vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX XXXX ] - Credit Reporting Agencies : [ XXXX XXXX, TransUnion ] - Date Paid in Full : [ CLOSED OR PAID ACCOUNT/ZERO BALANCE- ] -Date Closed : [ XX/XX/year> ] This account was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal law.\n 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

- 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within 30 days.

- 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate or incomplete information.

- 1681c ( a ) ( 4 ) Prohibits reporting accounts older than 7 years from the date of first delinquency.

- 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. 
I am demanding that this account be : XXXX. Removed or corrected on all credit bureaus where it is inaccurately listed.XXXX. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or assignment.XXXX. Cease and desist from any further reporting if validation can not be provided under FDCPA 15 U.S.C. 1692g ( b ).

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 2025-05-04 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: NY

Complaint narrative:
I am filing this formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding an account that has been paid in full and closed, yet it continues to appear on my credit report with inaccurate and misleading information.\n Account Details : - Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX ] - Account Number : [ XXXX XXXX ] - Credit Reporting Agencies : [ Equifax, XXXX XXXX ] - Date Paid in Full : [ CLOSED OR PAID ACCOUNT/ZERO BALANCE- ] -Date Closed : [ XX/XX/year> ] This account was settled and closed, and as such, reporting it as unpaid, active, or derogatory is a direct violation of my consumer rights under federal law.\n 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

- 1681i ( a ) Requires credit reporting agencies to investigate any disputed information within 30 days.

- 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report inaccurate or incomplete information.

- 1681c ( a ) ( 4 ) Prohibits reporting accounts older than 7 years from the date of first delinquency.

- 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) - Debt collectors must cease collection and verify a debt when requested in writing. If no proper validation or proof of ownership is provided, they may not continue to report such debt. 
I am demanding that this account be : XXXX. Removed or corrected on all credit bureaus where it is inaccurately listed.\n2. Properly validated if the furnisher or collector insists it is accurate. Validation must include a signed agreement, a full payment ledger, and chain of custody or assignment.XXXX. Cease and desist from any further reporting if validation can not be provided under FDCPA 15 U.S.C. 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
Subject : Formal Dispute of Inconsistent Reporting by XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute several inconsistencies and inaccuracies reported by XXXX XXXX XXXX on my credit file. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I noticed significant discrepancies in how this account is being reported across the three bureaus, which may be adversely affecting my creditworthiness.

The specific inconsistencies include : 1. Different Account Balances Each bureau is reporting a different outstanding balance for the same account, which is inaccurate and misleading.

2. Conflicting Open and Close Dates The reported account opening and closing dates vary across the bureaus, which raises concerns about the integrity of the data.

3. Inconsistent Payment History The month-by-month payment records are not aligned among the three reports. In some cases, late payments are shown on one bureau and marked current on another.

4. Different Last Payment Dates The date of last payment is not consistent, which could impact my credit scoring unfairly.

5. Inconsistent Reports of Delinquencies The number and frequency of late payments differ, suggesting erroneous reporting.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all data furnished to credit bureaus must be accurate, complete, and verifiable. As such, I am requesting a thorough investigation and correction of this accounts information to ensure that it is accurately and uniformly reported across all three credit reporting agencies. I will attach a copy of my Driver 's license for identity purposes Please verify the following : Correct account balance Accurate account open and close dates Verifiable last payment date Consistent and accurate payment history Accurate count and dates of late payments ( if any ) Requested Action : Please investigate this matter with the data furnisher and remove any inaccurate information from my credit report within the 30-day period allowed by law. I request written confirmation of the outcome of this investigation. 



Thank you for your prompt attention to this serious matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
Subject : Formal Dispute of Inconsistent Reporting by XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute several inconsistencies and inaccuracies reported by XXXX XXXX XXXX on my credit file. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I noticed significant discrepancies in how this account is being reported across the three bureaus, which may be adversely affecting my creditworthiness.

The specific inconsistencies include : 1. Different Account Balances Each bureau is reporting a different outstanding balance for the same account, which is inaccurate and misleading.

2. Conflicting Open and Close Dates The reported account opening and closing dates vary across the bureaus, which raises concerns about the integrity of the data.

3. Inconsistent Payment History The month-by-month payment records are not aligned among the three reports. In some cases, late payments are shown on one bureau and marked current on another.

4. Different Last Payment Dates The date of last payment is not consistent, which could impact my credit scoring unfairly.

5. Inconsistent Reports of Delinquencies The number and frequency of late payments differ, suggesting erroneous reporting.

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), which mandates that all data furnished to credit bureaus must be accurate, complete, and verifiable. As such, I am requesting a thorough investigation and correction of this accounts information to ensure that it is accurately and uniformly reported across all three credit reporting agencies. I will attach a copy of my Driver 's license for identity purposes Please verify the following : Correct account balance Accurate account open and close dates Verifiable last payment date Consistent and accurate payment history Accurate count and dates of late payments ( if any ) Requested Action : Please investigate this matter with the data furnisher and remove any inaccurate information from my credit report within the 30-day period allowed by law. I request written confirmation of the outcome of this investigation. 



Thank you for your prompt attention to this serious matter. 



Sincerely, 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 2025-05-04 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: IL

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Equifax I am writing to formally dispute unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries, nor did I initiate any application for credit or services that would justify such actions. Upon reviewing my credit report, I identified the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : [ XX/XX/XXXX ] XXXX. XXXX XXXX [ XX/XX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my explicit authorization may conduct a hard inquiry on my credit report. Since I did not authorize these inquiries, they constitute a violation of my rights under the FCRA. Requested Action : I am requesting that these unauthorized inquiries be investigated and permanently removed from my credit report. Please provide written confirmation once the deletions have been completed. I am also requesting the name and contact information of any entity that verified or accessed my credit file without my permission. Enclosed are copies of my government-issued ID and a recent piece of mail to confirm my identity, as required. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I don't agree with these and many other hard inquiries listed below, which still appear on my credit report, even after your investigation. I want these hard inquiries immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of the individuals with whom you verified the below, so that I may follow up as I am sure I did not authorize these inquiries.

Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-05-04 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: MN

Complaint narrative:
I don't agree with these and many other hard inquiries listed below, which still appear on my credit report, even after your investigation. I want these hard inquiries immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of the individuals with whom you verified the below, so that I may follow up as I am sure I did not authorize these inquiries.

Please forward me an updated credit report after you have completed your investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland Credit Management has called me at least 4 times every day for the past six months. They claim to own XXXX of my charged off debts, one for XXXX and one for XXXX. They refuse to show proof of ownership of the debt. XXXX XXXX has done the same thing, the abusive phone calls and email messages. They claim they own XXXX debts of my charged off debts. I had previous dealings where they tried to sue me and when I fought them they dropped the suit. They can not and will not provide accurate and standard proof they own any of my charged off debts. XXXX of the supposed debts they supposedly own is for XXXX and the other is XXXX. Both agencies report missed payments every month on these supposedly contracted debts. I have ZERO contracts with either of these companies. I am XXXX and on only Social Security income.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by State Employees Credit Union Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against State Employees Credit Union ( SECU ) for what I believe to be erroneous and potentially illegal reporting practices related to my credit file. I seek your assistance in resolving this issue, as my own efforts with SECU have not been successful. The issue centers on a vehicle that was repossessed some time ago, and for sure no payment, meaning no activity. Despite the significant lapse in time, SECU has continued to update my credit report monthly. These updates suggest new activity on this account, even though there has been no actual activity or payment since the vehicle & # 39 ; s repossession. The continued updates are incorrect and misrepresent the true status of the account, which I believe violates the Fair Credit Reporting Acts stipulations regarding the accuracy and currency of reported debts. Recently as of XX/XX/year>, I was informed by credit monitoring service that a delinquent account has been reported or update don my credit file. After investigation, it was determined that State Employees Credit Union was the creditor that had placed the update. As I investigated further, apparently this has not been the first time! I spoke to them in person, I was told by a representative that as long as the charge-off carried a balance, they would update my credit report. My understanding, since I have not made a payment or created any additional activity, that from the date of the last payment should be the date reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I am filing this complaint under my rights as defined in the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding inaccurate or unverifiable information appearing on my credit report. The items in question include : Student Loan Account : DEPT OF ED/AIDVANTAGE These accounts are either inaccurate, do not belong to me, or can not be verified in compliance with federal law. I have attempted to dispute these with the relevant credit bureaus and/or furnishers, but have not received a satisfactory or timely resolution.

Under 15 U.S.C. 1681i, information that can not be verified must be deleted from my report. I am requesting that these accounts be investigated and removed from all credit reporting agencies.

I respectfully ask that this issue be resolved within 14 days as the ongoing inaccurate reporting is causing harm to my creditworthiness.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was alerted via a 3rd party credit monitoring company of a potential error on my credit report. It shows that TransUnion has reported a fraudulent credit card that had been previously removed still being reported after my previous complaint a few weeks ago, now showing the account was reopened. This supports more of my statements regarding the mishandling and fraud TransUnion conspires. Its been more than 30 days since I mailed my certified letter to dispute several fraudulent accounts and no response or update from TransUnion. At this point TransUnion just refuses to investigate and errors or fraudulent accounts on my credit file which is in 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 explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX XXXX XXXXXXXX  XXXX was stolen at XXXX XXXX  XXXX.After the theft of my phone, the people who stole my phone were able to hack into my phone and changed the password and PIN number. They accessed my navy federal account and conducted a XXXX with confirmation number : XXXX for {$600.00} to a XXXX XXXX ( XXXX ) XXXX. Navy Federal allowed the people who stole my phone access to my navy federal account where they transferred funds from one checking account to another and added a new XXXX contact. They then allowed them to complete the XXXX transfer. The people who stole my phone also enabled XXXX XXXX which was previously XXXX and conducted an apple cash of {$2500.00} to XXXX XXXX XXXX Id : XXXX. There was also a XXXX  conducted by the person who stole my phone. The people tried to do additional transactions which navy federal then blocked due to suspected fraud. None of these transactions were conducted by me and I didnt authorize them. 
My phone was stolen and I was unable to block the apple account immediately because it was stolen and they changed all the information. They were all deducted from the same navy federal debit card and checking account. I contacted navy federal immediately on XX/XX/XXXX and let them know that my phone was stolen and these were unauthorized transactions. They submitted the fraud claims and then on Monday XX/XX/XXXX they sent me a notification saying after their investigation these were not fraud. My phone was stolen and navy federal, XXXX, and XXXX XXXX green dot allowed these fraudsters to get into my accounts and steal over {$3000.00}. This is not protecting the consumer if this type of threat/fraud is allowed. XXXX XXXX, XXXX, XXXX Cash/Green dot should debit the funds from the fraudsters and return my money. I tried to do claims directly with XXXX on XX/XX/XXXX and they said since it was through XXXX I had to do the claim with them. I was able to open a new claim up on XX/XX/XXXX with XXXX XXXX directly : Case # XXXX. I also filed a police report with XXXX XXXX XXXX police where the crime happened : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation