vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
> To Whom It May Concern, I am filing a formal complaint regarding the inaccurate reporting of an account by XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> which appears on my TransUnion credit file. 

I previously disputed this account with the credit bureaus and requested proper verification under the Fair Credit Reporting Act ( FCRA ). To date, neither XXXX XXXX XXXX XXXX nor the credit bureaus have provided sufficient evidence to verify the accuracy and legitimacy of the account. 

This account remains on my credit file without a proper investigation or validation, as required by FCRA 611 and 809 of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting the CFPB to take action by compelling the data furnisher to : Provide complete validation of the debt, including a signed contract or application ; Or remove/delete the account from all reporting agencies immediately. 

This reporting is damaging my credit, and the failure to provide verification is a direct violation of federal consumer protection laws. I am requesting : XXXX deletion of this account from all credit bureaus due to lack of proper verification ; Confirmation in writing from XXXX or the credit bureaus that this has been completed

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 2025-08-07 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: NC

Complaint narrative:
I am writing to formally dispute and request the removal of fraudulent information currently appearing on my credit report. I am a victim of identity theft, and there are several accounts and inquiries listed that I did not authorize, initiate, or open. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that all unauthorized and fraudulent accounts and inquiries be blocked from my credit file and removed promptly. 

Please take the necessary steps to review and remove the fraudulent items from my credit report. I request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter.

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 2025-08-07 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: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of one or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report.

The original signed contract or application bearing my signature.

Any documentation used to verify the accounts validity.

The name and address of the original creditor.

A full explanation of how the account was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 dispute the accuracy of one or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report.

The original signed contract or application bearing my signature.

Any documentation used to verify the accounts validity.

The name and address of the original creditor.

A full explanation of how the account was 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 explanation
Consumer complaint received 2025-08-07 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: WI

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. 

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 explanation
Consumer complaint received 2025-08-07 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: 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 2025-08-07 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: OH

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. 

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 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 non-monetary relief
Consumer complaint received 2025-08-07 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: TX

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. 

XXXX XXXX # XXXX XX/XX/year> -- {$9100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: WA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account that lacks the name of the original creditor and has shown redundant collection entries monthly for over two years. This is misleading and appears to be re-aging the debt, which violates the FCRA ( 15 U.S.C. 1681c ( a ) ).

I submitted a dispute to Equifax, TransUnion and Experian requesting validation and a copy of the chain of title. They failed to provide proof that this debt is legally owed or that XXXX owns it. 

I am requesting that the CFPB investigate XXXX compliance with the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act regarding accurate and verifiable credit reporting.

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 2025-08-07 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: 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 XXXX 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these accounts to credit bureaus XXXX Experian and XXXX. To support this request, I have included the following documents : 1. A copy of my government-issued ID. 2. An Identity Theft Report from the FTC. 3. Proof of address. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Please confirm the account name, account number has been blocked and deleted within four ( 4 ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly.Thank you for your attention to this matter. Sincerely, 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 2025-08-07 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: TX

Complaint narrative:
Final Notice Before Legal Action First Premier Bank To Whom It May Concern, This is my final attempt to resolve an ongoing dispute regarding the XXXX XXXXXXXX XXXX account appearing on my credit report. 

Despite multiple disputes and requests for reinvestigation, XXXX XXXX has failed to properly verify the accuracy of this account. I have carefully reviewed the documentation provided in response to my dispute, and it is clear that the numbers do not add up, and the reporting remains inaccurate and incomplete. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which clearly states that if a consumer notifies a credit reporting agency of inaccurate information, the furnisher ( in this case, First Premier ) is legally obligated to conduct a reasonable reinvestigation. The repeated, vague, and inconsistent responses Ive received do not meet this standard. 

Furthermore, I find it concerning that no meaningful evidence of validation has been provided, nor have the inaccuracies been corrected or removed. This account is not only damaging to my credit profile but also misrepresents the facts surrounding the alleged debt. It is unjust and harmful to my financial integrity. 

I have made every reasonable effort to resolve this matter amicably. However, continued negligence and failure to comply with federal reporting laws have left me with no choice but to consider filing a small claims lawsuit against both XXXX XXXX and the credit bureau for : Willful noncompliance with the FCRA Emotional distress XXXX harm resulting from inaccurate reporting

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 2025-08-07 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: U.S. BANCORP
State: AZ

Complaint narrative:
I mailed a written dispute and notification of identity theft to US Bank on XX/XX/year> and I have not received any response from US Bank. The negative account information is still being reporting to XXXX and 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 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX Re : Formal Dispute and Demand for Deletion Midland Credit Management Account XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern, This letter is a formal notice to dispute the accuracy, completeness, and legal validity of the above-referenced account currently appearing on my credit file. You are required under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Regulation F ( 12 CFR1006 ) to ensure all information reported is accurate, verifiable, and not misleading.

Violations and Grounds for Immediate Removal : 1. Violation of 12 CFR 1006.34 ( b ) ( 5 ) : You failed to provide required validation information before furnishing this account to the credit reporting agencies.

2. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : You did not provide me with a fair opportunity to dispute the debt before placing it on my credit report, which is required by law.

3. Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) : You had no legal authority to furnish this account to the credit bureaus without providing all required disclosures and validation documentation. This includes original signed contracts, account history, and proof of ownership of the debt.

4. Deceptive and Misleading Reporting ( FCRA 607 ( b ), FDCPA 807 ) : Your reporting of this account without proper validation constitutes a false, misleading, and deceptive practice, violating consumer rights.

5. Account Already Disputed No Proper Resolution : This account is marked as " Customer Disputed '' but remains on file without any verified documentation provided to me. Under FCRA 611, if an item is disputed and not verified, it must be removed.

What I Demand : - Immediate deletion of the Midland Credit Management account from my credit file with all bureaus.

- Written confirmation that this account has been removed or fully validated with legal documentation ( not screenshots or internal notes ).

- Suspension of further collection activity until this matter is fully resolved.

If you fail to respond or refuse to comply within 15 days, I will proceed to file complaints with the CFPB, FTC, and my state Attorney General, and I may pursue legal remedies for noncompliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I contacted Navy Federal to report that the auto loan I had with them is appearing twice on my credit report. The representative informed me that there was nothing they could do and advised me to contact the credit bureau directly. I filed disputes with XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but despite the information being incorrect, the duplicate account continues to be verified and has not been removed. Additionally, XXXX is reporting a charge-off on my account for XXXX, XXXX, and XXXX of XXXX, followed by a repossession for XXXX, XXXX, and XXXX of the same year. Then returned back to a charge off for XXXX XXXX XXXX I was never notified of a repossession, and there was no formal process or communication indicating that one occurred. It is highly concerning that the report reflects three months of repossession listings, which is misleading and incorrect. 

According to my credit report, the last payment on this account was in XX/XX/XXXX, which is inaccurate. I no longer had the vehicle after XX/XX/XXXX, and my final payment was actually made in XX/XX/XXXX. Im working hard to improve my credit, but these reporting errors are making it very difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX to report that the auto loan I had with them is appearing twice on my credit report. The representative informed me that there was nothing they could do and advised me to contact the credit bureau directly. I filed disputes with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but despite the information being incorrect, the duplicate account continues to be verified and has not been removed. Additionally, XXXX is reporting a charge-off on my account for XXXX, XXXX, and XXXX of XXXX, followed by a repossession for XXXX, XXXX, and XXXX of the same year. Then returned back to a charge off for XXXX XXXX XXXX  I was never notified of a repossession, and there was no formal process or communication indicating that one occurred. It is highly concerning that the report reflects three months of repossession listings, which is misleading and incorrect.

According to my credit report, the last payment on this account was in XX/XX/XXXX, which is inaccurate. I no longer had the vehicle after XX/XX/XXXX, and my final payment was actually made in XX/XX/XXXX. Im working hard to improve my credit, but these reporting errors are making it very difficult.

Company response to consumer: Closed with non-monetary relief