vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from XXXX Funding for an alleged debt originally from XXXX XXXX 

Here are the specific violations that require correction or removal of this account : Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Date Opened '' is XX/XX/XXXX, which does not reflect the actual Date of First Delinquency ( DOFD ). 
Debt collectors can not manipulate reporting dates to make a collection look newer than it is. 
Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is reported as both a Charge-Off and a Collection, which is false and misleading. 
A charged-off account can not be re-reported as a new collection. 
Inconsistent & Misleading " Last Reported '' Dates ( FCRA 611 Violation ) The " Last Reported '' date ( XX/XX/XXXX ) has been updated to make the account look new. 
This illegal practice extends the life of negative reporting. 
Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide : A signed original contract. 
An itemized breakdown of the debt. 
Proof that XXXX XXXX has the legal right to collect this debt. 
If this can not be provided, this account must be deleted 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Received a title loan and loan was paid in full by my insurance ( XXXX ) when I totaled my car. Full payment was sent to creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX, XXXX Social Security XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5900.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX, XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$860.00}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$790.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$460.00}, self financial/lead XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$180.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-21 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: IN

Complaint narrative:
Consumer Name : ( XXXX XXXX XXXX, XXXX Social Security XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$5900.00}, XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX, XXXX Account # XXXX XXXX opened XX/XX/XXXX bal. {$860.00}, XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$790.00}, XXXX. XXXX, XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$460.00}, self financial/lead XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$180.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: WI

Complaint narrative:
My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Inaccurate TransUnion Late Payment Remarks XXXX XXXX XXXX - Account # : XXXX - Past Due Amount : {$0.00} I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.

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 2025-03-22 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: PA

Complaint narrative:
I am writing to formally dispute inaccuracies and request removal of outdated and misleading information regarding an account with XXXX XXXX Bank ( Account # XXXX ) that appears on my TransUnion, Experian , and Equifax reports. 
This account is listed as paid and closed, yet it continues to reflect outdated dispute notations such as dispute resolved ; reported by grantor or account was in dispute now resolved. These remarks are no longer relevant and may unfairly impact my creditworthiness. 
Furthermore, there are inconsistencies in reporting among the three bureaus : TransUnion & Experian report a high credit of {$480.00} and a credit limit of {$400.00}. 
Equifax reports a high credit of {$400.00} and a credit limit of {$0.00}. 
Under FCRA 607 ( b ), all information furnished to consumer reporting agencies must be accurate and consistent. I respectfully request that these outdated remarks and inconsistencies be investigated, corrected, and removed where appropriate. 
I have contacted the credit bureaus, and if unresolved, I am requesting your assistance in investigating and removing this misleading data 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 2025-03-21 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: CA

Complaint narrative:
There is a collection account that just hit my credit report. I have no knowledge of this account, I have no relationship with this creditor. On the Experian report there is no information on how to contact this creditor. 

Account Name : XXXX XXXX XXXX Acct Number : XXXX Amount : XXXX I have no idea who this belongs to. I need this to be removed from all 3 credit bureaus 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 2025-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, after paying off all bills ( credit card ) my Credit report says I owe XXXX XXXX for XXXX accounts! XXXX, XXXX physicians for XXXX doctors visits and XXXXXXXX XXXX XXXX for XXXX  bill ( {$1400.00} plus ) the XXXXXXXX XXXX bill totaled {$300.00}! I set up payment plan for XXXX, XXXX, XXXX! Paid off both Bills but XXXX, XXXX say this is different bill.Debt recovery has XXXX accounts ( XXXX ) my bank had XXXX payments to them for XXXXXXXX XXXX XXXX But still getting calls from Lockhart Morris and Montgomery! saying debt is owed!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
The light bill is not been reported to the other credit companys

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 2025-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I disputed the {$730.00} transaction from XXXX because I did not receive the four items I ordered. Ive attached the receipt, which clearly lists these four items totaling {$730.00}. 

Chase Claims responded, stating I had already received a credit of {$500.00}. When I spoke with a representative, they listed the following credits : XX/XX/XXXX : {$48.00} XX/XX/XXXX : {$52.00} XX/XX/XXXX : {$400.00} Total : {$500.00} However, these credits are unrelated to the disputed {$730.00} transaction. They were issued for returned items from separate purchases. Ive attached screenshots confirming these refunds and the related items. 

If you compare the receipt for the {$730.00} transaction to the credited amounts, youll notice none of the item prices matcheven when accounting for tax ( 9.5 % ). Thats because the {$500.00} credit is from different transactions entirely. 

Please note : since XXXX combines multiple items in a single order, the original transaction totals may include multiple products. When one item is returned, the refund reflects only that itemnot the entire purchase. This explains why you may not see a single {$500.00} charge on my statementit was spread across multiple orders and refunds. 

Chase did not help me despite me calling them 8 times. In the end, they closed my case still saying that I was already issued the credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: CA

Complaint narrative:
XXXX XXXX,, SS # XXXX birthday XX/XX/XXXXXXXX  This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud. 

Attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i previously requested that all inacurate information be removed from my credit report. i guess an investigation was conducted but i am not happy with the results so i demand a reinvestigation and i want all contacts used. ive contacted the businesses show on my report and they told me that i contacting them in error. these accounts listed in my attached pages are not mine and i demand them be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding the inaccurate and misleading reporting of a collection account from Torres Credit for an alleged debt originally from XXXX XXXX. 

Here are the specific violations that require correction or removal of this account : Impossible " Date Opened '' ( FCRA 609 Violation ) The collection account is reported with a future date ( XX/XX/XXXX ), which is impossible and a direct violation of the FCRA 's accuracy requirements. 
This false reporting is damaging my creditworthiness. 
Illegal Re-Aging of Debt ( FCRA 623 Violation ) The " Last Reported Date '' ( XX/XX/XXXX ) has been fraudulently updated to make the debt appear newer. 
Credit bureaus must not allow this illegal practice, and this account should be immediately deleted.

Charge-Off & Collection Conflict ( FDCPA 807 ( 2 ) ( A ) ) The account is both a charge-off and a collection, which is false and misleading.

A charge-off account can not be reported as a new collection, making this an illegal double-reporting violation.

Failure to Validate Debt ( FDCPA 809 Violation ) The collection agency has failed to provide legal validati
on of this debt, including : A signed original contract An itemized breakdown of how the debt was calculated Proof that Torres Credit has the legal right to collect this debt If this can not be provided, this account must be deleted immediately under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am formally disputing the inaccurate and incorrect information that EXETER FINANCE LLC also known as EXETER FIN has furnished to consumer reporting agencies regarding my account. Your reporting of this account has caused severe harm to my reputation, financial standing, and overall ability to obtain credit for personal and household purposes. As such, you are in direct violation of federal law. 
Legal Violations Regarding Inaccurate Reporting Under 15 U.S. Code 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies, you are prohibited from reporting inaccurate information. Specifically : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : 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. 
By continuing to report this account inaccurately, you are knowingly violating the law and are subject to enforcement actions. 
IRS Classification of Charge-Offs and Its Impact on Credit Reporting The IRS explicitly classifies a charge-off as canceled debt, which is considered gross income for the borrower. According to IRS Publication 4681 : " A canceled debt must be reported as gross income, and the creditor is required to issue a Form 1099-C for any canceled debt over {$600.00}. '' Since a charge-off is legally classified as income, it is inaccurate and unlawful to continue reporting this account as an outstanding liability or unpaid debt on my credit report. This misclassification of a charge-off as a still-due debt constitutes false and misleading reporting, and as such, the account must be removed from my credit file immediately. 
Unlawful Double Compensation and Potential Fraud Furthermore, your institution has likely collected : Insurance payouts built into the finance charge, which protect lenders against borrower default ( per the Truth in Lending Act, 15 U.S.C. 1605 ( a ) ). 
Tax deductions from the IRS for the charged-off amount, as charge-offs are written off as losses. 
Payment from third-party debt buyers, who likely purchased the account for collection. 
If Exeter Finance LLC has received multiple forms of compensation ( insurance payout, tax benefits, and debt sale proceeds ) while continuing to report this account negatively on my credit report, this may constitute insurance fraud, tax fraud, and unfair debt collection practicesall of which will be included in my formal complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: MS

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct them.

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 2025-03-22 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: MS

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
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, CHALLENGEDORNOT.

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 2025-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The company XXXX XXXX is trying to collect a debt on behalf of the original creditor XXXX XXXX XXXX unfortunately the company listed above ( XXXX XXXX XXXX ) DOES NOT exist and has went bankrupt in XX/XX/year>. The collection agency XXXX XXXX can not collect a debt on behalf of a company that no longer exists ; the account is nonexistent with XXXX XXXX XXXX and the debt does not exist.

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 2025-03-22 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: MD

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

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