vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Subject : Demand for Strict Debt Validation and Proof of Assignment To Whom It May Concern, This is a formal request for full debt validation and legal documentation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Please note : I do not acknowledge or accept any responsibility for the alleged debt referenced in your communications and credit reporting. I am exercising my legal rights to request strict proof of your authority to collect and report this account.

You are required to provide the following : 1. A complete chain of assignment from the original creditor to your agency, including the original assignment or purchase agreement.

2. A copy of the original signed contract or agreement that specifically links me to the alleged obligation. 
3. A detailed breakdown of the full amount claimed, including itemized charges, interest, fees, and any payments.

4. Proof that you are licensed and authorized to collect debt in my state, including your license number and issuing agency.

5. The exact name and address of the original creditor, along with the full history of the account from inception to present.

Legal Basis : - 15 U.S.C. 1692g ( b ) : You must cease collection activity and credit reporting until validation is provided.

- FCRA 623 ( a ) ( 1 ) ( A ) : You may not report unverifiable or inaccurate information. 
- XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Validation requires substantive evidence. 
- XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : XXXX must conduct a meaningful investigation. 

XXXX XXXX XXXX Account # : XXXX Amount : {$57.00} Reporting to : Experian, TransUnion If you are unable or unwilling to produce the requested documentation, this constitutes your admission that you lack legal standing to pursue or report this account. In such case, I demand immediate cessation of collection efforts, removal of this item from all credit bureaus, and written confirmation that no further action will be taken. 

Any further reporting or collection attempts without proper validation will be considered a willful violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General. 

All future communication must be in writing only. Phone contact is not authorized. 

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 explanation
Consumer complaint received 2025-04-16 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: DE

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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b 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! 


15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My account was never late! I have had exceptional payment history 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b 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!

15 USC 1666b ( 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-16 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: IL

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As I was looking at my credit report I also noticed my account in the amount of XXXX was charged off and written off can you please send me a copy of the XXXX form

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove!

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 2025-04-16 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: TX

Complaint narrative:
On XX/XX/year>, I mailed TransUnion a Final Demand for Method of Verification ( MOV ) letter related to multiple inaccurate accounts appearing on my credit report. TransUnion received my letter and, as of todays date, has failed to respond with the legally required details regarding how these accounts were verified. 

My letter specifically asked for : The name and contact information of the party that verified each account What documents were used in the investigation How the payment history, balance, and delinquency dates were confirmed Why the accounts were updated rather than deleted if no documentation exists I did not receive any of the above information. Instead, the accounts remain on my report with no explanation, no documents, and no proper response to my MOV request. 

This violates the Fair Credit Reporting Act ( FCRA ), which gives consumers the right to request the method of verification when accounts are verified as accurate. TransUnion has ignored this request and failed to provide a proper response within the XXXX business day timeframe.

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 2025-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 
XXXX XXXX : Account number : XXXX, The collector never validated this account. Please investigate and get back to me Fast.

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 2025-04-16 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: MI

Complaint narrative:
I have reported this company multiple times due to failure to properly update my credit report to reflect accuracy and not mislead companies. I recently filed a claim with XXXX XXXX XXXX ( XXXX ) and Equifax has failed to respond and or pay the appropriate fees as agreed to in their terms, to move forward with arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 am writing to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

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 2025-04-16 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I am submitting a complaint against XXXX XXXX and XXXX credit bureaus ( TransUnion, Experian, and Equifax ) for continued and willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX standards, and for verifying inaccurate and misleading information during my initial dispute. 

This account ( Account # : ending in XXXX ) is a charged-off credit card that was closed on XX/XX/year>. Despite this, it continues to report false and contradictory information, which violates the following : Violations : Balance Inaccuracy : XXXX  and XXXX  correctly show a {$0.00} balance, while Equifax shows {$550.00}. This inconsistency violates 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) for failure to report complete and accurate information. 
Re-Aging of Charge-Offs : Experian is illegally re-aging the charge-off every month by marking the account as CO in the payment history for each reporting cycle. A charge-off is a one-time event, not a recurring delinquency. This practice is deceptive and not in compliance with XXXX XXXX guidelines. 
Inconsistent Credit Limit Reporting : XXXX  and XXXX  show the correct {$400.00} limit, while Equifax reports {$0.00}, further evidencing negligence or willful manipulation. 
Dispute Status : I have previously disputed this account, and yet no proper investigation was performed. The account was verified without documentation, which is a direct violation of 15 U.S.C. 1681i ( a ). This makes the reinvestigation process unlawful and incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: AL

Complaint narrative:
Subject : Follow-Up to Existing Equifax Data Breach Complaint New Evidence Attached Message : This complaint is a follow-up to a previously submitted case regarding the Equifax XXXX data breach and their failure to notify me of my involvement. I was not made aware of the breach until recently, and by that time, the settlement deadline had passed. 

I am now submitting this second complaint because your system does not allow updates to open cases. I have received XXXX emails from XXXX XXXX, XXXX XXXX XXXX at Equifax, which show that Equifax : Acknowledges they will not provide further compensation because the deadline has passed. 

Offers me only {$120.00} as a settlement, despite never notifying me. 

Confirms that all claims are considered time barred even though I was unaware I was impacted. 


I am still suffering financial damage, identity theft issues, and credit harm due to this breach. I am requesting a full review of this situation based on Equifaxs failure to notify me, and the lasting impact it has had.

Attached are screenshots of the email conversations with Equifaxs legal counsel for your reference. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A XXXX credit line was opened fraudulently in my name in XXXX of XXXX. They used my phone number and personal info to do so. In XXXX of XXXX  when I discovered the fraud I called XXXX to report the fraud and was advised to close the account during their investigation and to make the monthly payments in the interim. I did not hear back from XXXX for months and when I called back to check in I find that not investigation was started so I file XXXX again. The results of the investigation were that since I made payments to the account ( under their advisement ) that that was enough proof to deny my fraud investigation to have the debt erased. My XXXX account was completely deleted so I didnt have any access to the XXXX credit account to get updates and handle things. When I tried to resolve it again they were extremely unprofessional and unhelpful that even if XXXX of their employees advised me wrongly that that is not on them and doesnt reflect in their records. So not only are they trying to put the fraudulent debt on me but also dismissing all of the payments I already made to the account. This is completely unethical and manipulative. They have now reported it again to TransUnion and have continued to send bills and harassing calls.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I ran my credit report and found that a company called professional debt mediation was listed in credit with a balance of XXXX. I did some research and saw it was attached to lions head which is an apartment complex. I went by the complex and was told they no longer used that property XXXX they gave me a phone number to call. I called the number but it wasnt to a company it was to a cell phone. I asked for the ledger and to have them call me back and i never got the requested information. I never broke a lease so i am unsure where this balance came from. I have copies of the messages i sent to the phone number. I called the company i went to the physical apartment complex and still have not been able to get an answer but every month since. 2019 they have stated i owe a balance For absolute resolution i went to court and the case was dismissed by a judge and they are still reporting it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/year>, I escalated the issue with a representative named XXXX, who indicated this should have been resolved by now. Subsequent interactions included a call on XX/XX/year>, where I was assured a follow-up call would occur on XX/XX/year>, which did not happen. On XX/XX/year>, I spoke with XXXX, a XXXX, who transferred me to the billing dispute department but stated they could not resolve disputes related to the small business credit card. I have continually been left without a resolution, and it is causing significant financial strain. 
Additionally, I have had various interactions with representatives, including XXXX XXXX in XXXX and XXXX XXXX in Colorado, all of which have led to no resolution. The total amount in question, including other fees, is {$1400.00} plus the {$2900.00} in fraudulent charges. 
The prolonged presence of these fraudulent charges is unacceptable and reflects a failure on the part of Bank of America to protect its customers from fraud. I urge the CFPB to investigate this matter and take appropriate action to hold Bank of America accountable for their inaction. 
Thank you for your attention to this pressing issue. I look forward to your prompt response.

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