vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Immediate Removal of Inaccurate and Inconsistent Account Reporting ( Account # : XXXX * * ) * * To Whom It May Concern, I am formally disputing and demanding the immediate deletion of the account listed above, which is being inaccurately, inconsistently, and unlawfully reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and XXXX XXXX compliance standards. 

Upon review, the following blatant inconsistencies have been identified between the XXXX major credit bureaus : -- - Date Opened : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Last Reported Date : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Date Last Active : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX -- - These dates do not align across the bureaus, and therefore clearly violate the accuracy and consistency requirements outlined under FCRA XXXX ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information reported. The reported data is contradictory, misleading, and suggests possible negligence or willful noncompliance with XXXX XXXX reporting guidelines. 

As a result, this account is in dispute, and I am demanding its immediate removal from all three credit bureaus. You are hereby notified that you have 30 days from receipt of this notice to complete your investigation and remove the account in question. 

Failure to remove this inaccurate and damaging account will result in the following actions : XXXX. A formal complaint filed with the Consumer Financial Protection Bureau ( XXXX  ). 


XXXX. Additional complaints submitted to the Federal Trade Commission ( XXXX  ) and your state Attorney General. 


XXXX. Pursuit of legal action for damages under FCRA XXXX and XXXX for willful or negligent noncompliance. 



Let this letter serve as your final notice. I expect confirmation of the deletion of this account from your records, and updated credit reports reflecting such, within XXXX  days from the date of this letter as required by federal law. 

Sincerely, [ Your Full Name ] XXXX XXXX XXXX Social Security Number : XXX-XX-XXXX ( last XXXX digits only ) Date of Birth : XX/XX/XXXX Send response to the above address in XXXX mail only

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX XXXX XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Immediate Removal of Inaccurate and Inconsistent Account Reporting ( Account # : XXXX * * ) * * To Whom It May Concern, I am formally disputing and demanding the immediate deletion of the account listed above, which is being inaccurately, inconsistently, and unlawfully reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, and XXXX XXXX compliance standards. 

Upon review, the following blatant inconsistencies have been identified between the XXXX major credit bureaus : -- - Date Opened : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Last Reported Date : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Date Last Active : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX -- - These dates do not align across the bureaus, and therefore clearly violate the accuracy and consistency requirements outlined under FCRA XXXX ( b ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information reported. The reported data is contradictory, misleading, and suggests possible negligence or willful noncompliance with XXXX XXXX reporting guidelines. 

As a result, this account is in dispute, and I am demanding its immediate removal from all three credit bureaus. You are hereby notified that you have 30 days from receipt of this notice to complete your investigation and remove the account in question. 

Failure to remove this inaccurate and damaging account will result in the following actions : XXXX. A formal complaint filed with the Consumer Financial Protection Bureau ( XXXX  ). 


XXXX. Additional complaints submitted to the Federal Trade Commission ( XXXX  ) and your state Attorney General. 


XXXX. Pursuit of legal action for damages under FCRA XXXX and XXXX for willful or negligent noncompliance. 



Let this letter serve as your final notice. I expect confirmation of the deletion of this account from your records, and updated credit reports reflecting such, within XXXX  days from the date of this letter as required by federal law. 

Sincerely, [ Your Full Name ] XXXX XXXX XXXX Social Security Number : XXX-XX-XXXX ( last XXXX digits only ) Date of Birth : XX/XX/XXXX Send response to the above address in XXXX mail only

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 2025-05-28 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: NJ

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I have 5 fraudulent accounts on my report that is not mines I need them to get off my report XXXX XXXX  XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX according to fcra section 605b.it is illegal to report any information on my profile without my permission.please remove these items off my report.thank you

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make.

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-05-28 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: SC

Complaint narrative:
This is a formal complaint against the credit bureau listed above for unlawfully reinserting a XXXX credit card account into my credit report without the required written notice, in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). 

This XXXX account was previously removed following a dispute. However, it has now been reinserted without ANY written notification within five ( 5 ) business days, which is a clear and blatant violation of my rights under federal law. I did not authorize this reinsertion, and I was not properly notified as required. 

Beyond the unlawful reinsertion, this account is reporting multiple factual inaccuracies across all three major credit bureaus, including but not limited to : Inaccurate Information Across Bureaus : Credit Limit : XXXX  and TransUnion report {$2000.00} XXXX  lists the credit limit as {$0.00}, which is incorrect High Credit : XXXX  and TransUnion show {$2700.00} XXXX  lists it as {$0.00} this is false and misleading Date Opened : XXXX XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX conflicting data Last Active Date : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX major discrepancies Last Payment Date : XXXX and TransUnion : XX/XX/XXXX XXXX  : XX/XX/XXXX Comments/ Dispute Status : XXXX  : Account was in dispute now resolved XXXX  : Charged off ; dispute resolved TransUnion : No dispute remark or confirmation of reinsertion notice Payment Status & Balance : All bureaus show charged-off status with a past due balance of {$2700.00} However, monthly payment is shown as {$0.00} misleading and unverified These contradictions demonstrate a failure to ensure accurate, consistent, and verifiable information as required under FCRA 607 ( b ). The bureaus had a duty to verify all data before reinserting this account and they failed. 

FCRA Violations Cited : FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion without notifying the consumer in writing within 5 business days FCRA 607 ( b ) : Failure to maintain maximum possible accuracy of the information FCRA 611 ( a ) : Failure to conduct proper reinvestigation before re-reporting a deleted item

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
This is a formal complaint against the credit bureau listed above for unlawfully reinserting a XXXX credit card account into my credit report without the required written notice, in direct violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). 

This XXXX account was previously removed following a dispute. However, it has now been reinserted without ANY written notification within five ( 5 ) business days, which is a clear and blatant violation of my rights under federal law. I did not authorize this reinsertion, and I was not properly notified as required. 

Beyond the unlawful reinsertion, this account is reporting multiple factual inaccuracies across all three major credit bureaus, including but not limited to : Inaccurate Information Across Bureaus : Credit Limit : XXXX  and TransUnion report {$2000.00} XXXX  lists the credit limit as {$0.00}, which is incorrect High Credit : XXXX  and TransUnion show {$2700.00} XXXX  lists it as {$0.00} this is false and misleading Date Opened : XXXX XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX conflicting data Last Active Date : XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX TransUnion : XX/XX/XXXX major discrepancies Last Payment Date : XXXX and TransUnion : XX/XX/XXXX XXXX  : XX/XX/XXXX Comments/ Dispute Status : XXXX  : Account was in dispute now resolved XXXX  : Charged off ; dispute resolved TransUnion : No dispute remark or confirmation of reinsertion notice Payment Status & Balance : All bureaus show charged-off status with a past due balance of {$2700.00} However, monthly payment is shown as {$0.00} misleading and unverified These contradictions demonstrate a failure to ensure accurate, consistent, and verifiable information as required under FCRA 607 ( b ). The bureaus had a duty to verify all data before reinserting this account and they failed. 

FCRA Violations Cited : FCRA 611 ( a ) ( 5 ) ( B ) : Reinsertion without notifying the consumer in writing within 5 business days FCRA 607 ( b ) : Failure to maintain maximum possible accuracy of the information FCRA 611 ( a ) : Failure to conduct proper reinvestigation before re-reporting a deleted item

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 2025-05-28 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request , you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ARS National Services, Inc.
State: ID

Complaint narrative:
XX/XX/year> made XXXX purchase for a outdoor garage with XXXX year warrenty XXXX years went by and it fell apart no replacement was available I was instructed to box it up and send it back with XXXX ups ground labels .. scheduled the pickup they picked it up and it never got to the warrenty company.. I filed tracking claim on this they were not able to find where it went warrenty company did the same they couldnt find it XXXX more years went by as we couldnt track it down as to where it went and warrenty decided I had done everything they where paying the full purchase price back on my account and they were not able too XXXX XXXX  closed my account without my knowledge they sent me a XXXX XXXX digit gift card to mail to them they used the excuse they had no way to redeem it I also provided email and contact name and number for them to call to settle this never did and Im not paying for a item that was either lost or stolen in ups posession I do not have the item I sent it back as instructed and now Im sent to collection because XXXX XXXX  doesnt want to take care of this .. labels we tracked where never ever to be traced at all so I dont know what happened after it was picked up and therefore Im not held responsible for thus .. not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: NY

Complaint narrative:
In XX/XX/year>, I received medical treatment from XXXX XXXX XXXX. I was uninsured at the time, but I became eligible for XXXX XXXX XXXX XXXX XXXXXXXX ) shortly after. I contacted my insurance, and they informed me that XXXX should be able to submit a claim to XXXX XXXX ( the XXXX claims processor ). However, XXXX told me it was too late for them to file and offered no financial assistance because I was past their application deadline. 

The outstanding balance of {$2100.00} was later transferred to XXXX for collection. I disputed the debt with XXXX, and they told me they can not discuss the matter for 30 days due to the dispute freeze. During that time, I made repeated requests for written updates and communication via email or mail but have received none. They continue to call me by phone without sending any written response or verification of the debt. 

In addition, I informed XXXX that I am currently homeless and unemployed and requested hardship assistance or any available options such as a settlement or payment plan, but I have received no acknowledgment or support. 

I am trying to resolve this matter in good faith, but I am not being given any written information or options despite being in a vulnerable financial situation. I need assistance ensuring this debt is verified properly, that communication is provided in writing, and that hardship or settlement options are considered fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the collection account listed under my name with your company. This account appears on my credit report with a balance of {$770.00}, listed as opened on XX/XX/ 2024, and marked as Placed for collection. This debt is not recognized and is being formally disputed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Dispute of Debt I demand full validation of the debt including : 1. A signed contract or agreement proving I authorized this debt.

2. The complete payment history and breakdown of the {$770.00} claimed.

3. Proof that XXXX XXXX XXXX XXXX has the legal authority to collect this debt.

4. A full chain of assignment from the original creditor to you.

Until such documentation is provided, you are in violation of the FCRA by continuing to report inaccurate or unverifiable information to the credit bureaus.

Cease and Desist Under FDCPA 805 ( c ), I am formally requesting that you cease and desist all communication with me regarding this account, effective immediately. You are further instructed to cease reporting this account to any credit reporting agencies until full validation is provided. If the account can not be validated, I demand immediate deletion from all credit bureaus. Be advised : If you do not provide the required documentation within 30 days, you must remove this
account from my credit reports with XXXX, XXXX, and TransUnion. 
Any continued collection activity or credit reporting without proper validation may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), FTC, and potential civil legal action.

Please confirm in writing that this account has been removed and that no further collection actions will be taken.

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