vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am writing to dispute and request the immediate removal and blocking of the following account ( s ), which are either fraudulent, not mine, or contain materially inaccurate information : ACCOUNTS 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 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 Pursuant to the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681c-2 ( Section 605B ) : You are required to block any information resulting from identity theft or fraud within 4 business days of receiving proper notice and documentation.

15 U.S.C. 1681g ( f ) / 615 ( f ) : You must notify the consumer of any adverse information being reported and the source.

15 U.S.C. 1681s-2 ( a ) ( 6 ) : Information furnishers must notify consumer reporting agencies of any disputed and inaccurate information and correct or delete it as appropriate. 

This letter serves as my formal dispute and notice under the law. I request that you investigate this matter, block the disputed data from my credit file, and confirm in writing that these accounts have been removed or corrected. 

Enclosed are copies of identification and supporting documentation. I expect compliance with FCRA-mandated timeframes.

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 2025-07-01 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: FL

Complaint narrative:
I am writing to you because you are reporting inquiries on my credit report that I do not.

Recall. Please see items listed below : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX, personal XX/XX/XXXX TransUnion XXXX XXXX Finance other than personal XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Please forward me any documentation providing proof I applied for credit with this . 
Creditor. If you can not provide such documentation, then please remove this inquiry. 
from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Consumer Financial Protection Bureau Date : XX/XX/year> From : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Dear CFPB XXXX, I am submitting this formal complaint and Metro 2 dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. This complaint is against the following furnishers for unlawful and damaging reporting practices : XXXX XXXX XXXX ( Account ending in XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Violations Identified XXXX. XXXX XXXX XXXX Narrative Code XXXX Violation : The account remains reported as a collection despite being marked as in dispute, which is noncompliant with Metro 2 rules that require suppression of derogatory reporting during reinvestigation. 

FCRA 609 ( a ) ( 1 ) Violation : XXXX has failed to provide verification or original documentation of the alleged debt, violating my right to request and receive full validation. 

FCRA 623 ( a ) ( 5 ) Violation : As a third-party debt buyer, XXXX has XXXX to accurately report account ownership and status. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate Reporting Violation : Both entities are reporting the same underlying debt under separate accounts. This misleads creditors and inflates my debt profile. 

FCRA 607 ( b ) Violation : Furnishers are obligated to report with maximum possible accuracy. Listing the same debt under two creditors is materially inaccurate and unjust.

Harm and Damages As a result of these violations : I have been denied credit for home refinancing and vehicle leasing.

I have suffered a measurable drop in my credit score.

This has caused emotional distress and reputational harm during a period when I was still recovering from the Equifax data breach. 

Requested Action I request the CFPB to conduct a thorough investigation and enforce compliance. I demand : Immediate and permanent deletion of the XXXX XXXX XXXX account. 

Removal of either the XXXX XXXX or XXXX XXXX XXXX listing to eliminate the duplicate debt entry. 

Written confirmation of all corrective actions and updated credit bureau records.

If unresolved within 15 days, I will proceed with further legal action under FCRA 616 and 617, as well as file complaints with the FTC, Michigan Attorney General, and other relevant authorities.

Please find attached copies of my credit reports and prior dispute letters for reference. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Attachments : Credit Reports Previous Dispute Letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
I am submitting this complaint because fraudulent and unauthorized inquiries have been reported on my consumer credit report as a result of identity theft. These inquiries were not initiated or authorized by me and constitute violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 605B [ 15 U.S.C. 1681c-2 ], which requires the blocking of information resulting from identity theft, and 604 [ 15 U.S.C. 1681b ], which outlines the permissible purposes for accessing a consumer report. 

I have contacted the companies responsible for these inquiries and none were able to provide any valid authorization or proof bearing my signature. Furthermore, I submitted a formal request to the credit reporting agency to investigate and remove these fraudulent inquiries. The FCRA mandates that such information be blocked within four ( 4 ) business days of receiving notice, yet these inquiries remain on my file.

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 2025-07-01 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: FL

Complaint narrative:
I am disputing a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
XX/XX/year> I filed a dispute for improper use of credit report and asked for verification of the debt. I attached their response to this complaint which completely disregards 15 USC 1692 ( g )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times to credit bureaus and it's coming back as updated and verified without proper investigation.

The company failed to send me any of the information I requested even with my other disputes they never sent verification of debt, the ORIGINAL contract bearing my signature and explanation of the amount and how it was calculated.

Submitted disputes every 30 days on XX/XX/year> and XX/XX/year>. 

Accounts 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 2025-07-01 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: NY

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 
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 2025-07-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Debt Validation & Identity Theft Dispute Letter # 3 To : Macys / CBNA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX [ Date ] Macys/ Citibank , N.A . ( CBNA ) Citibank Credit Dispute Department XXXX. XXXX XXXX XXXX XXXX, SD XXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute of Closed Account Macys/CBNA Account Ending in XXXX To Whom It May Concern, I am writing to dispute the reporting of a Macys/CBNA charge account, originally opened on XX/XX/year>, and now listed as paid/closed at the credit grantors request. 

While I acknowledge the account may have existed, it was closed in good standing and should not appear as a negative remark on my credit report. There is no outstanding balance or delinquency. As such, continued negative reporting is unwarranted and potentially defamatory under 15 U.S.C. 1681e.

I respectfully request : 1. Immediate review and correction of this entry 2. Removal of any negative status comments or codes 3. Updated reporting to the credit bureaus reflecting closed paid in full, no delinquency If this account continues to be misrepresented, I reserve the right to escalate this to the Consumer Financial Protection Bureau ( CFPB ) and Georgia Attorney Generals Office.

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-01 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2024, I contacted Truist Bank to address a problem with a late mortgage payment. I explicitly informed the Truist agent that I did not want my mortgage payment to be submitted past XX/XX/XXXX, as I was concerned about its impact on my credit score. The representative advised me to put a stop payment on my current mortgage payment so it doesnt keep trying to charge. He then instructed me to call my mortgage lender, XXXX XXXX, to make the payment manually. 

Unbeknownst to me, the stop payment was set to remain in effect for only XXXX  days. During this period, I made XXXX mortgage payments through XXXX XXXX. However, I was later informed by XXXX XXXX that they had not received these payments, which I was unaware of at the time due to the Stop Payment from Truist Bank. This led to my mortgage account being considered delinquent, and as a result, my credit score dropped from XXXX to the low XXXX. 


The incorrect handling of my payments has caused me significant distress, inconvenience, and financial hardship. My credit score drop has adversely affected my ability to secure proper financing for a much-needed home purchase process. 
The situation is causing delays and difficulties in our ongoing efforts to purchase a new home, adding emotional and financial strain on my family. 

This entire ordeal stems from the mis-advice and inadequate guidance provided by a Truist Bank representative , which led to unintended late payments, credit damage, and ongoing hardship. I believe this warrants investigation and appropriate action.

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 2025-07-01 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: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are legally required to report only accurate and verifiable information. Given that my personal data was compromised due to a security breach, these accounts are invalid, and any continued reporting constitutes a willful violation of federal law. 
Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, any attempt to collect on a fraudulent debt is illegal. If you fail to remove these accounts immediately, I will pursue legal action for damages, including but not limited to : Violation of FCRA Reporting inaccurate information knowingly. 
Violation of FDCPA Attempting to collect a fraudulent debt. 
Defamation & Emotional Distress Damaging my financial reputation. 
Negligence Failure to verify the legitimacy of the debt before reporting. 
I demand the following actions within XXXX XXXXs : IMMEDIATE REMOVAL of the fraudulent collection/charge-off accounts from all credit bureaus. 
WRITTEN CONFIRMATION that these accounts have been deleted. 



Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am reporting inaccurate and inconsistent credit reporting by Regional Acceptance. 

Between XX/XX/year>XXXX  and XX/XX/year>, Regional Acceptance reported a charged-off auto loan to XXXX  with a past due balance of {$17000.00}. However, the same account appears on XXXX  with a {$0.00} balance, closed status, and no derogatory payment history. 

This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 623, which requires that data furnished to credit bureaus be accurate, complete, and consistent. I disputed the XXXX  entry due to this inconsistency, but no correction has been made. 

I am requesting that Regional Acceptance : 1. Fully validate the reported balance and status on XXXX  2. Or remove or correct the account if it can not be verified as accurate and consistent across all bureaus This inaccurate and conflicting information is causing serious harm to my credit profile and financial well-being.

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