vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I am formally disputing multiple inaccuracies on my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Metro 2 Compliance standards.

You are reporting false, unverifiable, and incomplete information that directly violates : FCRA 1681e ( b ) ( Maximum Possible Accuracy ) FCRA 1681i ( Reinvestigation of Disputed Information ) Metro 2 CRRG ( 2020 ), fields and reporting structure compliance I demand immediate deletion of all unverified, inaccurate, and incomplete information. You are legally required to maintain only complete, factual, and fully verifiable data. Your failure to comply exposes you to liability under FCRA 1681n & 1681o for willful non-compliance and damages. 

The following Personal Information is inaccurate and must be DELETED : Incorrect Names : XXXX XXXX, XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Addresses : XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA XXXX Employers : XXXX XXXX XXXX The following Accounts are being disputed due to unverifiable reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following Collections are disputed and must be DELETED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are disputed as unauthorized and lacking permissible purpose ( FCRA 1681b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are hereby given 30 days from receipt of this dispute to provide : Full physical documentation verifying permissible purpose, legal reporting authority, and original signed contracts.

Full Metro 2 field level compliance certification for each disputed data set.

An updated and corrected credit report reflecting the deletion of unverifiable items. 

Failure to comply will result in immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my State Attorney Generals office, and consideration of private legal action for damages. 

I expect full compliance. This dispute is submitted in good faith. The inaccuracies reported have materially harmed my financial profile and creditworthiness.

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 2025-06-20 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-20 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: AR

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AR

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-06-20 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-20 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: MD

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 explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I am submitting this formal complaint regarding a grossly inaccurate and misleading item being reported on my credit bureau by Contract Callers Inc ( CCI ) regarding an account allegedly tied to XXXX XXXX XXXX XXXX ( Utilities ). 


Account Details : Debt Collector : Contract Callers Inc ( CCI ) Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$160.00} Date Opened : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Reporting Agency : TransUnion Grounds for Dispute and Legal Violations : 1. Violation of 15 U.S.C. 1681i ( Failure to Reinvestigate ) After I disputed this item, the CRA responded with verified and updated but failed to provide adequate proof or documentation. This constitutes a failure to properly reinvestigate under the FCRA.

2. Violation of 15 U.S.C. 1681e ( b ) ( Failure to Maintain Accurate Reporting Standards ) The item is reported inconsistently as both Open and Charge-Off, which violates XXXX XXXX compliance standards that require accurate classification. An account can not legally be open and also a collection/charge-off. 
3. Furnishing of Inaccurate Information XXXX XXXX Compliance Violation XXXX XXXX standards mandate that accounts in collection must not appear as open trade lines. This classification error harms my credit eligibility and falsely inflates my open debt. 
4. Unlawful Reporting Beyond the Statutory Limits The last activity date is listed as XX/XX/XXXX, with estimated removal not until XX/XX/XXXX. The item must be removed 7 years from the original delinquencynot based on last update or payment. If the debt was already delinquent prior to XXXX, this violates the FCRAs 7-year reporting limit. 
5. Failure to Provide Validation under 15 U.S.C. 1692g ( FDCPA ) I have not received any proper debt validation directly from Contract Callers Inc as required under the Fair Debt Collection Practices Act. 


Supporting Case Law : Henson v. CSC Credit Services, 29 F.3d 280 ( 5th Cir. 1994 ) Bryant v. TRW , Inc., 689 F.2d 72 ( 6th Cir. 1982 ) Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. 1986 ) These rulings affirm that inaccurate reporting, failure to conduct reasonable investigations, and failure to correct errors after notice are actionable under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX NEW XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX : XX/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 non-monetary relief
Consumer complaint received 2025-06-20 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-06-20 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management placed a collection account on my XXXX  credit report. I disputed it multiple times and uploaded documentation requesting validation of the debt. Each time, the dispute came back as verified, but no actual documentation or explanation was provided. 

I requested the method of verification from XXXX, and they did not respond with how the debt was validated. Midland never provided a signed contract, itemized charges, or proof they had the right to collect the debt. 

Despite these requests, the collection account remains on my credit report and is negatively affecting my score. This has caused me emotional distress and financial harm. 

I believe this violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card with Bank of America has been dormant for an extended period of time, in order to keep my card open, i decided to use it again. I was unable to find the card and i requested a new one from their site. After i made that request, i was given a temporary number to use immediately, which i used to make a purchase for {$5.00} and change. I was supposed receive the physical card in the mail in a week or so. Some time later ( a few days maybe ), i got a text/email from BOA saying that a charge at XXXX XXXX was declined, i confirmed via text that it was not me. I did not think anything of it since i still haven't gotten the card yet. 

Another couple of days went by, I went to XXXX for a short trip ( XX/XX/XXXX to XX/XX/year> ). After I came back, i decided to log into my account to see where my card was, since i never received it. I realized that there was about 10 charges totaling around {$650.00} on my account. All of those charges were made in person in XXXX  while i was in XXXX. I also live in XXXX  full time and have never been to XXXX. 

I immediately called BOA to file a claim and I told them all of the above. Claim was denied because they said the card was mailed to the right address as well as a payment was made. I called back for the 2nd time and told them I never received the card. A payment was made on the account because I had autopay set up and the payment of {$5.00} and change was correct, since i did indeed make that purchase using the temporary card they provided earlier. It is likely their fraud team did not even bother to look into my claim as they used the same " reasons '' for denial twice even though i have all the proof to back up my claim. 

This experience has been quite frustrating as I had to spend time calling them several times and now I will be forced to pay those fraudulent charges while I continue to dispute, in order to not miss a payment. 

I have more than 10 credit cards with high credit limit that I use frequently and I have never ever had such a bad experience with claims.

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 monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 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 non-monetary relief
Consumer complaint received 2025-06-20 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
Company : Fair Collections & Outsourcing ( FCO ) Issue Type : Debt Collection XXXX Took or threatened to take negative or legal action Account # : XXXX I attempted to resolve a collection account ( FCO account # XXXX ) by negotiating a fair settlement in exchange for deletion from my credit report. I offered to pay a substantial portion of the balance ( {$1300.00} ), and even considered paying the full {$2200.00} they proposed, but requested a standard pay-for-delete arrangement in return. FCO refused, stating they do not delete items for payment. 

This collection is harming my ability to obtain credit, despite my efforts to settle the matter. Other agencies regularly agree to removal upon payment, but FCO declined to negotiate any deletion, leaving me in a lose-lose situation. I feel this is an unreasonable collection tactic and I am seeking assistance resolving this account without long-term damage to my credit history. 

Im requesting that this account be deleted from all credit reporting agencies upon settlement.

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 2025-06-20 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: IN

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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