vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It May Concern, RE : SECOND DISPUTE Account # XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX Amount : {$530.00} | Date Opened : XX/XX/year> I am writing to formally dispute the continued reporting of the above-referenced account on my credit report. This is now my second dispute regarding this item, and I am demanding immediate corrective action. 

Your prior investigation resulted in a generic update labeling the account as disputed information updated. That is not an acceptable or sufficient resolution. This response fails to fully verify the accuracy or legality of this tradeline. Therefore, I am requesting the following : FULL DEBT VALIDATION REQUEST Please provide ALL of the following : 1. Documentation bearing my signature showing I agreed to this debt.

2. A full payment history, including dates and amounts.

3. Proof of ownership by XXXX XXXX or any current servicer.

4. Explanation of how the balance of {$530.00} was calculated.

5. Any records indicating my consent to the credit limit or terms.

FCRA COMPLIANCE REQUIRED If you can not provide this documentation within 30 days under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to : Delete this account from my credit file.

Cease all further reporting of this inaccurate or unverified information.

The continued reporting of an unvalidated debt is a violation of federal law and may also violate the Fair Debt Collection Practices Act ( FDCPA ).

ACTION REQUESTED I respectfully request that you : Complete a reinvestigation of this account.

Remove or correct any inaccurate, unverifiable, or incomplete data.

Provide a detailed summary of your investigation process and findings.

If I do not receive a satisfactory resolution within 30 days, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, RE : SECOND DISPUTE Account # XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX  Amount : {$530.00} | Date Opened : XX/XX/year> I am writing to formally dispute the continued reporting of the above-referenced account on my credit report. This is now my second dispute regarding this item, and I am demanding immediate corrective action. 

Your prior investigation resulted in a generic update labeling the account as disputed information updated. That is not an acceptable or sufficient resolution. This response fails to fully verify the accuracy or legality of this tradeline. Therefore, I am requesting the following : FULL DEBT VALIDATION REQUEST Please provide ALL of the following : 1. Documentation bearing my signature showing I agreed to this debt.

2. A full payment history, including dates and amounts.

3. Proof of ownership by XXXX XXXX or any current servicer.

4. Explanation of how the balance of {$530.00} was calculated.

5. Any records indicating my consent to the credit limit or terms.

FCRA COMPLIANCE REQUIRED If you can not provide this documentation within 30 days under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to : Delete this account from my credit file.

Cease all further reporting of this inaccurate or unverified information.

The continued reporting of an unvalidated debt is a violation of federal law and may also violate the Fair Debt Collection Practices Act ( FDCPA ).

ACTION REQUESTED I respectfully request that you : Complete a reinvestigation of this account.

Remove or correct any inaccurate, unverifiable, or incomplete data.

Provide a detailed summary of your investigation process and findings.

If I do not receive a satisfactory resolution within 30 days, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX 2000 XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the XXXX  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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$580.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-25 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: Self Financial Inc.
State: FL

Complaint narrative:
The account is being reported. I have no knowledge of it. Ive tried to rectify everything with the company, but they have failed to send me proof of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-25 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 XXXX XXXX. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 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: NC

Complaint narrative:
I have no knowledge of this company and I have never had any communication with them. I have sent multiple letters to XXXX requesting validation, verification and chain of custody. I do not have a copy of a wet-ink signed Master Promissory Note, and this company did not provide one upon request. I dont even have a full account # to provide because the only information about this alleged account is from the information collected through my credit reports. 

I have documentation that these letters were received and signed for, XXXX not only has not provided the documentation requested but it has been XXXX XXXX  and I have received NO communication from them what so ever. 

When I have disputed this account with all XXXX credit bureaus, XXXX  deleted the account immediately while Experian and XXXX  have not. Stating it has been verified but the requested documentation to prove the validity of this account was not provided.

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 2025-06-25 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: NC

Complaint narrative:
I have no knowledge of this company and I have never had any communication with them. I have sent multiple letters to XXXX requesting validation, verification and chain of custody. I do not have a copy of a wet-ink signed Master Promissory Note, and this company did not provide one upon request. I dont even have a full account # to provide because the only information about this alleged account is from the information collected through my credit reports. 

I have documentation that these letters were received and signed for, XXXX not only has not provided the documentation requested but it has been XXXX XXXX  and I have received NO communication from them what so ever. 

When I have disputed this account with all XXXX credit bureaus, XXXX  deleted the account immediately while XXXX  and Equifax have not. Stating it has been verified but the requested documentation to prove the validity of this account was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-25 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
This not a duplicate but a follow up. 
I have previously submitted disputes and complaints, but Discover has not properly responded or provided a consistent and accurate update. They are in violation of the Fair Credit Reporting Act ( FCRA ), which requires that information furnished to credit reporting agencies be complete and accurate. 

This incorrect reporting is causing harm to my credit score, affecting my financial opportunities, and is incredibly frustrating after years of the account being closed. Im requesting immediate investigation, correction, and a formal explanation from Discover as to why they are now reporting this closed account as open and delinquent. 


This account has been closed for years!, now all of a sudden once I dispute inaccuracies they start adding remarks harming my credit and also reporting closed on credit reports and open and currently late on another this is in violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern : This letter is a formal dispute of the reporting of the following account under my credit profile : Creditor : Portfolio Recovery Associates , LLC Original Creditor : XXXX  XXXX Account Number : [ XXXX XXXX XXXX ] Amount : {$450.00} Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C . 1681i ], I am exercising my right to dispute the accuracy and completeness of this information. This account has been sold or transferred without my consent, and no documentation has been provided to validate its ownership or accuracy. 

Furthermore, Portfolio Recovery has not provided any legally admissible evidence that : I owe this debt. 

They are the rightful assignee of the alleged account. 

They are reporting timely and accurate data, as required by FCRA 623.

They have followed the Fair Debt Collection Practices Act ( FDCPA ) regarding written notice of debt and consumer rights under 809 ( a ).

Because the information currently being reported is unverifiable, potentially inaccurate, and causing demonstrable harm, I am demanding its immediate and permanent deletion under federal law. 

You are required by law to complete your investigation within 30 days and provide a full response in writing. If you can not validate the item with original source documentation ( contract, signed application, chain of custody, etc. ), you must delete it. 

Failure to do so will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and other regulatory agencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I discovered a collection account on my credit report from XXXX XXXX XXXX ( Acct. # XXXX ) that I did not authorize, open, or consent to. I have never had any business dealings or communication with this company, and I believe this account is the result of unauthorized or fraudulent activity tied to my personal information. 
Despite not recognizing this debt, it has been reported to the credit bureaus, affecting my credit reputation and causing distress. Ive already submitted a dispute and an official FTC Identity Theft Report, as required under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. This law clearly states that such information must be blocked within four business days after a valid identity theft report is received.

This account continues to harm my creditworthiness and peace of mind, even though it should have never been reported under my name. I am simply asking for the protection that the law guarantees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I identified multiple inaccuracies and violations still reporting on my credit reports with Equifax, Experian, and TransUnion. These included unverified, outdated, duplicated, and incomplete derogatory tradelines, particularly from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On or around XX/XX/XXXX, several XXXX accounts were closed and marked as Dispute Resolved Consumer Disagrees, yet they remain negatively affecting my reports with TransUnion and Experian. These late payments occurred over seven years ago, and per FCRA 1681c ( a ), they should no longer be reported. 

Additionally, I placed an Extended Fraud Alert on my file with TransUnion on XX/XX/XXXX, yet hard inquiries and accounts were added afterward without verifying my identity as required by FCRA 1681c-2. I did not initiate or authorize these inquiries or applications, including those by Factual Data, Informative Research, and XXXX XXXX XXXX 

Despite multiple formal disputes submitted to the credit bureaus and the data furnishers, these accounts and inquiries remain unresolved or unverifiable. No sufficient reinvestigation results or documentation were provided as required by FCRA 1681i.

These ongoing violations have negatively impacted my credit score and caused financial harm, including the denial of favorable loan terms. I request immediate enforcement to require deletion of all inaccurate, unverifiable, and outdated information, and to hold the companies accountable under federal 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 2025-06-25 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: FL

Complaint narrative:
Let me be clearthis complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are taking a serious toll on me, both emotionally and financially, and continue to impact my life in ways that are hard to put into words. These are already difficult times, and having this corrected would bring much-needed relief.

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