vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
Of course. Here is a sample dispute letter for you to use. Please fill in your personal information and the account details. Sending this via certified mail with a return receipt requested is a good practice for documentation. 
[ Your Name ] [ Your Address ] [ Your City, State, Zip Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate and Unverifiable Account - Account Number [ Account Number ] To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( as shown on the report ) I am disputing this account as inaccurate and unverifiable. The account is being reported as " Derogatory, '' which I believe is a reporting error. I am requesting that you provide me with documentation and proof of the validity and accuracy of this debt.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602, it is the purpose of the FCRA to ensure consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, and relevancy. The reporting of this inaccurate account violates this principle.

Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report " as instructed by the consumer in writing. '' I have not provided any written instructions to furnish this inaccurate account. 
I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 

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
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Of course. Here is a sample dispute letter for you to use. Please fill in your personal information and the account details. Sending this via certified mail with a return receipt requested is a good practice for documentation. 
[ Your Name ] [ Your Address ] [ Your City, State, Zip Code ] [ Your Phone Number ] [ Your Email Address ] [ Date ] Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Dispute of Inaccurate and Unverifiable Account - Account Number [ Account Number ] To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( as shown on the report ) I am disputing this account as inaccurate and unverifiable. The account is being reported as " Derogatory, '' which I believe is a reporting error. I am requesting that you provide me with documentation and proof of the validity and accuracy of this debt.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 602, it is the purpose of the FCRA to ensure consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, and relevancy. The reporting of this inaccurate account violates this principle.

Furthermore, under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report " as instructed by the consumer in writing. '' I have not provided any written instructions to furnish this inaccurate account. 
I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
I have enclosed a copy of my identification and proof of address for verification purposes. 
Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further action to protect my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
Formal Dispute of Late Payments XXXX XXXX XXXX ( XXXX ) Account I am writing to formally dispute the accuracy and validity of late payment ( s ) reported on my credit report in connection with the XXXX XXXX XXXX ( XXXX ) auto loan account. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my legal right to dispute information that I believe is inaccurate, incomplete, or can not be verified. The late payments entries associated with this account are erroneous and damaging to my credit profile.

The following legal statutes support my dispute : FCRA 611 ( 15 U.S.C. 1681i ) : Requires consumer reporting agencies to conduct a reasonable reinvestigationof any disputed item within 30 days and remove or correct any information that is inaccurate, incomplete, or unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Prohibits furnishers of information from reporting information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

FCRA 602 ( A ) : States that consumer reporting agencies must ensure maximum possible accuracy of information contained in consumer reports.

This letter is a formal demand that your agency and XXXX XXXX XXXX fully verify the accuracy of the reported late payments. If you are unable to produce written documentation bearing my signature and showing that these late payments were reported accurately and in compliance with federal law, then the items must be permanently deleted from my credit report. 
Additionally, if you fail to provide documentation verifying these late payments within the required timeframe, it will constitute a willful and negligent violation of the FCRA. Should this occur, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. I will also pursue all legal remedies available to me, including monetary damages under FCRA 616 ( civil liability for willful noncompliance ).

I have enclosed a copy of my credit report highlighting the disputed entry. Please provide a written response confirming the outcome of your investigation. 
Action Requested : Immediately remove all late payment notations reported by XXXX XXXX XXXX ( XXXX ) from my credit file. 
Send written confirmation of deletion to the address above. 
Provide updated copies of my credit report reflecting the corrected information. 
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 non-monetary relief
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-26 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to TraffickingDebt Final Rule 1002.142 ( b ) ( 4 ) 51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

I am a victim of XXXX XXXX  of Debt Bondage and would like for all liste
d accounts to be blocked and deleted from company information with TransUnion. Please delete the following accounts : Perpay Balance : {$800.00} XXXX XXXX Balance : {$1300.00} Sprint Balance : {$1100.00} XXXX  Balance : {$2700.00} Charter Communications Balance : {$1200.00} XXXX  XXXX XXXX XXXX XXXX : {$1800.00} XXXX  XXXX XXXX  Balance : {$410.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX  Balance : {$1000.00} Thank you for your immediate 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 non-monetary relief
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 asking for your assistance to look into accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late incorrectly. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to show them as paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
I filed a dispute with my bank regarding a package I never received that I paid for using my debit card. USPS provided a formal letter admitting the package was lost in transit and included a document specifically addressed to the bank stating that the item was not delivered. 

I successfully submitted and won several identical disputes through the banks app using that USPS documentation. However, the app would not allow me to submit all the charges, it directed me to contact customer service for the rest. I opened a chat and representative submitted the remaining XXXX charges for me on XXXX dispute form and those are the ones that were denied. Not to mention the ones that they did approve despite the fact that all of them were submitted on XXXX day they were approve each in XXXX day increments. This makes no sense. Other than this is what they do to drag there feet or deny them. This is such a hassle over such a small amount but something needs to change with this bank and the way they are not following law. 

I was not provided a written explanation of the denial, nor any documentation used to make their decision no details whatsoever. When I tried to appeal the denial, the bank refused to reopen the dispute unless I submitted additional documentation, despite already giving them official USPS confirmation of non-deliverythe same document used to approve the others.

I believe the denial was improper and that the representative either mishandled the dispute or the bank is selectively denying valid claims. Their process is inconsistent, obstructive, and violates Regulation E ( 12 CFR 1005.11 ), which requires a written explanation and supporting documentation for all denied claims. 

I am requesting the CFPB investigate this banks dispute handling practices and their failure to comply with federal consumer protection laws and reopen my dispute and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint against AMEX and XXXX XXXX XXXX  ( XXXX ) for re-inserting previously disputed accounts into my credit report without proper notice or resolution, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have been disputing these accounts since XX/XX/year> after discovering I was a victim of a data breach that resulted in fraudulent accounts being reported under my nameaccounts that are not mine. Despite multiple disputes, neither company has provided verification as required under FCRA 611 ( a ) ( 1 ) ( A ), nor did I receive any written notice of reinsertion as mandated by FCRA 611 ( a ) ( 5 ) ( B ). Furthermore, there is no current permissible purpose for these accounts to appear on my credit report, violating FCRA 604 ( a ) ( 3 ). Both furnishers have also failed to maintain reasonable procedures to ensure maximum possible accuracy as outlined in FCRA 607 ( b ). I am requesting the complete and permanent deletion of the AMEX account ending in XXXX and the XXXX XXXX  account ending in XXXX, as these accounts are fraudulent, unlawfully reinserted, and continue to damage my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I reviewed my credit report and found unauthorized inquiries. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am formally disputing the student loan accounts reported under my name due to material changes in federal student loan administration following the XXXX order issued by XXXX XXXX to abolish the XXXX XXXX XXXX XXXX. This unprecedented action has created substantial uncertainty regarding the legitimacy, ownership, and enforceability of student loan debts that were previously under the purview of the XXXX XXXX XXXX 
I am demanding the immediate deletion of these accounts from my credit report. If these accounts are not removed, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate legal proceedings as necessary to enforce my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXX or XXXX I believe this account is inaccurate and unverifiable for the following reasons : 1. Duplication : I have two accounts reported by XXXX XXXX with different account numbers ( [ XXXX ] and [ XXXX ] ) but believe they are for the same original debt. This is an inaccurate representation of my credit history. 
2. Inaccuracy : The accounts are being reported as " Derogatory '' which is incorrect. I am disputing the validity of this account and the debt itself. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i, you are required to investigate and verify the accuracy of all reported information. As per 15 U.S.C 1681a ( 2 ) ( A ) ( i ), the term " consumer report '' does not include any report containing information solely for employment purposes which I am disputing as an inaccurate report. I am requesting that you provide me with documentation and proof of the validity and accuracy of this debt.

Furthermore, under 15 U.S.C 1681c ( a ), any information which is not verified must be removed from my credit report. Additionally, pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ), a consumer reporting agency can only furnish a consumer report under specific circumstances, none of which apply to the inaccurate reporting of this account.

I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
As this is a dispute regarding the accuracy of information, I am also notifying you that I am exercising my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C 6802, which states that a financial institution may not disclose nonpublic personal information about a consumer to a nonaffiliated third party unless certain conditions are met.

Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further legal action to protect my consumer rights. 
A copy of my identification and proof of address are enclosed for verification purposes. 
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 2025-06-26 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy and validity of the following account on my credit report : Creditor Name : XXXX XXXX  Account Number : XXXX or XXXX I believe this account is inaccurate and unverifiable for the following reasons : 1. Duplication : I have two accounts reported by XXXX XXXX with different account numbers ( [ XXXX ] and [ XXXX ] ) but believe they are for the same original debt. This is an inaccurate representation of my credit history. 
2. Inaccuracy : The accounts are being reported as " Derogatory '' which is incorrect. I am disputing the validity of this account and the debt itself. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i, you are required to investigate and verify the accuracy of all reported information. As per 15 U.S.C 1681a ( 2 ) ( A ) ( i ), the term " consumer report '' does not include any report containing information solely for employment purposes which I am disputing as an inaccurate report. I am requesting that you provide me with documentation and proof of the validity and accuracy of this debt.

Furthermore, under 15 U.S.C 1681c ( a ), any information which is not verified must be removed from my credit report. Additionally, pursuant to 15 U.S.C 1681b ( a ) ( 3 ) ( F ), a consumer reporting agency can only furnish a consumer report under specific circumstances, none of which apply to the inaccurate reporting of this account.

I am requesting that you conduct a thorough reinvestigation of this account. If you can not provide me with verifiable proof that this account is accurate and belongs to me, I demand that you immediately remove this negative and inaccurate information from my credit report. 
As this is a dispute regarding the accuracy of information, I am also notifying you that I am exercising my rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C 6802, which states that a financial institution may not disclose nonpublic personal information about a consumer to a nonaffiliated third party unless certain conditions are met.

Please be advised that if this unverifiable and inaccurate information is not removed, I will not hesitate to take further legal action to protect my consumer rights. 
A copy of my identification and proof of address are enclosed for verification purposes. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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:
I am writing to follow up on a previous dispute regarding the inaccurate and inconsistent reporting of multiple negative items on my credit report across the 3 bureaus. As of the most recent update, Equifax is reporting only one negative item, while the other 2 bureaus continue to report 7 negative items.

Company response to consumer: Closed with non-monetary relief