vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: CT

Complaint narrative:
RE : Account Name XXXX XXXX XXXX  Account # XXXX Amount : {$1100.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section. 
15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report.

15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within 5 days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file.

15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute. 
Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent.

Provide me with an updated and corrected copy of my credit report reflecting zero accounts within 30 days as required by 15 U.S. Code 1681i. 
Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under 15 U.S. Code 1681n and 1681o

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 2025-07-13 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: CA

Complaint narrative:
Experian confirms the information with the company and then starts the date over for another 10 years. I have a child support account from XXXX XXXX that was closed in XXXX. This should no longer be on my report. I have tried to get this removed 3 times and they just tell me the information is correct and add another 10 years before it will come off my report. The information is correct, but it is way too old to be on my report. They need to remove this information and not keep extending it just for me challenging the age of the info.

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received an email showing my credit card payment was past due. I hadnt used my card since paying the balance in its entirety in XXXX. I filed a fraud investigation on XX/XX/XXXX. when I noticed that a lot of the transactions were credited to my account but not all on my XXXX statement I reached out XXXX additional times in which case they told me that all of the charges were still being investigated. I received calls from bill collectors stating that my bill was past due but every time I called my Best Buy card services I was told that it was still under investigation and to ignore the calls. My credit score has been greatly affected. XXXX XXXX received a letter stating that everything was resolved on XX/XX/XXXX but it did not cover all the charges I disputed but when I called Im still being told that the charges are under investigation and there is nothing further for me to do

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 monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-07-13 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am writing to formally request verification of a credit inquiry that appears on my credit report. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose may access my credit file. 

Please provide the following : The name and address of the party that initiated the inquiry ; The permissible purpose for which the inquiry was made ; Documentation or records proving that I authorized the inquiry. 

If you are unable to verify that this inquiry was made with a permissible purpose and with my consent, I request that it be permanently removed from my credit file in accordance with FCRA regulations. 

Please consider this letter a formal dispute of the inquiry. I request that you complete your investigation within 30 days of receiving this letter and provide written confirmation of the outcome. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the major credit bureaus ( Equifax, Experian, and TransUnion ) are reporting a false bankruptcy on my credit report. This bankruptcy does not belong to me. It appears this information was mistakenly added due to having the same name as my father, but I am a XXXX, and the bankruptcy in question pertains to him, not me. 

I have already disputed this false bankruptcy multiple times with the credit bureaus. Additionally, XXXX, the third-party furnisher of this information, has acknowledged the error and attempted to have the credit bureaus remove it. Despite this, the credit reporting agencies have failed to correct or remove the inaccurate entry, causing me ongoing harm. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure the maximum possible accuracy of the information they report and to correct any inaccurate or unverifiable information in a timely manner. 

I am requesting the CFPB to investigate this matter, ensure the false bankruptcy is immediately removed from all three of my credit reports, and that the credit bureaus are held accountable for failing to correct inaccurate information after being provided with clear evidence and dispute communications.

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 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and notice several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : 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 non-monetary relief
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and notice several inaccuracies on my account. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am writing to dispute inaccurate information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). The following items violate 15 USC 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ), 15 USC 1681s-2 ( duties of furnishers to provide accurate information ), and 15 USC 1681i ( 5 ) ( removal of inaccurate items ). I request immediate investigation and deletion of these items per 15 USC 1681i ( 5 ). Below are the disputed items, organized by category, with details and reasons for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because inaccurate and potentially unverified information is being reported on my credit report by several companies. Specifically, XXXX XXXX is reporting a charged-off account with a balance of {$1400.00} despite multiple inaccuracies in the payment history and no verification of the debt when requested. Additionally, XXXX XXXX XXXX and XXXX XXXX XXXX are reporting collection accounts without proper debt validation, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have contacted the credit reporting agencies and these furnishers, but they have failed to provide adequate verification or remove the accounts. These items are negatively affecting my credit standing, and I believe they are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA.

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 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because inaccurate and potentially unverified information is being reported on my credit report by several companies. Specifically, XXXX XXXX is reporting a charged-off account with a balance of {$1400.00} despite multiple inaccuracies in the payment history and no verification of the debt when requested. Additionally, XXXX XXXX XXXX and XXXX XXXX XXXX are reporting collection accounts without proper debt validation, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have contacted the credit reporting agencies and these furnishers, but they have failed to provide adequate verification or remove the accounts. These items are negatively affecting my credit standing, and I believe they are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA.

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 2025-07-14 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: FL

Complaint narrative:
Please permanently block and remove the attached personal information as it is hurting me and my family.

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 2025-07-13 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: CBC Companies, Inc.
State: NV

Complaint narrative:
To Whom It May Concern, This letter constitutes a formal identity theft dispute under the Fair Credit Reporting Act ( FCRA ) 1681c-2. I am requesting the immediate removal of all unauthorized and fraudulent data contained in your consumer file under my name. 
I have enclosed the following documentation : FTC Identity Theft Report Government-issued photo ID Proof of address utility bill A list of disputed creditors and debt collectors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
i am sending in blocking theft to all XXXX credit agencies

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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have reviewed my credit report and see this company is reporting an account as past due in collection for a company I have never done business with. I currently have an open XXXX  XXXX account in good standing and have not had an account opened in the years this debt collection company is advising and trying to collect on. I am requesting all credit reporting be removed and ceased from my credit file as no proof of me owing this debt was ever provided nor will it be provided as I have not had any past accounts with this company or the company it is alleging the debt from. I was a victim of identity theft some years ago and Im not sure if this is a result of that but I am sure I did not ever do business with this company and owe XXXX in debt. Please remove this from my credit report and cease all collection efforts returning this bought debt to XXXX  XXXX so that I may get to the bottom of this fraudulent account. Next step will be a lawsuit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I was denied for an apartment. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, and only with the consumers written instruction or consent, unless there is a legally valid reason such as a court order or a current credit transaction initiated by the consumer. I have never had any business dealings, credit accounts, or other relationships with those credit reporting companies, and I did not provide written authorization for them to access or report on my credit 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 explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I was denied for an apartment. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes, and only with the consumers written instruction or consent, unless there is a legally valid reason such as a court order or a current credit transaction initiated by the consumer. I have never had any business dealings, credit accounts, or other relationships with those credit reporting companies, and I did not provide written authorization for them to access or report on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Several accounts have been fraudulently opened in my name and appear on my credit report without my knowledge or authorization. 

I did not open these accounts and have no affiliation with the parties responsible. These fraudulent accounts have negatively impacted my credit and caused me significant distress. I am requesting an immediate investigation and the removal of all unauthorized accounts from my credit 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 explanation
Consumer complaint received 2025-07-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXXJust identity theft which I am reporting this error. \nOn all three credit reports says LVNV Funding opened XXXX XXXX XXXX XXXX XXXXI had a data breach with resolving with XXXX  and also a class action with XXXX XXXX.\nThe Sectin 605B (15 U.S. 1681c-2 )'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Recently I looked at a copyof my credit reportand notices several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX # XXXXXXXX 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