vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
In XX/XX/XXXX, I discovered a fraudulent public record from the XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX ) on my credit report. This record was a result of identity theft and was successfully disputed and removed. 

However, in XX/XX/XXXX, the same XXXX  record was reinserted into my credit file without any notice or legal justification. I did not receive written notification within XXXX business days, nor was I provided with the name, address, or phone number of the furnisher responsible for the reinsertion, as required by the Fair Credit Reporting Act ( FCRA ). 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : Requires written notice to the consumer within XXXX business days of reinserting previously deleted information and disclosure of the furnishers identity. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or fraudulent. 
FCRA 1681c-2 : Requires consumer reporting agencies to block information resulting from identity theft when a valid FTC report is provided. 
FCRA 1681n and 1681o : Allows consumers to seek statutory or actual damages for willful or negligent noncompliance with the FCRA. 



What would be a fair resolution? 
XXXX. Permanent deletion of the fraudulent XXXX XXXX  XXXX record ( XXXX XXXX  XXXX ) from all credit reports issued by XXXX XXXX, and TransUnion. 
XXXX. A written explanation that includes : The date and reason the XXXX  was reinserted ; Whether the reinsertion was certified ; The name, address, and phone number of the furnisher that certified the reinsertion, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; Why I was not provided written notice within XXXX business days. 
XXXX. Immediate correction of all credit damage, including restoration of my credit score and removal of any adverse information tied to the XXXX. 
XXXX. Written assurance that this public record will not be re-reported in the future unless full legal certification is provided in accordance with FCRA 1681c-2. 
XXXX. If the reinsertion was done willfully or negligently, I request the CFPB to pursue appropriate enforcement actions and that I be considered for statutory or actual damages under FCRA 1681n and 1681o.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report. I noticed a late payment listed on XX/XX/year> XXXX XXXX  XXXX credit card that I believe is inaccurate. I have maintained on-time payments and do not have documentation showing that this payment was legitimate 30 days late. 

I am requesting a full investigation and verification of this late payment. if the creditor is unable to provide sufficient evidence. I am asking that the record be updated to reflect accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year> I applied for a XXXX XXXX credit card thur synchrony bank. 
I was approved for a XXXX credit limit. I made XXXX small purchase of gas. I paid that purchase off in a few days. They closed my account for high risk of failure to pay according to my XXXX report on XX/XX/year> But I called XXXX XXXX myself And I was told my credit doesnt show that type of history. And synchrony does this to randomly people for no reason I feel my account was closed for a bogus reason. Cause when I called XXXX XXXX different times, I got XXXX different answers and why it was closed. When I have a XXXXXXXX XXXX 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 2025-07-16 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 writing to formally dispute a charge off reporting on my account, This charge off by XXXX XXXXXXXX XXXX is being reported to Transunion XXXX and XXXX  and I believe that this entry is inaccurate, the charge off in question is identified as a charge off but I do not believe the creditor has followed the legal requirements to report it as such according to FCRA and related laws.Legal basis for dispute under 15 U.S CODE 1681a ( 2 ) the term consumer report does not include reports that solely contain information regarding transactions ir experiences between the consumer and the person making the 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: WA

Complaint narrative:
I have a Direct Express account for SSI. On XX/XX/XXXX I noticed fraudulent charges from XXXX. I verified on my own XXXX account that it was not me. I called Direct Express XXXX ( XXXX ) times and could not get through to a representative until XX/XX/XXXX. I filed a dispute and was issued a provisional credit. They asked me to fill out a paper claim they mailed me, and I sent it to the email address they gave me the same day I got the claim in the mail on XXXX. Now on XX/XX/XXXX they have reversed the provisional credit and will not tell me why. They are refusing to give me information about the claim or why they have reversed the credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

Everything on FTC and PDF is fraud Remove immediately! 


15 USC 1681c-2 I did not authorize. Block Remove immediately!

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 2025-07-16 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: VA

Complaint narrative:
I am writing to dispute several serious inaccuracies appearing on my credit report regarding an account listed under the name XXXX XXXX XXXX. Upon a careful review of the information you have reported, I have identified multiple inconsistencies, reporting conflicts, and incorrect data entries that warrant immediate investigation, correction, or complete deletion from my credit profile.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Someone try to open a checking account in my name. The bank said they were unable because they didn't have all of my information

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 2025-07-16 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: FL

Complaint narrative:
Formal Demand for Reinvestigation Metro 2 Compliance Required To Whom It May Concern, This is a formal dispute and request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Metro 2 compliance framework enforced by the Consumer Data Industry Association ( CDIA ). This letter also serves as legal notice of failure to comply with FCRA 602, 607 ( b ), 611 ( a ), and Metro 2 format violations. I demand that the following accounts be fully deleted or verified through manual review, not through E-OSCAR or automated processes. This request includes data integrity requirements that mandate a real person and data furnisher must perform actual reinvestigation and validation. Disputed Accounts & Grounds for Removal : 1. XXXX XXXX XXXX  ( XXXX XXXX Account # XXXX No notice sent per FDCPA 809. No contract or consent to collect. Incomplete account info ; violates Metro 2s Field ID requirement. Demand : Full deletion due to unverifiable, incomplete, and unauthorized entry. XXXX. XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Duplicate reporting of a previously charged off account. No proof of assignment or legal ownership. Conflicts with XXXX XXXX 's own charged-off entry. Demand : Deletion for redundancy, false reporting, and lack of verification. XXXX. XXXX XXXX XXXX ( XXXX ) Account # XXXX Duplicate entry ; XXXX already charged off. Re-aged balance. No contract. Demand : Remove for improper reporting, FCRA 607 ( b ) violation. XXXX. XXXX XXXX Account # XXXX Closed by grantor, yet shows as charged off with balance due. Demand : Remove charge-off notation or delete entire entry. XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX Double listed under LVNV XXXX re-aged balance. Demand : Deletion for inaccurate and duplicate reporting. XXXX. XXXX Account # XXXX XXXX sold but not updated ; no {$0.00} balance. Demand : Remove as duplicate with XXXX XXXX. XXXX. XXXXXXXX XXXX  Account # XXXX Consumer disagrees flag placed without reinvestigation notice. Demand : Remove for FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) violation. XXXX. XXXX Account # XXXX XXXX lates but lacks Account in dispute notice ; false reporting. Demand : Update or remove for noncompliance with Metro 2 Segment Code.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Date : XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Debt Validation under the Fair Debt Collection Practices Act To Whom It May Concern : I, am submitting this formal request for validation of an alleged debt currently being pursued by [ TRANSWORLD SYSTEM INC ], associated with account number [ XXXX ] & [ XXXX XXXX ] or otherwise attributed to me. 

In accordance with my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I respectfully request the following : A complete and itemized breakdown of the alleged debt, including all interest, fees, and charges ; The name and contact information of the original creditor, and a copy of the original signed agreement, if applicable ; Documentation proving that the collector has legal authority to collect this debt in the state of Texas ; A full payment history on the account, showing any prior payments and how they were applied ; Written confirmation that the debt is not time-barred under the applicable statute of limitations. 

Until this documentation is provided, I request that all collection activity and credit reporting related to this matter be suspended in compliance with federal law. 

Thank you for your immediate attention to this request. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like XXXX, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-07-16 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 9. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) XXXX XXXX XXXX # XXXX, XXXX ) -XXXX XXXX XXXXXXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
10. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

11. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 writing to formally dispute this charge off reporting to my credit report, this charge off by XXXX is being reported to Transunion and I believe that this entry is inaccurate the charge off in question is identified as a charge off, but I do not believe the creditor has followed the legal requirements to report it as such according to FCRA and related laws.Legal basis for dispute under 15 U.S CODE 1681a ( 2 ) the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the 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 explanation
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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