vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern, This is a formal post-verification dispute and request for deletion regarding the following account, which remains inaccurately reported in violation of Metro 2 formatting guidelines and the Fair Credit Reporting Act ( FCRA ) despite your claimed verification. 

Account Information : Creditor : XXXX XXXX XXXX XXXX  Account Type : Auto Loan Account Number ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Original Balance : {$19000.00} Charge-Off Date : XX/XX/XXXX Status Reported : Charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX Balance : {$6600.00} Why This Verification is Invalid Under Metro 2 and FCRA 1 . Metro 2 Violation Re-aging of Debt The account was charged off in XX/XX/XXXX, yet it is being reported as past due as of XXXX and XX/XX/XXXX. This is a chronological impossibility and violates Metro 2 formatting rules which prohibit updating past due dates after charge-off status is applied. Charge-off = final delinquency. 

XXXX. FCRA 623 ( a ) ( 1 ) ( A ) Violation Inaccurate Furnishing of Information Reporting an account as simultaneously charged off and still past due as of a future date misleads creditors and misrepresents the legal status of the debt. This is incomplete and inaccurate under federal law. 

XXXX. FCRA 611 ( b ) ( 1 ) Violation Inadequate Reinvestigation Your verification failed to include any : Signed contract Complete payment history Charge-off documentation Explanation for why XXXX XXXX dates appear after a XXXX charge-off Simply restating account data does not qualify as verification under the FCRA. 


Demand for Deletion Due to your failure to furnish accurate and Metro 2compliant information, and the continued reporting of misleading status fields, I am formally requesting the immediate and permanent deletion of this account from all consumer reporting agencies. 

Under FCRA 611 ( a ) ( 5 ) ( A ), if you can not verify the account in a legally sufficient and compliant format, you must delete the information from my credit file.

Final Notice If this is not resolved within 15 business days, I will file formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX Attorney Generals Office Continued non-compliance may subject your organization to civil liability under FCRA 616 and 617, for which I will pursue all available remedies. 

Sincerely, XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX SSN : XXXX Date : XX/XX/XXXX To Whom It May Concern, This is a formal post-verification dispute and request for deletion regarding the following account, which remains inaccurately reported in violation of Metro 2 formatting guidelines and the Fair Credit Reporting Act ( FCRA ) despite your claimed verification. 

Account Information : Creditor : XXXX XXXX XXXX XXXX  Account Type : Auto Loan Account Number ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Original Balance : {$19000.00} Charge-Off Date : XX/XX/XXXX Status Reported : Charged off. {$6600.00} written off. {$6600.00} past due as of XXXX XXXX Balance : {$6600.00} Why This Verification is Invalid Under Metro 2 and FCRA 1 . Metro 2 Violation Re-aging of Debt The account was charged off in XX/XX/XXXX, yet it is being reported as past due as of XXXX and XX/XX/XXXX. This is a chronological impossibility and violates Metro 2 formatting rules which prohibit updating past due dates after charge-off status is applied. Charge-off = final delinquency. 

XXXX. FCRA 623 ( a ) ( 1 ) ( A ) Violation Inaccurate Furnishing of Information Reporting an account as simultaneously charged off and still past due as of a future date misleads creditors and misrepresents the legal status of the debt. This is incomplete and inaccurate under federal law. 

XXXX. FCRA 611 ( b ) ( 1 ) Violation Inadequate Reinvestigation Your verification failed to include any : Signed contract Complete payment history Charge-off documentation Explanation for why XXXX XXXX dates appear after a XXXX charge-off Simply restating account data does not qualify as verification under the FCRA. 


Demand for Deletion Due to your failure to furnish accurate and Metro 2compliant information, and the continued reporting of misleading status fields, I am formally requesting the immediate and permanent deletion of this account from all consumer reporting agencies. 

Under FCRA 611 ( a ) ( 5 ) ( A ), if you can not verify the account in a legally sufficient and compliant format, you must delete the information from my credit file.

Final Notice If this is not resolved within 15 business days, I will file formal complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX Attorney Generals Office Continued non-compliance may subject your organization to civil liability under FCRA 616 and 617, for which I will pursue all available remedies. 

Sincerely, XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX  XXXX, MD 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint against Equifax Information Services LLC for repeated, willful violations of the Fair Credit Reporting Act ( FCRA ) and blatant disregard for the Consumer Data Industry Associations Metro 2 credit reporting standards. Despite multiple disputes and requests for reinvestigation, Equifax continues to report inaccurate, unverifiable, and unauthorized negative information on my credit report, severely harming my credit standing and financial well-being.

Violations Include : 1. Failure to Conduct Reasonable Reinvestigations FCRA 1681i Equifax repeatedly returns unverifiable tradelines as verified without providing documentation or evidence of substantive investigation, violating the duty to conduct a reasonable reinvestigation under 1681i ( a ). Automated and superficial responses fail to comply with 1681e ( b ) accuracy mandates.

2. Reporting Inaccurate and Conflicting Account Information FCRA 1681e ( b ) ; Metro 2 Violations Multiple tradelines contradict themselves by showing accounts as Never Late while simultaneously reported as Charge-Off or Included in Bankruptcy. Metro 2 standards require consistent, accurate reporting of Account Status and Payment Ratings, which Equifax has flagrantly ignored. 
XXXX. Failure to Verify XXXX XXXXXXXX Bankruptcy FCRA 1681i ; Metro 2 K2 Segment The XXXX XXXXXXXX bankruptcy reported is not directly verified with the originating court but sourced from third-party vendors, violating 1681i ( a ) ( 1 ) ( A ). Metro 2 rules also mandate proper court verification and coding, which Equifax has failed to implement.

4. Unauthorized Hard Inquiry FCRA 1681b ( f ) An inquiry by XXXX on XX/XX/year> occurred without my authorization, violating consumer consent requirements under 1681b ( f ). 
XXXX. Failure to Provide Complete Payment History Metro 2 Payment History Profile Field Several tradelines lack full, accurate payment history, obstructing my ability to verify or dispute account accuracy, violating FCRA 1681e ( b ) and Metro 2 requirements.

6. Misreporting Dates of First Delinquency and Balances FCRA 1681e ( b ) ; Metro 2 Accounts inaccurately show dates of first delinquency and maintain nonXXXX balances post-bankruptcy discharge, violating both FCRA and Metro 2 mandates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: WY

Complaint narrative:
I am forwarding a letter sent to FBI Inspector General, XXXX XXXX this morning concerning a scam I have been involved in which XXXX refuses to address. I filed a complaint with CFPB ( above ) which was absolutely useless as most CFBP complaints are since nothing is ever done to address the offending institution.

This scam issue involves many more individuals than myself as detailed in my letter to XXXX XXXX. I am requesting your assistance with this because XXXX has a negative track record supporting customers who have been scammed and also because the documentation sent to me by XXXX in their response to CFPB includes letters from Experian and Equifax. What do they have to do with my XXXX complaint and charges I have disputed on my account? 

They are negatively impacting my FICO reports by stating I do not have enough revolving credit. My FICO is XXXX and I use XXXX to purchase items in order to have ongoing payments to boost my credit score. XXXX has informed me they do report to these agencies, and my account is in very good standing. I also pay utilities, internet, gas and electric monthly which should be reflected in ongoing accounts. 

Why has XXXX involved Experian and Equifax in my dispute? No one from XXXX has ever spoken to me regarding the scam issue. They state the merchant disagrees and they side with the merchant. I have informed XXXX XXXX and leadership I never purchased anything from XXXX XXXX XXXX XXXX. I purchased XXXX soaker hoses from XXXX which is a scam website- and they sent the charges to XXXX XXXX XXXX XXXX - apparently another scam site. No order confirmation was received ; a fraudulent shipping email was sent to my junk mail from XXXX and no items purchased have been received. How can XXXX blatantly allow fraudulent charges on my credit card? 

FBI XXXX XXXX and all those copied will not receive the letters I mailed to them until probably XX/XX/year> due to the Holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
I have transfered XXXX XXXX pounds to my account but they money is not showing in my balance after 3 days. I contacted support and they are not responding. There are no phone numbers at all and they will not let me access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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 XXXX XXXX XXXX XXXX  {$3300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is to notify you that I formally dispute the debt you assert I owe. I also wish to raise serious concerns about the legality of your collection practices. I do not acknowledge any obligation to the following agencies : 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 Please provide full debt validation as required by 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, account number, balance breakdown, and a copy of your purchase agreement with the original creditor. I have reported these concerns to the Consumer Financial Protection Bureau.

I also revoke consent for contact via phone, text, or email. From now on, communication must be in writing. Failure to provide a proper dispute opportunity per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and the use of deceptive collection practices without the required legal disclosures, violate my consumer rights. In addition, [ creditor_name ] may not furnish information to credit bureaus without proper disclosure under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to 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  -- {$3300.00}

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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX According to my records, this account is either inaccurately reported or should no longer appear on my credit profile. 

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health. 

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely. 

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances. 

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it. 

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of 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 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: ID Analytics, Inc.
State: VA

Complaint narrative:
I am writing to formally dispute an item appearing on my credit report in connection with your company, referenced under Dispute Number XXXX According to my records, this account is either inaccurately reported or should no longer appear on my credit profile. 

Specifically : I dispute the validity or status of the account you are reporting. These remarks have been detrimental to my life and credit health. 

The account is listed as closed, and I am requesting verification of this status and the reason for the closure. As I was promised the account would be removed completely. 

If this account was sent to collections in error or has been resolved, I request that it be updated to reflect paid, resolved, or removed entirely, depending on the circumstances. 

As required under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this dispute and correct or remove any inaccurate, outdated, or unverifiable information from my credit file. Please provide documentation validating the account and your authority to report it. 

Please complete your investigation within the time allowed by law and provide written confirmation of the results. I would appreciate a prompt and fair resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TX

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: TX

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Company Name : Pentagon Federal Credit Union ( PenFed ) Issue Type : Auto loan or lease Problems when you are unable to pay What happened : In XXXX, I experienced a financial hardship and applied for assistance with my PenFed auto loan. Despite submitting my hardship request, PenFed denied it and offered no clear reason or alternative. Shortly after, they repossessed my vehicle without giving me proper legal notice of default, repossession, or sale.

I was not given a breakdown of any remaining balance or sale documentation. I have since disputed the account multiple times. PenFed failed to provide required documentation under UCC 9-611, 9-614, and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). The repossession has negatively affected my credit, and I believe it was conducted improperly.

I formally request that PenFed provide all legal documentation validating the repossession, or remove the negative reporting from my credit report entirely.

What resolution are you seeking?

Immediate investigation into the repossession process Full validation documents ( contract, repo notice, sale details, etc. ) Deletion of any unverifiable tradeline on my credit report A clear written explanation of their decision process Removal of deficiency balance if not legally justified In addition to the improper repossession, I was never allowed to retrieve my personal property from the vehicle. There were over {$2000.00} worth of T-shirts and merchandise in the car belonging to my business. PenFed and/or their recovery agent never notified me or allowed retrieval of my belongings, violating my rights and causing further financial harm. This is a direct violation of personal property protection under UCC law and state repossession standards Impact : This has caused me long-term damage to my credit and emotional stress. I was actively trying to resolve the issue but was denied help without clarity or fairness.

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 2025-06-29 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. 

UNKNOWN XXXX XXXX XXXX XXXX- {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NV

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 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 XXXXXX/XX/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