vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
RE : Formal Demand for Deletion of Inaccurately Reported Charged-Off Account Account No. Ending in XXXX To Whom It May Concern, I am writing to notify you of serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) in relation to your reporting of the account ending in XXXX, originally opened on XX/XX/XXXX. This credit card account is currently listed as closed and charged off, yet your company continues to furnish misleading and inaccurate information to the consumer reporting agencies. 

The violations include : Monthly charge-off reporting after the account was closed. The account was charged off, yet you continue to report it as if it is actively delinquent. " CO '' has been reported for 20 consecutive months from XX/XX/XXXXXXXX  through XX/XX/XXXX, which is misleading and a direct violation of FCRA Section 1681s-2. 

Re-aging of the account. Reporting ongoing charge-offs after the original charge-off date gives the false appearance of a more recent delinquency and may artificially extend the reporting period. This is deceptive and violates credit reporting standards. 

False reporting of the account status. The account is closed, yet the credit history reflects continuing negative activity, which is inaccurate. 

Failure to finalize derogatory status. Charged-off accounts should reflect a fixed derogatory status and should not continue accumulating new derogatory marks after the charge-off date. 

These actions constitute 23 separate violations of federal law. As allowed under the FCRA and FDCPA, each violation is subject to statutory damages of up to {$1000.00}. Therefore, I am seeking a total of {$23000.00} in damages. 

You are hereby given 15 calendar days from the date of this letter to remove this account in its entirety from all consumer reporting agenciesExperian, Equifax, and TransUnionand provide written confirmation of the deletion. 

If you do not comply within this time frame, I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I will also initiate legal action to seek statutory damages, attorneys fees, and any other relief permitted by law. 

This letter serves as your final opportunity to resolve this matter without legal escalation. 

Sincerely,

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 2025-04-24 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

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.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below XXXX XXXX XXXX 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 2025-04-24 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: NC

Complaint narrative:
XXXX XXXX  XXXX ; Is reporting to Equafax that my account in still pending investigation, they have received all requested documents from myself, Transunion, and XXXX. Showing the account is paid in full and closed out. As of XX/XX/year>. 
I paid the {$760.00} to pay the account in full. 
I am trying to use my VA home loan to purchase home for me and my family and we are not able to because Equafax will not update there services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated XXXX system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures. 
Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There are Multiple credit increase that I did not.Do I have not requested a credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-04-24 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Formal Statement Regarding Disputed Check and Noncompliance by XXXX XXXXk On XX/XX/XXXX, I was issued a check in the amount of {$18000.00} as the resolution of a financial dispute. However, the check was subsequently voided by XXXX XXXX I was later informed that the check had been voided due to an alleged determinationreached upon further reviewthat I was involved in the unauthorized negotiation of the check. This allegation is categorically false. 

I have formally requested that XXXX XXXX provide evidentiary documentation substantiating its claim that I was involved in cashing the check. To date, no such evidence has been presented. 

Moreover, XXXX XXXX  has failed to comply with its obligations under federal law. Specifically, the company has not adhered to : Regulation E ( 12 CFR 1005.11 ), which requires financial institutions to conduct a reasonable investigation of consumer claims of error and to provide the results of that investigation to the consumer ; Regulation B ( 12 CFR 1002.9 ), which mandates that creditors provide notice of action taken and the reasons for adverse decisions ; and Regulation Z ( 12 CFR Part 1026 ), which enforces transparency in credit transactions and requires detailed disclosures. 
These regulations collectively require that I be furnished with a clear explanation of the basis for the adverse determination, as well as any findings made during the course of XXXX XXXX investigation. That disclosure has not occurred. 

Due to the seriousness of this matter and XXXX XXXX ongoing noncompliance, I have contacted the Federal Bureau of Investigation ( FBI ) and reported these circumstances for further review and potential investigation. 

I respectfully request that XXXX XXXX immediately provide all relevant documentation and findings related to the voiding of this check and the determination of liability, in full compliance with the applicable federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
we are international travel company, with checking account of BOFA since XXXX. Our passengers pay for their tour package including flight and land operation by their credit cards, BOFA provide merchant service. BOFA merchant service used to be good until XX/XX/XXXX, they started to withhold 45 % all our transaction of income by charging our clients/ credit card payment. So far they withheld close to {$40000.00} from the total charge of {$83000.00} from XX/XX/XXXX to XX/XX/XXXX. I started to talk with BOFA merchant service, XXXX department and XXXX department over XXXX representatives, none of them informed me for any reason of their withhold. I think their reason was their bank financial office in Minnesota stole {$15000.00} from my business checking account on XX/XX/XXXX, then they downgrade my business and personal XXXX XXXX, so their underwriter at XXXX department XXXX XXXX XXXX made this bad decision. I need the income from the merchant service transaction to buy flight tickets, 45 % withholding is going to force this XXXX successful travel company to close for bankrupt. On XX/XX/XXXX, Bank of America refund me with {$15000.00} they stole from my business checking account, so it is the time they also return 45 % withhold they took from our merchant service transaction.

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 2025-04-24 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 : Request for Debt Validation Dear Credit Bureau I am writing to request validation of the following debt reported on my credit file, as permitted under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The details of the debt are as follows : -ACCOUNT XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I dispute the validity of this debt due to [ briefly explain your reason for disputing the debt, if applicable, e.g., it is not mine, I have already paid it, etc. ]. Therefore, I request that you provide me with documentation that verifies the amount and legitimacy of this debt.

Please include the following information in your response : 1. Proof of the debt, including the name of the original creditor.

2. A complete account history, including any payments made.

3. Documentation showing that you are authorized to collect this
debt on behalf of the original creditor.

4. A copy of the agreement that establishes my obligation to pay this debt.

I appreciate your prompt attention to this matter. Please send your written response to my address listed above within 30 days of your receipt of this letter. 

Thank you for your cooperation. 

Sincerely,

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank claim to be America 's most convenient bank and that's a lie. None of your agents want to do anything. Everybody wants you to step into a branch for every little issue. my XXXX  profile is locked and they're saying it's permanently blocked and they don't want to unrestrict it. All of this happened because I send {$500.00} to a friend and they send it back to me accident so I resend it back to them and it flagged the system and as a result you guys don't want to unlock it. I will be closing my bank account if you guys don't resolve this problem. As we live in an era wherr sending a transferring money is a need and your back office don't care about anything they don't want to resolve anything they're there to get paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: LA

Complaint narrative:
I am writing to dispute certain inaccurate information formally that appears on my credit report. The information in question pertains to reported late payments and charge-offs that I believe are either inaccurate, incomplete, or unverifiable. 

Below are the details of the disputed items : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was not late on the payment ( s ) in question. 
The account was in dispute at the time of the reported late payment. 
This account was paid and closed in good standing. 

XXXX XXXX XXXX XXXX This accounts was paid and closed in good standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate or incomplete. I request that you conduct a reinvestigation of these items and remove or correct the information as appropriate.

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 2025-04-24 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX TransUnion

Company response to consumer: Closed with non-monetary relief