] Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX ( Or via online submission at XXXX ) Subject : Formal Complaint Against XXXX XXXX XXXX XXXX to Correct Inaccurate Repossession Reporting After Direct Dispute XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding its continued inaccurate reporting of a vehicle repossession status to the three major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and its failure to correct this error after being notified directly. 

The vehicle in question, a XXXX XXXX XXXX, was voluntarily surrendered to XXXX XXXX XXXX. Despite the voluntary nature of this event, XXXX has inaccurately reported the repossession as involuntary on my credit file. 

I attempted to resolve this matter directly with XXXX. I sent a formal letter ( copy attached ) on XX/XX/XXXX, outlining the inaccuracy and requesting that they correct the repossession status from involuntary to voluntary surrender with all credit bureaus. I also requested a copy of the repossession agreement confirming the voluntary nature of the surrender, as I am unable to locate my copy. 

Despite my direct dispute sent nearly XXXX months ago, XXXX XXXX XXXX has failed to take corrective action. As of my most recent credit report review on XX/XX/XXXX, the repossession still appears incorrectly listed as involuntary. This continued misreporting violates XXXX 's obligations as a data furnisher under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which requires the furnishing of accurate information, and potentially 1681s-2 ( a ) ( 8 ) regarding investigation duties following a direct dispute. 

The mischaracterization of this account status as an involuntary repossession has adversely impacted my credit profile and ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian fails to complete the investigation or update my information within that time frame, it is in direct violation of federal law. In this case, more than XXXX  days have passed since my dispute was filed, yet no resolution has been provided. This prolonged inaction not only breaches the FCRA timeline requirements but also potentially causes ongoing harm to my consumers creditworthiness, financial opportunities, and overall peace of mind. 
First dispute was sent on XX/XX/year> and any action has been taken, no response was sent to me, I have proof of receipt. 
I need them to delete any incorrect information immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX : XXXX XXXX XXXX : XXXX XXXX & XXXX XXXX XXXX XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX  XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXXection 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted 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 non-monetary relief
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief