vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-06 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: NC

Complaint narrative:
I am writing to file a formal complaint concerning several inaccuracies on my XXXX ( certified mail # XXXX ), Equifax ( certified # XXXX ) and XXXX ( certified # XXXX ) credit reports that remain unresolved following a dispute directly with the bureau. Despite providing a sworn affidavit and supporting documentation thru certified mail, the following items continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), applicable North Carolina state laws, Metro 2 reporting standards, and other relevant guidelines : XXXX XXXX FCU : This account is reported as a charge-off without proper validation. With a {$0.00} balance, XXXX XXXX standards require that it be updated to Paid as Agreed with an accurate, on-time payment historyor removed if no obligation exists. 

XXXX XXXX XXXX : A charge-off is listed without verifiable documentation. The FCRA mandates that all reported data must be validated with original documentation ; if such validation is absent, the entry should be deleted. 

XXXX XXXX : A collection account is reported without the legally required validation. Under FDCPA and North Carolina law, unverifiable debts must be either fully validated or removed. 

XXXX XXXX : An account that was sold to another lender still appears as a duplicate entry on my credit report. This duplicate reporting is prohibited by the FCRA and should be removed immediately. 

XXXX XXXX This charge-off is reported with an inconsistent balance and lacks proof of proper fee and interest calculations. XXXX requires full transparency ; therefore, an itemized verification must be provided or the account must be deleted. 

This is my first complaint with the CFPB regarding these issues. 
Please investigate this matter and take prompt corrective action. I also request written confirmation of the actions taken.. 

Thank you for your prompt attention to this matter.

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 2025-03-06 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-06 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-06 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: NY

Complaint narrative:
I a filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
I need your assistance in reviewing accounts from companies that are incorrectly reporting late payments. After checking my credit report, I found that certain accounts have late payment marks that should not be there. These accounts should not show any late payment remarks.

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 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, Pursuant to my rights under the Fair Credit Reporting Act ( XXXX  ), specifically Sections XXXX ( XXXX U.S.C. XXXX ) and XXXX ( XXXX XXXX. XXXX ), as well as the Fair Debt Collection Practices Act ( XXXX  ), specifically Section XXXX ( XXXX U.S.C. XXXX ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$0.00} Date of 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 2025-03-06 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: GA

Complaint narrative:
I have disputed this account with Equifax and resolved the issue with XXXX XXXX with the assistance of CFPB. The company responded and that CFPB information was provided to Equifax. They in turn responded to me that the collection company is still reporting to Equifax that the account is Reporting correctly despite the fact they reported to CFPB the following : responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation XXXX XXXX XXXX Dear Consumer Financial Protection Bureau : Thank you for the inquiry regarding the above-referenced consumer. Our office values the feedback of the consumers we serve and hope to reach an amicable resolution with the consumer and your office. I have reviewed our notes and the documentation provided by the consumer. The account was placed in our office for collection on XX/XX/XXXX with a balance of {$350.00} owing to XXXX. The last payment on the account to the creditor was XX/XX/XXXX. On XX/XX/XXXX, the creditor recalled the account from our office, and our office has not attempted any collection effort on this account since said date and we are no longer reporting the account to the credit bureau. If you have any further questions regarding this account, please direct them to XXXX 

My question is, isn't this a violation of the FCRA? 
Someone is lying to both of us. 
Equifax 's report is reporting on XX/XX/XXXX that the " account is verified and reporting correctly! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-06 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I was told if I paid the debt it wouldn't go on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System reported that i owed them {$2300.00} for something i never borrowed from them. 

Per 15 U.S.C 1681b ( Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter )., information on my report is supposed to be accurate.

Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. 

( c ) The bond must be in the amount of {$10000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( Last XXXX # XXXX ) ; XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX XXXX and I have divorced since XXXX. XXXX opened multiple credit cards with my name as primary account holder in XXXX. I have contacted multiple credit cards including Chase, Chase XXXX, JPMCB Card, and XXXX XXXX for total of fraudulent charges of {$15000.00}. XXXX XXXX and XXXX police departments have filed reports for status of investigation against suspect XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX for a guilty plea that was on XX/XX/XXXX, for XXXX for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for 5 years for approximately {$170000.00} at XXXX XXXX  XXXX XXXX NJ XXXX XXXX was then transferred to XXXX XXXX XXXX XXXX for XXXX XXXX on XX/XX/XXXX. Please carefully review and resolve this matter of credit card fraud in my names as primary account holders to not affect my credit report. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
I NEVER AUTHORIZED AN INQUIRY WITH AMERICAN CREDIT ACCEPTANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint against XXXX XXXX and [ Credit Bureau XXXX ] for inaccurate reporting on my credit file and failure to properly investigate my dispute, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Issue Summary : 1. Incomplete Payment History : XXXX XXXX XXXX account ( Acct # XXXX ] ) has missing or incomplete payment history from XXXX to XXXX. Under XXXX XXXX. XXXX ( b ), the credit bureau must ensure accurate reporting. If XXXX can not verify this data, it should be updated or removed. 

2. Incorrect Balance Reporting : My credit report shows an incorrect balance of {$5000.00}, which does not match my records. Per 15 U.S.C. 1681i ( a ) ( 1 ), the bureau must investigate and correct inaccurate information. 

XXXX. Failure to Remove Unverifiable Information : The credit bureau and XXXX have failed to provide documentation proving the accuracy of the reported data. Under 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable data must be deleted from my report. 

XXXX. Neglect of FCRA XXXX : XXXX XXXX is responsible for reporting accurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) but has failed to do so. The credit bureau has also failed to conduct a proper reinvestigation per 15 U.S.C. 1681s-2 ( b ).

Due to these errors, I have experienced credit score damage, financial loss, and difficulty securing loans. This has caused undue stress, inconvenience, and wasted time disputing inaccurate information that should have been corrected.

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 2025-03-06 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: PA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint against LVNV Funding regarding their inaccurate and unlawful reporting of a collection account on my XXXX credit report, as well as their continued contact with me despite my explicit cease-and-desist request. LVNV Funding has failed to provide me with a debt verification letter as required under the Fair Debt Collection Practices Act ( FDCPA ), despite my request for validation of the alleged debt. Furthermore, after I sent a cease-and-desist letter instructing them to stop all communication, they have continued to contact me, which is a direct violation of FDCPA Section 805 ( c ).

This collection account has been resolved with XXXX and XXXX, and both bureaus have removed it from my credit reports. However, LVNV Funding has not taken similar action with XXXX, allowing the inaccurate and unverified collection to remain on my XXXX report. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ), creditors and collection agencies are required to ensure the accuracy of information reported to credit bureaus and must investigate and correct inaccuracies upon dispute. LVNV Fundings failure to provide verification of the debt and their refusal to remove the collection from my XXXX report violate these provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: CA

Complaint narrative:
I am listing XXXX fraudulent inquiries from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.

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 2025-03-06 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: NC

Complaint narrative:
I am writing to file a formal complaint concerning several inaccuracies on my XXXX ( certified mail # XXXX ), Equifax ( certified # XXXX ) and XXXX ( certified # XXXX ) credit reports that remain unresolved following a dispute directly with the bureau. Despite providing a sworn affidavit and supporting documentation thru certified mail, the following items continue to be reported in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), applicable North Carolina state laws, Metro 2 reporting standards, and other relevant guidelines : XXXX XXXX FCU : This account is reported as a charge-off without proper validation. With a {$0.00} balance, XXXX XXXX standards require that it be updated to Paid as Agreed with an accurate, on-time payment historyor removed if no obligation exists. 

XXXX XXXX XXXX : A charge-off is listed without verifiable documentation. The FCRA mandates that all reported data must be validated with original documentation ; if such validation is absent, the entry should be deleted. 

XXXX XXXX : A collection account is reported without the legally required validation. Under FDCPA and North Carolina law, unverifiable debts must be either fully validated or removed. 

XXXX XXXX : An account that was sold to another lender still appears as a duplicate entry on my credit report. This duplicate reporting is prohibited by the FCRA and should be removed immediately. 

XXXX XXXX This charge-off is reported with an inconsistent balance and lacks proof of proper fee and interest calculations. XXXX requires full transparency ; therefore, an itemized verification must be provided or the account must be deleted. 

This is my first complaint with the CFPB regarding these issues. 
Please investigate this matter and take prompt corrective action. I also request written confirmation of the actions taken.. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief