vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$7200.00} Charged off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Charged off XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1900.00} Collection Inquiries in Dispute : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has documented XXXX repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

XXXX  XXXX - XXXX - {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am disputing multiple inaccuracies on my Experian, TransUnion and Equifax credit reports for the account below : XXXX ( experian account number : XXXX ) XXXX ( equifax account number : XXXX XXXX ) These issues violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. 

Incorrect Date of First Delinquency : The report lists XX/XX/XXXX as first delinquency, but there are late payments from XX/XX/XXXX through XX/XX/XXXX, making this date incorrect. 

Inaccurate Late Payments : Equifax reports two 120-day late payments for XX/XX/XXXX and XX/XX/XXXX, which is not accurate. Experian reports two 90 day payments for XX/XX/XXXX and XX/XX/XXXX which is inaccurate. Also the dates being reported as late differ on the experian, equifax and transunion reports.

" Purchased by Another L

ender '' Omission : The report states " purchased by another lender '' but does not provide any details about the new lender, leaving the account unclear.

These repeated errors violate the FCRA, specifically : Section 1681e ( b ) : Requires accurate and complete information.

Section 1681i : Mandates that credit bureaus investigate disputes and correct errors.

Section 1681s-2 : Requires furnishers to provide accurate information. 
This is my third dispute of these errors, and I request the account be updated as paid on time or deletion of the account. I have attached supporting documentation, including screenshots from my credit reports. You failed to investigate this account properly and your neglect has violated my rights. 

Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am disputing multiple inaccuracies on my Experian, TransUnion and Equifax credit reports for the account below : XXXX ( experian account number : XXXX ) XXXX ( equifax account number : XXXX XXXX ) These issues violate the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. 

Incorrect Date of First Delinquency : The report lists XX/XX/XXXX as first delinquency, but there are late payments from XX/XX/XXXX through XX/XX/XXXX, making this date incorrect. 

Inaccurate Late Payments : Equifax reports two 120-day late payments for XX/XX/XXXX and XX/XX/XXXX, which is not accurate. Experian reports two 90 day payments for XX/XX/XXXX and XX/XX/XXXX which is inaccurate. Also the dates being reported as late differ on the experian, equifax and transunion reports.

" Purchased by Another L

ender '' Omission : The report states " purchased by another lender '' but does not provide any details about the new lender, leaving the account unclear.

These repeated errors violate the FCRA, specifically : Section 1681e ( b ) : Requires accurate and complete information.

Section 1681i : Mandates that credit bureaus investigate disputes and correct errors.

Section 1681s-2 : Requires furnishers to provide accurate information. 
This is my third dispute of these errors, and I request the account be updated as paid on time or deletion of the account. I have attached supporting documentation, including screenshots from my credit reports. You failed to investigate this account properly and your neglect has violated my rights. 

Thank you for your attention.

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 2025-03-11 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: NY

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for : Failure to properly validate the debt under 15 U.S.C. 1692g ( b ) of the FDCPA.

Continued credit reporting of an unverifiable debt in violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA. 

Complaint Details : Debt Buyer : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Account Balance : {$1100.00} Account number : XXXX Credit Report Status : Still reporting a balance despite failure to validate. 
Violation : Failure to provide proper debt validation within the legal timeframe under the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for : Failure to properly validate the debt under 15 U.S.C. 1692g ( b ) of the FDCPA.

Continued credit reporting of an unverifiable debt in violation of 15 U.S.C. 1681s-2 ( b ) of the FCRA. 

Complaint Details : Debt Buyer : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Account Balance : {$1100.00} Account number : XXXX Credit Report Status : Still reporting a balance despite failure to validate. 
Violation : Failure to provide proper debt validation within the legal timeframe under the FDCPA.

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 2025-03-11 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CADENCE BANK
State: CT

Complaint narrative:
Cadence Bank checking account with around {$500.00} balance began being charged for inactivity for five years and no emails, mailed notices, or phone calls/text messages were ever sent to me until the balance was finally drained below {$0.00} with an overdraft fee charged for added insult, which finally resulted in a mailed notice sent to me about the overdraft charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: NV

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I first contacted Credit Karma via chat on XX/XX/year> to request the closure of my spend account and the cancellation of my debit card. The representative informed me that a different department handles account closures and that my chat would be transferred. Instead, the chat was ended, and I received an email stating that my request would be forwarded. I called the next day and was told the same thing by another representative. Since XX/XX/year>, I have emailed multiple times requesting to close my account. Credit Karma is in breach of their fiduciary duties by refusing to close my account as requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-11 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: NV

Complaint narrative:
I have been noticing that my credit report does not have my correct personal information and this is causing these unknown and inaccurate accounts to appear on my credit. There are accounts on my credit report that do not belong to me, likely due to mixed or misreported information. These inaccuracies and mixed information are damaging my credit standing and raising serious concerns, especially given my ongoing issues with fraud and identity theft. This situation is not only frustrating but also a violation of my rights as a consumer, affecting my financial stability.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-11 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
A charge appeared on my Bank of America Credit card statement on XX/XX/2025 for {$1600.00} from a business called XXXX XXXX in XXXX, Utah. I did not make this purchase, so I reported the fraudulent purchase on Bank of America website. My claim was denied on XX/XX/2025. I called and was unable to find out how to appeal the denial, and was unable to reach a human. 

The purchase occurred through a third party online payment portal called XXXX. I called sqaure and went online. The website indicates disputes go through the issuer of your credit card. I downloaded a copy of the invoice from XXXX indicating the same amount, date, and seller as my Bank of America credit card statement. 

I called XXXX XXXX and talked to the owner. He said that they do not sell online, do not accept credit cards, do not use XXXX, and only sell to businesses rather than private individuals like me. He looked for invoices and there were none on that day.

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 monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
letter is not a refusal to pay but a formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide : Proof that this debt is mine and legally enforceable. 
The original signed agreement or contract linking me to this account. 
Documentation showing the full history of the debt, including the original creditor. 
Any judgments, insurance claims, or assignments of the debt. 

Until you provide this information, you must cease all collection efforts and remove any negative reporting from my credit file. If you can not validate this debt within 30 days, I request that it be permanently removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX CXXXXe XXXX ) 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 XXXX XXXX XXXX XXXX ( 2 ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXXn, 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 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
My new credit card was stolen by the person seen in a video from my front porch after XXXX left it there. Then, it was used to make purchases at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX approximately between XXXX XXXX XXXX ; three transactions were made : one for {$130.00}, another one for {$73.00}, and a last one for {$100.00}. Another transaction was attempted at a XXXX XXXX XXXX XXXX for {$22.00}, but that is when I got the bank 's notification, and I knew the card was stolen. I called my bank but denied me the credit because they think it was me, and want me to file a police report for further investigation. They say they can't access the XXXX XXXX location cameras without a police report to verify it wasn't me the one doing the purchases. I have a video however US Bank says they don't have a way of getting that video which I don't believe. Also, they only allowed me to upload screenshots, which I did, but the representative told me they received those in black and white ; it is hard to believe also.

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 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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