vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 1. Open Accounts with Late Payments ( FCRA 602 ( A ), 611, FDCPA 807 ( 8 ) ) The following open accounts are inaccurately reporting late payments and must be deleted or corrected immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. ( Fraudulent/Identity Theft under FCRA 605B ) The following closed accounts are reporting derogatory information that is fraudulent and/or the result of identity theft. I did not authorize these accounts or the activities associated with them : XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX As per FCRA Section 605B, upon notification of identity theft, you are required to block these accounts from my file within four ( 4 ) business days.

3. Unauthorized Hard Inquiries ( FCRA 604 ( a ) ) The following inquiries were not authorized by me and must be immediately deleted : XXXX ( twice ) XXXX XXXX  ( twice ) XXXX XXXX ( twice ) XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency , TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of 1. Open Accounts with Late Payments ( FCRA 602 ( A ), 611, FDCPA 807 ( 8 ) ) The following open accounts are inaccurately reporting late payments and must be deleted or corrected immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ( both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. ( Fraudulent/Identity Theft under FCRA 605B ) The following closed accounts are reporting derogatory information that is fraudulent and/or the result of identity theft. I did not authorize these accounts or the activities associated with them : XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX As per FCRA Section 605B, upon notification of identity theft, you are required to block these accounts from my file within four ( 4 ) business days.

3. Unauthorized Hard Inquiries ( FCRA 604 ( a ) ) The following inquiries were not authorized by me and must be immediately deleted : XXXX ( twice ) XXXX XXXX  ( twice ) XXXX XXXX ( twice ) XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I sent letters to Wells Fargo specifically informing them that I was not " disputing '' at this time and needed further information so that I can properly review my credit reports and they failed to provide me with information other than they have deemed my account to be reporting accurately. I demand they send the information I have outlined within my letters immediately and do not appreciate them delaying this matter any longer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Accounts in Question : ( List accounts ) XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. 15 USC 1681c-2 ( a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

2. 15 USC 1681i : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach.

3. 15 USC 1681e ( b ) : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies.

4. 15 USC 1681g ( a ) : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach.

5. 15 USC 1681m : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately.

6. 15 USC 1681n : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests.

Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts.

Additionally, I would appreciate an update on any measures you are implementing to protect my personal information.

Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 

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 non-monetary relief
Consumer complaint received 2025-04-21 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: OneMain Finance Corporation
State: IL

Complaint narrative:
My name is XXXX XXXX, on XX/XX/year> I received a notification that someone used my social security to take out a loan with a company named ONEMAIN ( Finance ) without my authorization. This is theft. I would like to dispute this. I did not authorize this or do this myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity, accuracy, and reporting of all collection accounts and public records including Bankruptcy listed on my credit report.

Under Federal Law, I am Requesting Immediate Action Based on the Following Grounds : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Under FCRA 611 and 609, I have the right to dispute any information that is inaccurate, unverifiable, or misleading. I formally request : A reinvestigation of the above-mentioned item The method of verification used The name and address of the original creditor All records used to verify this account If this information can not be verified within 30 days, it must be removed from my credit report.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g As per FDCPA, I demand : Full validation of the debt, including : A complete breakdown of the debt amount Proof of your legal authority to collect the debt A copy of the original contract with my signature Proof of chain of custody and assignment from the original creditor If you can not validate these debts, you are required to cease all collection activity and request its removal from all consumer reporting agencies. 

3. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Reporting a debt without proper investigation or validation constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the CFPA. Continued reporting of unvalidated or inaccurate information may be considered a violation subject to enforcement by the Consumer Financial Protection Bureau ( CFPB ).

4. Truth in Lending Act ( TILA ) ( If Applicable ) If this debt is related to a financial agreement or credit, I request documentation that satisfies TILA requirements regarding clear disclosure of terms and obligations.

5. HIPAA ( For Medical Debts Only ) ( Optional include only for
medical collections ) If this is a medical debt, I request documentation that shows full HIPAA compliance. If no such documentation can be produced without my written authorization, you are in violation of federal privacy law and must delete this item immediately. 

Action Requested : If you can not verify or validate these debts with proper and complete documentation as required by the laws above, I am formally requesting : Immediate deletion of this account from my credit report Notification of deletion sent to me in writing Updated information sent to all bureaus that may have reported it Please note, failure to comply with this request may result in a complaint to the CFPB, the Federal Trade Commission, and my state attorney general 's office. I am fully prepared to pursue my rights under all applicable consumer protection laws. 

This is not a refusal to pay, but a request for validation made pursuant to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: MS

Complaint narrative:
Subject : Request for Deletion and Correction of Personal Information Under FCRA & Metro 2 Compliance To Who It May Concern I am writing to formally request the deletion and correction of inaccurate and outdated personal identification information currently being reported on my credit file, as allowed under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

Please remove all variations of my name and previous addresses that are inaccurately associated with my profile. These errors are causing confusion and may be leading to reporting inaccuracies. 

Please delete the following : Names to be removed : 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 Additional Information : Please note that outdated names and previous addresses should not remain on the credit report, as they may trigger inaccurate account matching. I am requesting that only my current name and current address remain on file. 

Please conduct a thorough reinvestigation and provide confirmation of the deletions and corrections within the 30 days required by law. 

Thank you for your attention to this matter. 








Subject : Metro 2 Dispute Request Reinvestigation of Inaccurate Account Data In accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance requirements, I am formally disputing the accuracy of the following account information currently being reported on my credit profile. I request a full reinvestigation and deletion or correction as necessary. 


Creditor : XXXXXXXX XXXX  Account Type : Credit Card Reported Status : Charge-Off Metro 2 Code : 001 Dispute Reason : Charged off account inaccurate payment history Creditor : XXXX XXXX XXXX Account Type : Credit Card Reported Status : 30 Days Late Metro 2 Code : 112 Dispute Reason : Reported 30-day late payment not accurate Please correct or permanently delete the above-referenced accounts from my credit file. These items are inaccurate, unverifiable, or outdated. Please complete this reinvestigation within the 30-day time frame as required by federal law and notify me of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MS

Complaint narrative:
Subject : Request for Deletion and Correction of Personal Information Under FCRA & Metro 2 Compliance To Who It May Concern I am writing to formally request the deletion and correction of inaccurate and outdated personal identification information currently being reported on my credit file, as allowed under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

Please remove all variations of my name and previous addresses that are inaccurately associated with my profile. These errors are causing confusion and may be leading to reporting inaccuracies. 

Please delete the following : Names to be removed : 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 Additional Information : Please note that outdated names and previous addresses should not remain on the credit report, as they may trigger inaccurate account matching. I am requesting that only my current name and current address remain on file. 

Please conduct a thorough reinvestigation and provide confirmation of the deletions and corrections within the 30 days required by law. 

Thank you for your attention to this matter. 








Subject : Metro 2 Dispute Request Reinvestigation of Inaccurate Account Data In accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance requirements, I am formally disputing the accuracy of the following account information currently being reported on my credit profile. I request a full reinvestigation and deletion or correction as necessary. 


Creditor : XXXXXXXX XXXX  Account Type : Credit Card Reported Status : Charge-Off Metro 2 Code : 001 Dispute Reason : Charged off account inaccurate payment history Creditor : XXXX XXXX XXXX Account Type : Credit Card Reported Status : 30 Days Late Metro 2 Code : 112 Dispute Reason : Reported 30-day late payment not accurate Please correct or permanently delete the above-referenced accounts from my credit file. These items are inaccurate, unverifiable, or outdated. Please complete this reinvestigation within the 30-day time frame as required by federal law and notify me of the results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
Earlier today, I discovered some inaccurate entries on my credit report, which left me confused since I dont know their origin. Im in the habit of checking my credit regularly, but this time, inconsistencies suddenly appeared. I refreshed the browser to rule out any technical issues, yet the accounts stayed. Therefore, Im asking for a detailed review of the documents I provided to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief