vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
I am filing a complaint against NCB Management Services , Inc. for violations of the Fair Credit Reporting Act ( FCRA ) due to conflicting and inaccurate reporting of an account that was originally held by XXXX XXXX XXXX. 

Conflicting and Inaccurate Tradelines : NCB is reporting a collection account with a balance of {$8300.00} for an auto loan originally with XXXX XXXX XXXX, while Exeters report lists a balance of {$15000.00}. There is no indication of a sale or balance adjustment. The inconsistency between the two tradelines violates FCRA 1681e ( b ) and 1681s-2 ( b ), which require accurate and consistent reporting from furnishers. There should not be two conflicting balances for the same debt. 

No Proof of Assignment or Ownership : NCB has not provided any documentation showing that XXXX XXXX XXXX assigned the debt to them. As the current owner of the debt, NCB must prove their right to report and collect on it. Failure to provide this proof violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which mandates furnishers to report accurate information and ensure they are authorized to report it. 

Failure to Respond to Dispute While Reports Were Frozen : I submitted an online dispute regarding this debt, during a period when all my consumer credit reports and related databases were frozen ( Experian, TransUnion, Equifax, and others ). Despite this, NCB updated the account, which raises questions about the validity of their investigation. Under FCRA 1681i ( a ) and 1681s-2 ( b ), a reasonable investigation is required, which could not have been conducted if my reports were frozen. If NCB bypassed or ignored the frozen reports, this may violate the FCRA for false certification of accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-18 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXXXXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Deletion under the FCRA Dear CFPB Representatives, I am writing to formally file a dispute regarding a collection account listed on my credit report, which I believe to be inaccurate and unverifiable, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

Personal Information : Name : XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Disputed Account Information : Collection Agency XXXX XXXX XXXX XXXX  Account Number:XXXX Reported Amount : {$150.00} Reporting Date : XX/XX/XXXX Reason for the Dispute : This account is not mine. 

The account listed above is inaccurate and/or unverifiable for the following reasons : This account does not belong to me. 
The debt has already been paid, settled, or resolved, but is still inaccurately listed as active. 
I have never received valid documentation or a signed contract proving this debt is mine. 
The collection agency has failed to provide proper validation as required under the FCRA. 
The original creditor has no record of this debt or transferred it without proper notification. 
Under 15 U.S.C. 1681i ( a ), I have the right to dispute any information I believe to be incorrect or not verifiable, and the credit reporting agency is required to conduct a reasonable investigation within 30 days. Likewise, the furnisher of the information XXXX XXXX XXXX is required under 15 U.S.C. 1681s-2 ( b ) to investigate and correct any inaccuracies or delete the account if it can not be properly verified.

I respectfully request that this account be completely removed from my credit file, as it fails to meet the verification requirements mandated by law.

Enclosed you will find supporting documentation : A copy of my valid identification.

Please keep me informed of the progress of this dispute. I appreciate your assistance in ensuring that my rights as a consumer are protected. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXXXXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Deletion under the FCRA Dear CFPB Representatives, I am writing to formally file a dispute regarding a collection account listed on my credit report, which I believe to be inaccurate and unverifiable, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. 

Personal Information : Name : XXXX XXXX XXXX XXXX ( last XXXX digits ) : XXXX Date of Birth : XX/XX/XXXX Disputed Account Information : Collection Agency XXXX XXXX XXXX XXXX  Account Number:XXXX Reported Amount : {$150.00} Reporting Date : XX/XX/XXXX Reason for the Dispute : This account is not mine. 

The account listed above is inaccurate and/or unverifiable for the following reasons : This account does not belong to me. 
The debt has already been paid, settled, or resolved, but is still inaccurately listed as active. 
I have never received valid documentation or a signed contract proving this debt is mine. 
The collection agency has failed to provide proper validation as required under the FCRA. 
The original creditor has no record of this debt or transferred it without proper notification. 
Under 15 U.S.C. 1681i ( a ), I have the right to dispute any information I believe to be incorrect or not verifiable, and the credit reporting agency is required to conduct a reasonable investigation within 30 days. Likewise, the furnisher of the information XXXX XXXX XXXX is required under 15 U.S.C. 1681s-2 ( b ) to investigate and correct any inaccuracies or delete the account if it can not be properly verified.

I respectfully request that this account be completely removed from my credit file, as it fails to meet the verification requirements mandated by law.

Enclosed you will find supporting documentation : A copy of my valid identification.

Please keep me informed of the progress of this dispute. I appreciate your assistance in ensuring that my rights as a consumer are protected. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-18 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:
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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this formal complaint against one or more consumer reporting agencies for inaccurate reporting of a public record on my credit file, and for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, there is a bankruptcy case being reported on my credit report with a filing date of XX/XX/year> and a docket/reference number of XXXX. Upon my investigation : I contacted the U.S. Bankruptcy Court, XXXX District of Illinois, to request verification of this case. 
The Clerk of Court responded that they do not furnish or verify bankruptcy information with consumer reporting agencies, such as Experian, Equifax, or TransUnion. 
I conducted a search through the official XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) system and found that the docket number in question is linked to a person with a similar name but a different Social Security number, and the case details do not match mine. 
Despite disputing this record directly with the credit bureaus and presenting this evidence, the item remains on my credit file. This is a violation of my rights under : 15 U.S.C. 1681i the right to a reasonable reinvestigation of disputed information. 
15 U.S.C. 1681e ( b ) the duty to maintain maximum possible accuracy. 
15 U.S.C. 1681g the right to know the source of information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-18 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-04-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to file a formal dispute against XXXX XXXX for inaccurate and inconsistent reporting on my credit file across the three major credit bureausEquifax, TransUnion, and Experian. 

The account in question is showing significant discrepancies in payment status : Experian reports the account as XXXX  days delinquent as of XXXX and XX/XX/year>. 
TransUnion shows the account as XXXX  days past due in XX/XX/year>. 
Equifax also reports the account as XXXX  days past due in XXXX and XX/XX/year>. 

These inconsistent and outdated entries reflect conflicting levels of delinquency and violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy. 

I have previously disputed this information with the bureaus, yet it continues to be reported inaccurately without verification. This ongoing issue has negatively impacted my credit score and financial reputation. 

I respectfully request that the CFPB investigate this matter and direct XXXX XXXX and the credit bureaus to : 1. Conduct a full reinvestigation of this account ; 2. Provide documentation supporting the reported delinquencies ; 3. Remove or correct any unverifiable or inaccurate information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-18 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
XX/XX/XXXX placed an online order for {$36.00}. Received a XXXX billing for {$60.00}. Sent email to company ( in XXXX ) that i only placed XXXX order for XXXX per their ; they responded that i purchased 2 orders and already sent. I sent an e-mail to PayPal advising of issue- received response that i had to call PayPal . 
XX/XX/XXXX call to Pay Pal- spoke with very helpful person ( XXXX ) - She activated the buyer protection ( refund ) and would cancel both orders. 
XX/XX/XXXX spoke with XXXX XXXX PayPal ) - stated orders canceled and i would be refunded- they would contact me in 7-10 days.

XXXX call XXXX PayPal- per XXXX still in process ; NOTE- when you call in it takes a while before someone answers. 
XX/XX/XXXX call to PayPal- XXXX XXXX evaluate and call me XXXX call to PayPal- XXXX XXXX will reopen cases as reimbursement of XXXX cents and XXXX cents to me was inappropriate XX/XX/XXXX call to PayPal- XXXX unable to help asked to be transfered to management- on hold for 30 mins with no further communication I hung up. 
XXXX I want re-imbursement of the {$60.00} as indicated by the buyer protection plan and a response from Paypal mgt on how they are going to resolve this poor management.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 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: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

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 2025-04-18 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: OH

Complaint narrative:
Subject : Formal Complaint Against TransUnion, Equifax, Experian, and XXXX XXXX XXXX for Sham Investigations and Violation of 15 U.S.C. 1681c To Whom It May Concern, I am submitting this formal complaint against the following consumer reporting agencies : TransUnion, Equifax, Experian, and XXXX XXXX XXXX. 

I am fully aware of the recent lawsuits and legal actions involving these agencies regarding sham investigations into consumer disputes. It is apparent that these agencies have routinely failed to conduct legitimate, reasonable, and good-faith investigations into disputed credit entries, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I hereby invoke my full rights under 15 U.S.C. 1681c, which governs the reporting limitations on obsolete information, as well as the accuracy and reinvestigation duties under 15 U.S.C. 1681i.

I formally demand the removal of any and all negative items on my credit reports with TransUnion, Equifax, Experian, and XXXX XXXX XXXX unless full and complete documentation of a legally compliant investigation can be produced for each disputed item. This includes detailed evidence of : The method and date of the investigation The original furnisher of the information Verification steps taken The final result of the investigation Failure to provide this documentation within a reasonable period will constitute non-compliance with federal law, and I will have no choice but to pursue legal action against all responsible parties. This includes filing lawsuits under FCRA, 15 U.S.C. 1681n and 1681o, seeking damages for willful and negligent noncompliance. 

This is your official notice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: OH

Complaint narrative:
Subject : Formal Complaint Against TransUnion, Equifax, Experian, and XXXX XXXX XXXX for Sham Investigations and Violation of 15 U.S.C. 1681c To Whom It May Concern, I am submitting this formal complaint against the following consumer reporting agencies : TransUnion, Equifax, Experian, and XXXX XXXX XXXX. 

I am fully aware of the recent lawsuits and legal actions involving these agencies regarding sham investigations into consumer disputes. It is apparent that these agencies have routinely failed to conduct legitimate, reasonable, and good-faith investigations into disputed credit entries, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

As a consumer, I hereby invoke my full rights under 15 U.S.C. 1681c, which governs the reporting limitations on obsolete information, as well as the accuracy and reinvestigation duties under 15 U.S.C. 1681i.

I formally demand the removal of any and all negative items on my credit reports with TransUnion, Equifax, Experian, and XXXX XXXX XXXX unless full and complete documentation of a legally compliant investigation can be produced for each disputed item. This includes detailed evidence of : The method and date of the investigation The original furnisher of the information Verification steps taken The final result of the investigation Failure to provide this documentation within a reasonable period will constitute non-compliance with federal law, and I will have no choice but to pursue legal action against all responsible parties. This includes filing lawsuits under FCRA, 15 U.S.C. 1681n and 1681o, seeking damages for willful and negligent noncompliance. 

This is your official notice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation