vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-04-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Subject : XXXX Dispute for Fraudulent Accounts and Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report, which have been incorrectly reported as part of my credit history. These accounts do not belong to me, and I request their immediate removal from my credit file. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information, and I demand that you thoroughly investigate and remove these fraudulent entries from my report. 
Please note the following accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$4800.00} Additionally, I am disputing the following inquiry : XXXX  XXXX XXXX  Inquiry These accounts and the inquiry listed above are fraudulent, and I have not opened any of these accounts or authorized the credit inquiries associated with them. Please conduct a thorough investigation into the validity of these accounts and remove them from my credit report immediately. 
I request that you provide me with a detailed report once the investigation is complete, including the results of your findings and any supporting documentation you gathered. In accordance with the FCRA, I expect you to complete this investigation within 30 days and provide me with written confirmation of the removal of these fraudulent accounts. 
If these accounts and inquiries are not removed or if I do not receive a satisfactory response, I will consider taking further action, including contacting the Federal Trade Commission ( FTC ) and filing complaints with the Consumer Financial Protection Bureau ( CFPB ). 
Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-04-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Subject : XXXX Dispute for Fraudulent Accounts and Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report, which have been incorrectly reported as part of my credit history. These accounts do not belong to me, and I request their immediate removal from my credit file. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information, and I demand that you thoroughly investigate and remove these fraudulent entries from my report. 
Please note the following accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$4800.00} Additionally, I am disputing the following inquiry : XXXX  XXXX XXXX  Inquiry These accounts and the inquiry listed above are fraudulent, and I have not opened any of these accounts or authorized the credit inquiries associated with them. Please conduct a thorough investigation into the validity of these accounts and remove them from my credit report immediately. 
I request that you provide me with a detailed report once the investigation is complete, including the results of your findings and any supporting documentation you gathered. In accordance with the FCRA, I expect you to complete this investigation within 30 days and provide me with written confirmation of the removal of these fraudulent accounts. 
If these accounts and inquiries are not removed or if I do not receive a satisfactory response, I will consider taking further action, including contacting the Federal Trade Commission ( FTC ) and filing complaints with the Consumer Financial Protection Bureau ( CFPB ). 
Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
On XX/XX/year>, an indirect dispute was filed through the XXXX XXXX with the credit bureaus ( XXXX, XXXX, and XXXX ) regarding the Wakefield & Associates collection account of {$1000.00}. The dispute was initiated as part of a review of the debts validity, which I believe may be inaccurately reported. 

As of today, I have not received a satisfactory response or adequate documentation from Wakefield & Associates to verify the legitimacy of the debt. Under the Fair Credit Reporting Act ( FCRA ), I am requesting proof of verification of this debt and detailed information on how it was validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 2025-04-03 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 explanation
Consumer complaint received 2025-04-03 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX {$5200.00} Date Opened : XX/XX/year>

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to formally lodge a complaint regarding a violation of my consumer rights as stipulated under the Fair Credit Reporting Act ( FCRA ), specifically citing 15 USC 1681b ( 2 ), 15 USC 1681c-2, and 15 USC 1681i-2a .

I have recently discovered that several account profiles, which have been deemed unverifiable, were reinstated to my credit report without my consent or prior notification. This is a direct violation of my rights under the aforementioned sections of the FCRA, which outline your obligations regarding the verification of information and proper notice to the consumer.

As per 15 USC 1681b ( 2 ), 15 USC 1681c-2, and 15 USC 1681i-2a , I am entitled to be notified within five ( 5 ) business days when such accounts are added or reinstated to my credit report. Your failure to contact me within this time frame constitutes a breach of my rights under the law. 
Specifically, the accounts in question appear to have been added back to my credit file despite being previously marked as unverifiable or disputed. This reinstatement of unverifiable accounts has had a significant negative impact on my credit profile, which in turn affects my ability to access fair credit terms and other financial opportunities.

Request for Immediate Action : 1. Investigation and Resolution : I request that you immediately investigate the reinstatement of unverifiable accounts on my credit report and remove any accounts that can not be properly verified or substantiated. 
2. Notification : Please provide written documentation of your findings regarding the reinstatement of these accounts and evidence of compliance with the FCRA requirements, including the proper notices or investigations conducted.

3. Correction of My Credit Report : I request that you correct my credit report to reflect only accurate, verifiable, and substantiated information as required by law.

Please respond to this complaint within 30 days of receiving this letter, as stipulated by the FCRA. I expect that any improper or unverifiable accounts will be promptly removed, and I will be notified of the resolution.

Failure to comply with my rights under the FCRA will leave me no choice but to escalate the matter to the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ), as well as pursue any other available legal remedies. 
Thank you for your prompt attention to this matter. I look forward to your swift resolution.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I purchased a XXXX  through 5 split payments over the internet. Once I paid for the XXXX, they would send the XXXX  to an XXXX  and i can pick it up there if i provide paperwork/ information ( background check, proof of residency, etc ) but I wasn't able to get it because there was information/papers that I needed to get that I wasn't able to provide because I just didn't have it. The XXXX  was sent back to the company because I couldn't provide what was needed and the terms and conditions said that I couldn't get a refund because it was done through 5 split payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was victim of a Scam or fraud and to block my account, and they don't unblock it and I need funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: PA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX  and/or XXXX XXXX regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 data standards, and IRS Publication 6050P related to the misreporting of a closed and charged-off credit card account.

This account is listed under three separate names on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following violations have occurred : Duplicate reporting of a single account under different names with identical balances and credit limits inflating my debt and artificially damaging my credit score.

Reporting 100 % utilization on a CLOSED account, which violates Metro 2 and results in misleading scoring impacts.

Incorrect charge-off handling : {$76.00} was written off, yet {$390.00} remains reported as due. Under IRS Pub. 6050P, a charge-off with partial cancellation requires the remaining balance to be corrected or a 1099-C issued neither has occurred.

Inconsistent and missing payment histories across tradelines, including conflicting charge-off dates and unreported historical data.

Failure to properly investigate these discrepancies, even after prior disputes were filed with the credit reporting agencies.

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