vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TO YOUR COMPANY : This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information.

Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. 
Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them.

If you claim to have verified these items, I require : 1. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. 
DELETE : ( XXXX  XXXX BANKRUPTCY ) ( 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 2025-08-23 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: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson capital system along with XXXX  is reporting inaccurate information on my credit report violating my rights t. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I believe that the continued reporting of this account violates my rights and the accuracy requirements set forth by law.

Section 15 U.S.C. 1692c governs communication practices by debt collectors, and there are multiple provisions under this section that protect consumers from misleading or unauthorized reporting practices. I believe that the account in question has not been verified properly, and the information being reported is inaccurate and damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: West Capital Lending, Inc.
State: AL

Complaint narrative:
We were trying to Refinance Cash Out with West Capital Lending & we were told the appraisal was going to be {$860.00} & he asked loan XXXX XXXX asked for a credit card I told him I didn't have but a couple XXXX on it I should have no but we got the money up & added it on the card before the XXXX XXXX & I let him know it was there I did think it was a mistake I did try to take it back off but apparently XXXX had it locked so he got it off the next day it's been a nightmare

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Keep adding closed accounts back to my credit report! Please look into this and tell them to stop with the threats

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 2025-08-23 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: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
his letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

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 2025-08-23 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: Fidelity National Information Services, Inc. (FNIS)
State: MA

Complaint narrative:
I decided to check my check systems and see if there was any inquiries. Don't plan on opening any bank accounts. Already have some, and I noticed all these inquiries of XXXX XXXX and from XXXX XXXX, and they allow these companies to go put their inquiries in my check systems and then I look into my XXXX, and they're there too I never told them to do that. I opted out all the services and I put a freeze on my XXXX. I als also put complaints to XXXX  and check systems and they did absolutely nothing, and they allowed that to happen

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 2025-08-23 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: MA

Complaint narrative:
I decided to check my XXXX XXXX  and see if there was any inquiries. Don't plan on opening any bank accounts. Already have some, and I noticed all these inquiries of XXXX XXXX and from experian, TransUnion, and they allow these companies to go put their inquiries in my XXXX XXXX  and then I look into my experion, and they're there too I never told them to do that. I opted out all the services and I put a freeze on my experian. I als also put complaints to experian and XXXX XXXX and they did absolutely nothing, and they allowed that to happen

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 2025-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: MD

Complaint narrative:
I am filing this complaint against Diversified Adjustment Service. This company is reporting a collection account related to XXXX that was already disputed and removed from my credit file in XX/XX/XXXX. Despite this, Diversified reinserted the same account in XXXX under a slightly different number without providing proper validation or notice. 

This violates my rights under the Fair Credit Reporting Act ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) and 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Diversified has never provided me with a signed contract, proof of ownership of the debt, or a full accounting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: KS

Complaint narrative:
Equifax is incorrectly reporting inquiry Factual Data - not mine, identity theft. 
Transunion is inaccurately reporting Factual data XXXX XXXX XXXX there are 2 inquiries within 20 days. They could have used the same credit report. Please delete the inquiry from them dated XXXX Experian is incorrectly reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX double reporting could have used the same inquiry within 30 days. Please delete the inquiry from them dated XXXX WFbna card. Are all incorrectly reporting. Please delete. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
my ex stole my purse and my wallet use my cards and breach my Banks. I had to file claims and make police reports on this matter I guess this matter I wish I have the cash at multiple times and I did nothing besides make me negative and we're not allowing me to take my money out of my savings account to put in my checking so I can pay for things I have my children I'm a single mother of two and this is very difficult and they already doing or blaming the bank. I'm still negative nobody has done nothing about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: MRS BPO, LLC
State: MI

Complaint narrative:
A third party company is trying to reopen a closed account that was closed by the customer, and they're reopening it. For what, when a customer made payments and had it closed, and now they add in charges because they opened it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Resolutions Corp.
State: MS

Complaint narrative:
Absolute resolutions financial the dates were XXXX for XXXX and they sold this acct to some other company I know nothing about and it on my credit report and its been charged off but still adding more money to the acct I reach out to the company but there still reporting it on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing the reporting of a late payment on my credit report for the following account : Creditor Name : [ Citi cBna ] Date of Alleged Late Payment : [ XX/XX/XXXX and XX/XX/XXXX This late payment is inaccurate and/or unverifiable. I previously requested verification of this reporting, and no evidence was ever provided to support the claim. For this reason, it must be removed. 

What Must Be Provided to Report a Late Payment In order for a late payment to be reported under the Fair Credit Reporting Act ( FCRA ), the creditor must have the following documentation : 1. Proof of Due Date & Amount Records showing the exact payment due date and amount owed.

2. Billing Statements or Notices Sent Evidence that I was billed or notified prior to the due date.

3. Proof of Actual Delinquency Records showing the date my payment was received, how it was made, and confirmation it cleared 30+ days past the due date ( payments made fewer than 30 days late can not legally be reported as late ).

4. Retention of Evidence Copies of this documentation must be provided upon consumer dispute.

Since no such evidence was provided, the late payment remains unverified.

Legal Grounds for Deletion FCRA 611 [ 15 U.S.C. 1681i ] Requires credit bureaus to delete information that can not be verified with supporting evidence.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Mandates that all information reported must meet the standard of maximum possible accuracy.

California Civil Code 1785.25 ( a ) Prohibits furnishers from reporting information they know or should know is inaccurate.

Requested Action Delete the disputed late payment entry from all of my credit reports.

Provide written confirmation of deletion within 30 days of receipt of this dispute.

If the reporting continues without proper verification, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the California Department of Financial Protection & Innovation ( DFPI ), and the State Attorney Generals Office for enforcement of my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation