vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: SC

Complaint narrative:
I am submitting this formal dispute regarding multiple entries on my credit report that are inaccurate, unverifiable, and damaging. I am requesting permanent removal of these items, as they can not be substantiated by the furnishers or meet federal verification standards. 
The following late/closed accounts is being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} This account is reported as late/closed, yet my records show a XXXX balance and no delinquency. Reporting a closed account with a XXXX balance as late is misleading and violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which ensures consumers can dispute inaccurate information and have it removed if unverifiable. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from knowingly reporting false information, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) mandates maximum possible accuracy. Because this account can not be verified as late, it must be permanently removed. 
The following charged-off accounts are also disputed : XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXXXXXX Balance : {$3300.00} These accounts are reported as charged-off, but no 1099-C forms have been issued for debts exceeding {$600.00}. This lack of documentation indicates the debts can not be legally verified. Continuing to report these accounts violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) and FCRA 605B / 15 U.S.C. 1681c-2, which require unverifiable information to be blocked or deleted. I am therefore requesting permanent removal of these accounts from my credit report. 
In addition, I dispute the following unauthorized inquiries, which were made without my consent or permissible purpose : 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 These inquiries violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit obtaining a consumer report under false pretenses or without a legitimate purpose. Since I did not authorize these inquiries, I am requesting that they be permanently removed from my file.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. upon further investigation, I realized that my personal information was exposed in several data breach, including TransUnion data breach. I have no recollection of applying for any of the accounts in questions, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts I did not authorize or sign a contract for must be removed off my credit report in 4 days!

These fraudulent account are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On Saturday XXXX XXXX, 2025 at XXXX a transaction of {$1000.00} from coinbase was taken out of my chime account. I didnt see this transaction till around XXXX. I made the dispute and let chime know that I didnt not authorized this transaction and that I have my debit card with me. I was nowhere near the location of this transaction. I let chime know I reported it to the police department and sent them my location for proof that It wasnt me. There was also a XXXX transaction from the same coinbase and i disputed it and gave me that money back. It makes no sense to only find an error on the big amount but not the little one even though they came from the same coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
I have received money from a friend who owe me.they freeze my account and kept the money from more than 48 hours.they are giving me the run around when I ask for reasons for the suspension and are not allowing me to take my money back from the account.this is a cash app account.i am tired of there games.deposit of {$40.00} were made on Wednesday XXXX, XXXX. My money still froze on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
I have made multiple attempts throughout XXXX and XXXX to dispute the inaccurate information appearing on my credit reports with TransUnion, Equifax, and Experian. I have provided all necessary identification documents, including my drivers license, Social Security card, and a utility bill, and mailed them via certified mail to ensure proper delivery. Despite my ongoing efforts and numerous follow-ups, the matter remains unresolved. I have also consistently filed disputes through my online accounts with each credit bureau and have sent several written requests asking for the removal of fraudulent and incorrect accounts from my credit reports. 

The following accounts are fraudulent and were not authorized by me : XXXX XXXX XXXX XXXX Account ending in XXXX XXXXXXXX Balance : {$3900.00} Reported as Charge-Off XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX XXXXXXXX Balance : {$1800.00} Reported as Charge-Off I have already filed both an FTC Identity Theft Report and a Police Report, which verify that these accounts were created and used without my authorization. Copies of these reports, along with my prior dispute correspondence and identification documents, are enclosed again for your reference. 

Under FCRA 605B and California Civil Code 1785.16.1, you are legally required to block and remove all fraudulent information from my credit file within four ( 4 ) business days after receiving a valid identity theft report. Continuing to report these accounts after being notified constitutes a violation of federal law and exposes your organization to statutory damages, actual damages, and attorneys fees.

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 2025-11-08 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:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-08 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: NJ

Complaint narrative:
This account was previously deleted as fraudulent after an identity theft report was filed with the FTC. Equifax has unlawfully reinserted the same account without providing written notice or valid verification from the furnisher as required under Section 611 ( a ) ( 5 ) ( B ) and Section 605B of the Fair Credit Reporting Act. This is a clear violation of federal law and my consumer rights. I am requesting the CFPB to review this matter and require Equifax to remove the reinserted account permanently and provide confirmationinwriting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
TELL US WHAT HAPPENED THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
PayPal wrongfully restricted my account containing cryptocurrency ( XXXX and XXXX ) for over one year after the standard XXXX limitation period expired. I was repeatedly promised instructions for withdrawal under PayPals Cryptocurrency Terms and Conditions, but none were provided until I escalated multiple times.

Even after PayPal emailed confirming necessary changes had been made to allow withdrawal, the system still blocked all transfer attempts with Go to Resolution Center errors. Multiple agents ( XXXX, XXXX, XXXX XXXX escalated to the back office but failed to resolve it. Only after numerous calls and formal written notice was my balance finally released. 

I am filing this complaint because PayPal failed to respond to my written notice seeking compensation for the prolonged, wrongful restriction of my crypto assets. I request review by the CFPB and PayPals executive escalation team to resolve the issue and provide compensation for damages due to extended loss of access and breach of custodial obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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:
After carefully reviewing my credit file, I have identified an account that contains inaccurate late payment information that does not reflect the true and verified history of my payments. I am submitting this request in good faith for a detailed reinvestigation and correction of the reported data to ensure full compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  reports a balance of {$58.00} Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer information must be reported with the utmost accuracy. FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) requires that any disputed or inaccurate information be reinvestigated and corrected if found to be unverifiable or incomplete. Furthermore, FCRA 623 ( a ) ( 2 ) mandates that furnishers promptly correct and update any information they determine to be inaccurate or misleading to ensure that consumers records are reported fairly and truthfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-08 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: NC

Complaint narrative:
I am sending to dispute inaccurate reporting on several accounts listed under my name. I value accuracy and transparency in my credit history and am requesting that these matters be thoroughly reviewed and corrected in accordance with federal law. 
XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX Balanc

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 2025-11-08 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: FL

Complaint narrative:
I am filing this complaint because Experian continues to report a collection account from XXXX even though the furnisher has failed to validate the alleged debt. I sent XXXX a formal Debt Validation request under the FDCPA, and they did not provide any proof that this debt belongs to me. Despite the lack of validation, Experian keeps reporting this account on my credit file. 

I have submitted several disputes directly to Experian, always including my identification, proof of address, and notarized dispute letters. Experian only responds that the item was verified, without providing any supporting documentation or correcting the inaccurate information. In my most recent dispute, Experian improperly labeled my dispute as frivolous, even though I submitted new evidence and demonstrated ongoing violations. 

Under the FCRA ( 15 U.S.C. 1681i and 1681e ( b ) ), Experian must conduct a reasonable reinvestigation, ensure maximum possible accuracy, and delete information that can not be verified. XXXX has not validated the debt. Experian can not legally continue reporting an account that remains unverified and disputed. 

I am requesting that the CFPB require Experian to comply with federal law and remove the XXXX account from my credit report, since the furnisher has not validated the debt and Experian has failed to perform a lawful reinvestigation. I also request oversight to prevent Experian from marking valid disputes as frivolous and from reporting unverified information in the future.

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 2025-11-08 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-11-08 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 recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-11-08 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: NY

Complaint narrative:
Re : Account : XXXX XXXX ( Acct # XXXX ) Dispute : 2 late payments ( XXXX  ) I am writing to dispute two 30-day late payment entries on the above account, reported in 2022. These late payments occurred during the XXXX pandemic ( a federally recognized national emergency ), and under the Fair Credit Reporting Act ( FCRA ), such XXXX-related delinquencies may be eligible for removal if they resulted from hardship ( e.g., income disruption, illness ) during that period. 

I request verification of these entries and, per FCRA guidelines, their deletion from my credit report, as they do not accurately reflect my creditworthiness ( my account has since maintained on-time payments ).

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