vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am submitting this complaint to follow up on multiple unresolved charge-off accounts that TransUnion continues to report inaccurately on my credit report. The items in dispute include XXXX  XXXX XXXX ( reported on XX/XX/XXXX for {$34000.00} ), XXXX ( reported on XX/XX/XXXX for {$8300.00} ), XXXX XXXX  ( reported on XX/XX/XXXX for {$22000.00} ), and XXXX XXXX XXXX ( reported on XX/XX/XXXX for {$6100.00} ). These accounts are significantly outdated, and the creditors have failed to provide original documentation validating the debts. Despite numerous disputes, TransUnion continues to verify these charge-offs using only internal or third-party ACDV responses, which do not constitute proper reinvestigation under the Fair Credit Reporting Act. It is both irresponsible and unlawful for TransUnion to allow such derogatory information to remain on my report when these entries have not been verified using signed contracts, itemized statements, or original creditor documentation. 

These charge-offs have placed an unnecessary and disproportionate burden on my ability to secure financial opportunities. It is very likely that these outdated and unverified accounts are being reported due to negligent data furnishing or as a result of prior data breaches that compromised the integrity of my consumer file. Under 15 U.S.C. 1681e ( b ), TransUnion is legally obligated to maintain the maximum possible accuracy in consumer reports, and under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), they are required to conduct thorough reinvestigations when any item is disputed. TransUnion has violated both of these provisions. If the original creditors can not provide physical evidence of these debts, the law requires these items be removed under 15 U.S.C. 1681 ( a ) ( 5 ). The continued presence of unverifiable and derogatory items is not only damaging but in direct violation of my consumer rights.

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 2025-05-19 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: AL

Complaint narrative:
I have been having issues with my credit reports for some time now, i have filed an ID Theft with both local PD and FTC, however it appears that no companies have taken this seriously. I have been trying to get in touch with a live representative for some time now and they will not allow me through the automated system. In addition to the accounts listed on the report attached, i found out my XXXX wife opened credit cards without my permission and handled them prior to our divorce. Charges have been filed yet nothing appears to be getting done on the creditors and credit reporting agencies end.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the credit reporting act the list of accounts below have violated my rights.

15 u.s.c. section 502a state I have the right to privacy. 
delete the account below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been a loyal customer with American Express for XXXX  years and have accumulated reward points of XXXX which is worth more than $ XXXX through multiple credit cards with them. I have never missed a single payment and only make a few XXXX dollars purchases across all cards with them annually. The closed all my accounts and forfeited all the rewards points. I dont mind they closed my accounts if its their business decision but I only want my rewards points back which they refused. I accumulated these points through XXXX  years spending and paid XXXX  of dollars annual fee to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There was money in my account, including my personal funds. They decided the lock my funds and refuse my withdrawal. They froze my account and limited my abilities to access into my account. They wanted to hold my money, and won't release it to me, even though the money is mine and is in my account as well as my savings. These actions are unjustified. I need my funds to be released to me. 

The funds I received were legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX AND XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
RE : Demand for Deletion of Inaccurate Charged-Off Account Not for Reinvestigation To Whom It May Concern, This letter is a formal demand for the permanent deletion of an inaccurate charged-off account being reported on my credit file. This account, reported by XXXX XXXX, is listed on my credit report under account number XXXX. This communication is NOT a request for reinvestigation, but a demand for removal based on the rights provided to me under federal law. This account was written as a charged off account but I never received any of the 1099 cancellation of debt forms, and because of that this account is inaccurate. 

Under the Fair Credit Reporting Act ( FCRA ), particularly Section 602 ( a ), credit reporting agencies are required to ensure all information furnished in a consumer report is accurate and verifiable. The continued reporting of inaccurate, outdated, or unverifiable information is a violation of federal law. 

I am asserting my rights under : FCRA Section 1681e ( b ) : Mandates maximum possible accuracy in credit reporting. 

FCRA Section 1681i ( a ) ( 5 ) ( A ) : States unverifiable information must be promptly deleted.

FCRA Section 602 ( a ) : Affirms that inaccurate reporting is detrimental to consumers and constitutes an unfair practice.

Because the account in question contains errors and/or can not be 100 % verified with original documentation that meets legal and procedural requirements, it should not be reinvestigatedit must be permanently deleted from all of my credit files. 

You are hereby placed on notice that continued reporting of this account without full validation may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for violations of the FCRA.

Please confirm in writing that this account has been permanently deleted from my credit file. I expect a response within 30 calendar days, as required by law. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC customer care, XXXX XXXX refused to refund me my fees from last month that was I promised from another rep! This company is just full of liars! Stop sending me people that don't want to help and get this sorted out! I'm going to file another XXXX complaint too!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
Im filing this complaint because TEK Collect XXXX has reported a collection account on my credit report that is inaccurate and not valid. 

According to my credit report, this account was opened on XX/XX/2023, and the current balance is listed as {$750.00}. Its marked as Placed for collection, and the original creditor is also listed as TEK Collect XXXX, which doesnt make any sense to me. 

Heres why Im disputing this account : I was never notified about this debt. 
Ive never received any communication from TEK Collect XXXX about this debt. I was never given a chance to validate or dispute it before it showed up on my credit report. I thought debt collectors were required to send something in writing before reporting to the credit bureaus. 

I dont even recognize this debt. 
I have no idea what this is for. The credit report doesnt list where the debt came from or what its related to. It just says TEK Collect is both the original creditor and the collector, which makes it even more confusing. If they bought this debt from someone else, they should list who the original creditor actually was. 

It looks like theyre trying to re-age the account. 
The account shows as opened in XX/XX/2023, but I dont have any debts from that time. Ive read that some collection agencies do this to make the debt stay on your credit longer, and if thats whats happening here, its not okay. 

There are reporting errors. 
The remarks section on the report shows Placed for collection twice, which seems like a mistake. The account type is also blank, which doesnt help clarify anything. 

This account is negatively affecting my XXXX XXXX, and I havent even had the opportunity to understand what its about. I feel like this reporting is unfair and illegal under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

What Im Asking For : I want TEK Collect to provide full validation of this debt including where it came from, who the original creditor was, when it was incurred, and how they got ownership of it. 

If they cant do that, I want the account deleted completely from all my credit reports. 

While this is being reviewed, I want it marked as disputed by consumer on all XXXX credit bureaus. 

Id also like the CFPB to review TEK Collects collection and reporting practices. If theyre not following the rules, I dont think they should be allowed to report these kinds of accounts at all. 

Thank you for looking into this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
I have found unauthorized and fraudulent accounts listed on my Equifax credit report, which I did not open or approve. These are a result of identity theft : XXXXXXXX XXXX XXXX {$540.00} Opened XX/XX/XXXX XXXX XXXX XXXX Fraudulent account XXXX XXXX separate entries Both fraudulent Upstart Network Balance {$17000.00} Opened XX/XX/XXXX These entries are inaccurate and do not belong to me. I have no relationship with these creditors. I have taken appropriate action by filing a police report and formally disputing the accounts with Equifax but have not yet seen a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CapitalCredit LLC
State: NC

Complaint narrative:
I had a vehicle loan with XXXX XXXX XXXX. On XX/XX/year>, they recorded a final payoff of {$8900.00} and closed the account. Shortly afterward, my account was transferred to Capital Credit LLC, who is now charging me a starting balance of {$14000.00}, without applying the payoff from XXXX. Capital Credit is also unsure about why the payoff was that high and instructed me to contact XXXX  for clarification. 

I believe I may be paying more than I owe, and no one has provided a clear record of how this balance was determined. I am requesting a full investigation into the handling of this loan transfer, and that both companies provide documentation to support the current balance. 

Companies Involved : XXXX XXXX XXXX ( Original Lender ) Capital Credit LLC ( Current Servicer ) Resolution Sought : 1. Accurate loan balance calculation 2. Full payment history 3. Refund or adjustment if overcharged 4. Hold on collections while dispute is active

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
On XXXX XXXX of XXXX  XXXX, I had an unfortunate experience where I allowed access to my bank and financial accounts. This included my emails and passwords. I was also scammed out of {$2000.00}. About XXXX XXXX ago, I received a warning from my credit card company that there may be fraud on my account. I told them there definitely was and they told me they would take care of it. They sent me a new card. 
About a month  later, I received a letter telling me that I was responsible for the charges and that they had proof it was me. I asked them what the proof was, and they told me my email was used so I was responsible. I then explained my hacking situation so we opened an additional dispute. These charges are over {$1000.00} for show tickets in XXXX. I live XXXX XXXX  away in XXXX  and have not been traveling at all. I have excellent credit and they have told me they will take me to collections if I do not pay this. I should absolutely not be held responsible for purchases I did not make. As I said, they notified me because it seemed suspicious.

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 2025-05-19 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: GA

Complaint narrative:
Company responded and said these accounts are not reporting which is not true. XXXX is still reporting on my Equifax credit report and was never removed. The company has lied to me several times about removing the fraud accounts. This is hurting my credit profile and in violation with FCRA Status Company responded on XX/XX/year> Response Type Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX there is no XXXX XXXX involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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 am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX  XXXX breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Transunion credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-19 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: TX

Complaint narrative:
I discovered this morning that some incorrect accounts had appeared on my credit report without any clear reason. As part of my usual routine, I reviewed my credit report, but this time, there were some errors that werent there before. I thought it might be a browser issue and refreshed the page, but the incorrect items were still there. Thats why Im requesting a careful review of the documents Ive submitted, so I dont have to keep worrying about this.

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