vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : This is my second submission regarding my Equifax and TransUnion accounts This letter is a formal dispute of unauthorized hard inquiries appearing on my consumer credit report. I did not grant consent, authorization, or provide any permissible purpose for these inquiries, nor do they meet the requirements of the Fair Credit Reporting Act ( FCRA ) or Metro 2 reporting standards.

FCRA XXXX XXXX ; Metro 2 Violations 1. FCRA 604 [ 15 U.S.C. 1681b ] : A consumer report may only be accessed for permissible purposes. These inquiries do not meet any lawful criteria. 
2. FCRA 611 [ 15 U.S.C. 1681i ] : You are required to reinvestigate disputed information and delete unverifiable data within 30 days. If the furnisher can not verify permissible purpose, the inquiry must be deleted.

3. FCRA 623 [ 15 U.S.C. 1681s-2 ( a ) ] : Furnishers have a duty to report accurate information. Reporting unverifiable inquiries violates this provision.

4. Metro 2 Standards : The XXXX Metro 2 guidelines mandate that only accurate, complete, and verifiable information may be reported. An inquiry without consumer consent or permissible purpose fails compliance. 

Specific Inquiries in Dispute Please remove the following unauthorized inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Liability FCRA 616 & amp ; 617 [ 15 U.S.C. 1681n, 1681o ] : Noncompliance subjects you to civil liability, including actual damages, statutory damages, punitive damages, and attorneys fees. 
FCRA 619 [ 15 U.S.C. 1681q ] : Criminal liability for obtaining consumer information under false pretenses. 

Demand for Resolution 1. Immediate Deletion : Remove the unauthorized inquiries listed above from my credit file.
2. Written Confirmation : Provide written confirmation of deletion within 30 days.

3. Compliance Certification : Provide proof of the furnishers certification of permissible purpose for each inquiry. If none exists, deletion is mandatory. 

Failure to Comply If you fail to comply with these demands, I will : File formal complaints with the CFPB, FTC, and my State Attorney General. 
Pursue legal remedies in court seeking actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees. 

Enclosures of my driver 's license, and proof of address were submitted with my initial complaint. 


This letter serves as my final notice and dispute. Failure to act will result in immediate escalation. 
Respectfully, 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 2025-11-19 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:
I am writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Inquiries : XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Late Payment Accounts : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : XXXX  ( XXXX ), Experian ( XXXX ), and XXXX  ( XXXX ). The errors involve charged off accounts, inquiries, positive accounts, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>, Balance : {$420.00} Inquiries : [ No inquiries listed for Experian ] Late Payments : XXXX, Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX 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 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-19 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: VA

Complaint narrative:
I am writing to dispute the following items on my credit report. These accounts contain inaccuracies and discrepancies that I request be corrected immediately. Below is a detailed breakdown of the accounts I am disputing, separated by each bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX ( XXXX XXXX Adjust ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$980.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
I paid XXXX XXXX  to fix my credit, the following debt collectors are trying to get me to pay them for a debt they do not own, LVNV LLC is harassing and reporting false information on my credit report. They are not the original creditor, I did not sign any documents with them. I contacted the original creditor and the show the account as paid and closed. I have repeatedly along with XXXX XXXX, requesting Debt Validation, Bill of Sale of Debt from original creditor, summary of the account including all payments with the date. I have not received any information request by the following debt collectors, LVNV Funding LLC, This company is, reporting false information on my credit report, ie : open date, balance, payment status. Im sick of them not abiding by the rules and refusing to provide the documents requested and lining about being the original contractor when in fact they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
They've put my account under investigation again. Can't access my funds, can't use the card and so on. Sick and tired of this mess. 
Because of one ACH deposit transaction that was showing my employer 's name I have to go through this investigation for unknown time. This cause business a significant downtime, this causes my bills to be put on hold and possible late payments might occur. 
I don't really know what else to do. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Please inspect this entry ; finishing it late may have caused issues.

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 2025-11-19 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: SC

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies and the furnishers listed below for reporting false, inaccurate, and unverified information on my consumer credit file. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) Sections 602, 607, 609, and 611, including the requirement for accurate, verifiable, and fully substantiated reporting.

Below are the inaccurate and fraudulent items currently affecting my credit profile : 1. Wrong / Fraudulent Addresses Reported These addresses do NOT belong to me and I have no knowledge of them. Reporting them creates a severe risk of identity theft and violates FCRA accuracy requirements.

XXXX XXXX, XXXX XXXX, SC XXXX Wrong Address XXXX XXXX XXXX XXXX, SC XXXX Wrong Address I demand immediate deletion of these addresses as they are factually incorrect and identity-theftindicative entries. 

2. Accounts I Have No Knowledge Of As per my request and my rights under FCRA 609 and 611, I am disputing the following accounts as accounts I have no knowledge of. These furnishers have failed to provide any original documentation, signed agreements, or proof that I ever opened these accounts. 

Because they can not be verified, they must be removed immediately. 

XXXXXXXX XXXX XXXX XXXX High Balance : {$900.00} Date Opened : XX/XX/XXXXXXXX  Status : Charge-Off I have NO knowledge of this account. 
No contract, no signature, no validation must be deleted. 

XXXX XXXX XXXX High Balance : {$230.00} Date Opened : XX/XX/XXXXXXXX  Status : Collection I have NO knowledge of this account. 
This debt is unverified and must be deleted. 

FCRA Violations The above items violate : FCRA 602 Reporting must be fair and accurate FCRA 607 ( b ) Data must be complete and verifiable FCRA 609 ( a ) ( 1 ) I am entitled to original documentation FCRA 611 Unverifiable items must be deleted promptly FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report inaccurate information The bureaus and furnishers have failed to meet these obligations.

Requested Action I am demanding : Immediate deletion of all wrong addresses Immediate deletion of the unverifiable Charge-Off and Collection accounts I have no knowledge of A full reinvestigation and written results sent to me Copies of all documents used to verify these accounts ( if they claim verification ) Failure to correct these issues will result in : escalation for additional regulatory review, potential legal action, and complaints to the State Attorney General. 

Certification I certify that all statements in this complaint are true and accurate to the best of my knowledge. 

Thank you for your prompt attention.

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 2025-11-19 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: AL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-19 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: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : RE : Formal Complaint & Demand for Permanent Deletion of Fraudulent Account Creditor : XXXX XXXX Reported Date Opened : XX/XX/year>XXXX  I am submitting this formal complaint because the above-referenced account is fraudulent, and despite multiple disputes over the last two months, both the creditor and the credit bureaus continue to reinsert and re-report this account without providing any form of legally required verification. 

1. Violations by the Credit Bureaus ( Experian, Equifax, TransUnion ) : Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), once a consumer disputes an account, the bureaus must conduct a reasonable reinvestigation and provide the method of verification. You have failed to do so.

Furthermore, reinserting this account without providing me written notice within 5 business days violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). 
2. Violations by the Furnisher/Creditor ( XXXX XXXX ) : Under 15 U.S.C. 1681s-2 ( a ), a furnisher may not report information that they know or should know is inaccurate. After being notified of the dispute, they failed to provide any proof of the account or contract bearing my signature, which is required under FCRA 623. Continuing to furnish unverifiable or fraudulent information is a clear violation. 
3. My Demand : Since no verification, no contract, no application, and no proof of ownership has ever been provided, this item is legally unverified, inaccurate, and fraudulent.

I am demanding the immediate and permanent deletion of this account from my credit file under : FCRA 602 ( A ) inaccurate and unverifiable information must not be reported FCRA 611 & 623 failure to verify disputed information FCRA 1681i ( a ) ( 5 ) mandatory deletion of unverifiable or reinserted items Failure to comply will result in escalation to the CFPB, FTC, State Attorney General, and possible civil action for damages allowed under 15 U.S.C. 1681n & 1681o.Please provide me written confirmation once this account has been permanently removed.

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