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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Tx XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Request for Removal of Inaccurate Information from Credit Report Dear [ Equifax/Experian/TransUnion ], I am writing to formally dispute certain information on my credit report that does not pertain to me. I am requesting the removal of all negative items associated with the name " XXXX XXXX XXXX. '' My full legal name is " XXXX XXXX XXXX XXXX '' Upon reviewing my credit report, I have identified accounts and negative entries that appear to belong to my father, XXXX XXXX XXXX. These items are inaccurately listed under my credit profile and are adversely affecting my credit standing.

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am exercising my right to dispute inaccurate information on my credit report. I request that you investigate and remove any and all information that is not directly associated with me, specifically those items linked to " XXXX XXXX XXXX. '' To assist in your investigation, I have enclosed the following documents : A copy of my credit report with the disputed items highlighted. 

A copy of my government-issued identification. 

Proof of my current address ( e.g., utility bill, bank statement ). 

Please conduct a thorough investigation and provide written confirmation of the removal of these inaccurate items. If you require any additional information to facilitate this process, do not hesitate to contact me at the address or phone number listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aubrey Thrasher, LLC
State: CA

Complaint narrative:
b'I requested debt validation from the third-party collection company; they returned with a nasty email response: \n\nGood morning,\n\n\nWe are aware of the property owned and we plan to pursue the debt to the extent that we obtain a judgment and attach it to the property.  Domestication and a lien being placed on the property. We also are aware of multiple businesses owned by you. There is also the probability of bank garnishment. With the approved judgment will come interest and additional fees and cost.\n\n\nUpon further research, we now understand that there are personal assets, as well as possible business assets to pursue upon obtaining a judgment. Our client has pleaded with us not to delay the filing. Please advise your client as of this moment: do not remove, relocate, sell or otherwise obstruct the enforcement of our clients UCC lien against the assets of the business.\n\n\n \n\nShould your client decide to settle the account in a lump sum, we will immediately forego the lawsuit being prepared against you and release the UCC Lien(s) on the business and its assets, we will commence with litigation efforts against the business and guarantor in the County Magistrate or State Court, whichever is the appropriate venue.\n\n\n \n\nKind Regards,\n\n \n\n \n\n \n\n \n\n \n\n \n\n\n\nWillie Love\n\nCase Manager\n\n \n\nOffice: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: IL

Complaint narrative:
i asked for all inquiries to be verified if not to delete

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i asked for all inquiries to be verified if not to delete

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter shall serve as my official notice of dispute and demand for immediate corrective action concerning multiple inaccurately reported and/or reinserted accounts appearing in my consumer credit file maintained by your organization.

Upon reviewing my report, I discovered the following accounts being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) and the Metro 2 Data Field Reporting Guidelines as required by the XXXX XXXX XXXX XXXX ( XXXX ). 

Let me be clear : If you continue to ignore this demand and fail to comply with FCRA, FCBA, ECOA, and applicable state reporting laws, this letter shall be treated as my formal pre-litigation notice prior to petitioning for a writ of review in civil court. 

Reinserted or Inadequately Verified Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations Noted : Failure to Provide 5-Day Reinsertion Notice As per FCRA 611 ( a ) ( 5 ) ( B ), any previously deleted item can not legally be reinserted without written notice within five ( 5 ) business days. I have not received such notice. If reinsertion occurred without it, this is a willful violation.

Lack of Permissible Purpose & Verification Under FCRA 604 ( a ) and 607 ( b ), you are required to ensure every reported account is accurate and legally verifiable. You have not provided any documented evidence supporting the legal accuracy or completeness of these entries.

Metro 2 & XXXX Reporting Violations The reporting format and field population appear inconsistent with Metro 2 standards for compliance. This undermines the integrity of your reporting, which may be construed as negligence or willful non-compliance.

Action Demanded : DELETE all accounts listed above that lack proper verification or were reinserted unlawfully.

Mail a physical copy of the results of your reinvestigation, including a copy of my full updated credit report, to the address listed above.

Provide all supporting documentation used to verify these accounts, including contracts, signatures, billing statements, or any instrument showing consumer liability and permissible use.

Final Warning : Failure to comply within the 30-day reinvestigation window required under FCRA 611 ( a ) ( 1 ) ( A ) will result in formal complaints being filed with the CFPB, FTC, and my State Attorney General, as well as civil litigation for statutory and punitive damages under FCRA 616 and 617 for willful and negligent noncompliance.

I expect a timely, complete, and lawful response.

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: 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: CA

Complaint narrative:
This letter shall serve as my official notice of dispute and demand for immediate corrective action concerning multiple inaccurately reported and/or reinserted accounts appearing in my consumer credit file maintained by your organization.

Upon reviewing my report, I discovered the following accounts being reported in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) and the Metro 2 Data Field Reporting Guidelines as required by the XXXX XXXX XXXX XXXX ( XXXX ). 

Let me be clear : If you continue to ignore this demand and fail to comply with FCRA, FCBA, ECOA, and applicable state reporting laws, this letter shall be treated as my formal pre-litigation notice prior to petitioning for a writ of review in civil court. 

Reinserted or Inadequately Verified Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations Noted : Failure to Provide 5-Day Reinsertion Notice As per FCRA 611 ( a ) ( 5 ) ( B ), any previously deleted item can not legally be reinserted without written notice within five ( 5 ) business days. I have not received such notice. If reinsertion occurred without it, this is a willful violation.

Lack of Permissible Purpose & Verification Under FCRA 604 ( a ) and 607 ( b ), you are required to ensure every reported account is accurate and legally verifiable. You have not provided any documented evidence supporting the legal accuracy or completeness of these entries.

Metro 2 & XXXX Reporting Violations The reporting format and field population appear inconsistent with Metro 2 standards for compliance. This undermines the integrity of your reporting, which may be construed as negligence or willful non-compliance.

Action Demanded : DELETE all accounts listed above that lack proper verification or were reinserted unlawfully.

Mail a physical copy of the results of your reinvestigation, including a copy of my full updated credit report, to the address listed above.

Provide all supporting documentation used to verify these accounts, including contracts, signatures, billing statements, or any instrument showing consumer liability and permissible use.

Final Warning : Failure to comply within the 30-day reinvestigation window required under FCRA 611 ( a ) ( 1 ) ( A ) will result in formal complaints being filed with the CFPB, FTC, and my State Attorney General, as well as civil litigation for statutory and punitive damages under FCRA 616 and 617 for willful and negligent noncompliance.

I expect a timely, complete, and lawful response.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Ive just sent disputes in when I called the three bureaus they send send all documents to look it over cause I just my scores and accounts this week and the report had false information on my report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Ive just sent disputes in when I called the three bureaus they send send all documents to look it over cause I just my scores and accounts this week and the report had false information on my report

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ 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: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate and possibly illegal items appearing on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account was opened in XXXX and charged off years ago. It is still reporting in XXXX. This is beyond the 7-year limit allowed under FCRA Section 605 ( a ). Please remove immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been closed since XX/XX/XXXX, but it is still showing recurring charge-off status every month through XXXX. This is inaccurate and a violation of FCRA rules on closed accounts. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same issue as above. Closed account reporting new charge-offs monthly. This is a misrepresentation and re-aging of debt. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reporting charge-offs only to Experian, not TransUnion or XXXX. They appear unverifiable and inconsistent. Please investigate or remove. 

Please delete or correct these entries within 30 days, as required by the FCRA. If not resolved, I will escalate this dispute to the * * Consumer Financial Protection Bureau ( CFPB ) * *. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY 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: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate and possibly illegal items appearing on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of the following : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account was opened in XXXX and charged off years ago. It is still reporting in XXXX. This is beyond the 7-year limit allowed under FCRA Section 605 ( a ). Please remove immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account has been closed since XX/XX/XXXX, but it is still showing recurring charge-off status every month through XXXX. This is inaccurate and a violation of FCRA rules on closed accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Same issue as above. Closed account reporting new charge-offs monthly. This is a misrepresentation and re-aging of debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are reporting charge-offs only to XXXX, not XXXX  or XXXX. They appear unverifiable and inconsistent. Please investigate or remove. 

Please delete or correct these entries within 30 days, as required by the FCRA. If not resolved, I will escalate this dispute to the * * Consumer Financial Protection Bureau ( CFPB ) * *. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
I am filing this complaint against XXXX Mortgage regarding account XXXX XXXX XXXX XXXX XXXX XXXX which has been reported with multiple late payments ( including XXXX and 180 days delinquency ) on my XXXX XXXX XXXX credit reports. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to ensure that any information they report is accurate and verifiable. I formally requested that XXXX XXXX provide verifiable documentation proving that they sent me prior written notice warning of the delinquency and the potential negative reporting before reporting these late payments. 

Specifically, I asked for : 1. Exact copies of all warning notices, 2. Dates when those notices were sent, 3. Proof of delivery or receipt. 

XXXXXXXX XXXX failed to provide this documentation. Reporting such unverifiable derogatory information violates the FCRA. I am requesting that the CFPB investigate this matter and require XXXX XXXXe to immediately delete all late payment entries from my credit reports if they can not prove that proper prior notice was provided in accordance with federal law. 

This misreporting has caused significant harm to my credit profile and I request immediate intervention.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear CFPB, I am writing to file a complaint against TransUnion for their failure to promptly remove multiple unauthorized hard inquiries from my credit report. These inquiries are the result of identity theft and were not authorized by me. 

Despite my repeated disputes with TransUnion via phone and certified mailincluding submission of a police report and FTC Identity Theft Reportthese inquiries remain on my credit report, damaging my credit score and financial standing. 

The unauthorized hard inquiries include ( but are not limited to ) : 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  ( XX/XX/XXXX ) Under the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to investigate and remove any information proven to be fraudulent or inaccurate within 30 days. Their failure to comply has caused ongoing harm. 

I respectfully request the CFPB investigate this issue and assist in ensuring that TransUnion promptly removes these fraudulent inquiries and improves their dispute resolution process. 

Attached are copies of my dispute documentation, police report, and FTC Identity Theft Report. 

Thank you for your attention to this urgent 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 2025-06-26 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: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
b'I noticed unauthorized inquiries on my credit report that I would like to remove according to the FCRA, these unverified and unauthorized items must be removed immediatelyXXXX 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

Company response to consumer: Closed with explanation