vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is really frustrating on my end, Recently I was trying to update my personal information on EQUIFAX credit report specifically regarding my name and address. My full legal name is XXXX XXXX, I live in XXXX XXXX XXXX, XXXX, NJ XXXX. I mailed a dispute letter regarding this matter on XX/XX/year> this was confirmed that the letter was received via USPS TRACKER and my mailing tracker number is # XXXX. I just updated my credit report and to my surprise the inaccurate personal information on my credit report is still showing, I still see an inaccurate name on my file, it is XXXX XXXX when my full name is XXXX XXXX, another is my address XXXX XXXX XXXX, XXXX, NJ XXXX this is inaccurate. I was gon na file a complaint to FTC Identity Theft Report but due to the FTC government shutdown I wasn't able to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MN

Complaint narrative:
To Whom It May Concern, This letter serves as my * * formal legal demand * * for the * * immediate deletion * * of the above-referenced accounts from my consumer credit files. These accounts are being reported * * in violation of federal law * *, including the * * Fair Credit Reporting Act ( FCRA ) * *, the * * Fair and Accurate Credit Transactions Act ( FACTA ) * *, and the * * Metro 2 Compliance Standards * * set forth by the Consumer Data Industry Association ( CDIA ).

# # # * * Grounds for Deletion * * 1. * * FCRA 602A & 607 ( b ) * * Credit bureaus are required to maintain maximum possible accuracy. The reporting of multiple, conflicting charge-off dates, inconsistent balances, and differing statuses across bureaus fails this standard.

2. * * FCRA 611 ( a ) ( 5 ) ( B ) * * You have reinserted or maintained disputed information after prior disputes without providing proper written notice, violating reinvestigation and notice requirements. 
XXXX. * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnishers may not continue to report inaccurate information once notified of a dispute. Both XXXX and XXXX XXXX have re-reported unverifiable data. 
4. * * Metro 2 Format Violation * * Charge-off fields ( Account Status, Current Balance, and Date of First Delinquency ) are inconsistent between bureaus. This violates CDIA Metro 2 6.2.2 requiring uniformity.

5. * * FACTA 312 * * Requires data integrity procedures to ensure accurate reporting. The continued presence of false, unverified charge-off statuses proves noncompliance.

# # # * * Required Action * * I demand that each of the above accounts be * * deleted in full * * from all credit reporting databases within * * 15 calendar days * * of receipt of this notice. If you can not verify every field under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to * * delete the information * * entirely.

Failure to comply will result in immediate escalation and claims under * * 15 U.S.C. 1681n & 1681o * * for willful or negligent noncompliance. Monetary damages, legal costs, and civil penalties of * * {$1000.00} per violation * * will be pursued. 

This notice serves as a * * final opportunity to cure * * before enforcement action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MN

Complaint narrative:
To Whom It May Concern, This letter serves as my * * formal legal demand * * for the * * immediate deletion * * of the above-referenced accounts from my consumer credit files. These accounts are being reported * * in violation of federal law * *, including the * * Fair Credit Reporting Act ( FCRA ) * *, the * * Fair and Accurate Credit Transactions Act ( FACTA ) * *, and the * * Metro 2 Compliance Standards * * set forth by the Consumer Data Industry Association ( CDIA ).

# # # * * Grounds for Deletion * * 1. * * FCRA 602A & 607 ( b ) * * Credit bureaus are required to maintain maximum possible accuracy. The reporting of multiple, conflicting charge-off dates, inconsistent balances, and differing statuses across bureaus fails this standard.

2. * * FCRA 611 ( a ) ( 5 ) ( B ) * * You have reinserted or maintained disputed information after prior disputes without providing proper written notice, violating reinvestigation and notice requirements. 
XXXX. * * FCRA 623 ( a ) ( 1 ) ( A ) * * Furnishers may not continue to report inaccurate information once notified of a dispute. Both XXXX and XXXX XXXX have re-reported unverifiable data. 
4. * * Metro 2 Format Violation * * Charge-off fields ( Account Status, Current Balance, and Date of First Delinquency ) are inconsistent between bureaus. This violates CDIA Metro 2 6.2.2 requiring uniformity.

5. * * FACTA 312 * * Requires data integrity procedures to ensure accurate reporting. The continued presence of false, unverified charge-off statuses proves noncompliance.

# # # * * Required Action * * I demand that each of the above accounts be * * deleted in full * * from all credit reporting databases within * * 15 calendar days * * of receipt of this notice. If you can not verify every field under FCRA 611 ( a ) ( 1 ) ( A ), you are legally obligated to * * delete the information * * entirely.

Failure to comply will result in immediate escalation and claims under * * 15 U.S.C. 1681n & 1681o * * for willful or negligent noncompliance. Monetary damages, legal costs, and civil penalties of * * {$1000.00} per violation * * will be pursued. 

This notice serves as a * * final opportunity to cure * * before enforcement action. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN 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 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
They keep calling and harassing family members. I understand that payment needs to be made, however, calling a family member that is not associated with the loan more than once and discussing the debt is unacceptable. This has been going on even after the family member has asked this company to not reach them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: CA

Complaint narrative:
I purchased a vehicle from a Wyoming dealership, drove the vehicle back to the state of California and the vehicle is not eligible to be registered in the state of California due to the modifications it has. I requested the title information to be sent to my XXXX in Montana so the vehicle could be registered Dealership has not contacted me back Lienholder has kind of pushed this to the back burner as Ive been waiting for them for about XXXX months now. I havent been able to drive the vehicle since XXXX. 
And Im still receiving no help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-28 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: OH

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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

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 2025-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: OH

Complaint narrative:
On XX/XX/year>, Wise debited {$1000.00} from my XXXX  checking account via ACH under WEB ID XXXX. This debit was successful and cleared my bank, as proven by my XXXX records ( attached ). 

Wise later claimed that this payment failed due to insufficient funds, but that is not true. The funds were withdrawn from my account and left XXXX. Wise also claimed that they returned the money, but no refund was ever received. 

Important : My XXXX account was blocked/closed shortly after this debit. Because of that, any refund Wise attempted to send could not be delivered back to XXXX and should have automatically bounced back to Wise or XXXX settlement bank. However, Wise has not returned the money to me and has not shown proof of where the funds went. 

Instead, on XX/XX/year>, Wise removed the same {$1000.00} again from my Wise account balance, leaving my account negative and the funds missing entirely. The money is not at XXXX and not in my Wise account. Wise received the debit but never provided the refund. 

I repeatedly asked Wise to : - Provide an ACH trace for the missing funds, - Provide the ACH return code ( if Wise claims a return was sent ), - Confirm which settlement bank handled the transaction, - Explain where my {$1000.00} is being held. 

Wise refused to provide this information and closed my complaint without resolving the missing funds. Their response does not match the banking records. 

This is not a failed payment issue. This is a missing funds issue where Wise received my money but did not return it. I request that the CFPB require Wise to : XXXX. Perform a full ACH trace for WEB ID XXXX, XXXX. Provide proof of refund or immediately return my {$1000.00}, XXXX. Correct my Wise account balance. 

Attached : - XXXX transaction record showing Wise debit, - Wise correspondence denying responsibility, For clarity, I never received or used the missing {$1000.00}. Wise is attempting to collect a debt that does not exist because they never returned the original funds. I am not disputing a fee I am reporting missing funds that Wise has failed to locate or return.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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

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 2025-10-28 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: GA

Complaint narrative:
I am disputing a collection account reported on my credit report under the name Unknown, with a balance of {$760.00}. Despite multiple disputes with the credit bureaus, no original creditor has been identified, and I have received no documentation verifying the validity of this debt. 

This reporting violates the Fair Credit Reporting Act ( FCRA 609 & 623 ) and Metro 2 compliance standards outlined in the Credit Reporting Resource Guide. No contract, billing statement, or proper chain of assignment has been produced. The furnisher is reporting a derogatory tradeline without a source, and the credit bureaus have failed to conduct a meaningful investigation. 

I am now requesting CFPB assistance in holding the data furnishers and credit reporting agencies accountable for continuing to report unverifiable, incomplete, and misleading 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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company purchased a debt that I have been fighting for over 10 years. Apparently the debt came from the State of GA. I told the original company that this wasn't me. They did delete the debt but then a 3rd party company purchased the debt that is over XXXX XXXX XXXX and trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Payactiv, Inc.
State: FL

Complaint narrative:
PayActiv over-deducted funds from my paycheck and has refused to return the money. The deduction amount taken out by PayActiv does not match what I authorized or what was shown in my earned wage access balance. I contacted their customer support multiple times, but they have not resolved the issue or refunded me. On XX/XX/year> they deducted XXXX out my check as an system error I received that over deduction back XX/XX/year>. The next check was set to be disbursed to me on XX/XX/year>, they deducted XXXX unauthorized from my check. Now theyre refusing to give it back saying I owe them that amount of money. When asked for proof and they disregard or refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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