vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 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: WA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-03-07 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: NY

Complaint narrative:
I am 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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the 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. 

These are the accounts I marked as inaccurate. I want reported accounts removed : - LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Experian, Equifax and Transunion : Formal Complaint Under the Fair Credit Reporting Act ( FCRA ) Violation of Federally Protected Consumer Rights I am writing to formally file a complaint regarding multiple violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following accounts listed on my credit report are inaccurate, unverifiable, and have been reported in violation of the FCRA : Inaccurate Accounts : Account Name : # XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX These accounts have violated my rights to privacy, accuracy, and confidentiality under 15 U.S.C. 1681. 

Violations of the FCRA : 15 U.S.C. 1681e ( b ) : The credit reporting agencies ( Equifax, Experian, and TransUnion ) failed to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report, as required by law. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : The furnishers of information ( e.g., creditors, lenders, or collection agencies ) are prohibited from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishers of the above accounts have violated this provision. 

15 U.S.C. 1681B ( a ) ( 1 ) : No person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishers and credit bureaus have failed to comply with this requirement. 

Impact on My Rights : These inaccuracies have caused significant harm to my creditworthiness, resulting in : Denial of credit and loans. 

Higher interest rates on approved credit. 

Emotional distress and financial hardship. 

Require the credit bureaus and furnishers to comply with their obligations under the FCRA, including conducting proper reinvestigations and ensuring the accuracy of consumer information. 

Hold the responsible parties accountable for violating my federally protected rights. 

Supporting Documentation : I have attached the following documents to support my complaint : Copies of my credit reports highlighting the inaccurate accounts.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian, Equifax and Transunion : Formal Complaint Under the Fair Credit Reporting Act ( FCRA ) Violation of Federally Protected Consumer Rights I am writing to formally file a complaint regarding multiple violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The following accounts listed on my credit report are inaccurate, unverifiable, and have been reported in violation of the FCRA : Inaccurate Accounts : Account Name : # XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX These accounts have violated my rights to privacy, accuracy, and confidentiality under 15 U.S.C. 1681. 

Violations of the FCRA : 15 U.S.C. 1681e ( b ) : The credit reporting agencies ( Equifax, Experian, and TransUnion ) failed to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report, as required by law. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) : The furnishers of information ( e.g., creditors, lenders, or collection agencies ) are prohibited from furnishing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishers of the above accounts have violated this provision. 

15 U.S.C. 1681B ( a ) ( 1 ) : No person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishers and credit bureaus have failed to comply with this requirement. 

Impact on My Rights : These inaccuracies have caused significant harm to my creditworthiness, resulting in : Denial of credit and loans. 

Higher interest rates on approved credit. 

Emotional distress and financial hardship. 

Require the credit bureaus and furnishers to comply with their obligations under the FCRA, including conducting proper reinvestigations and ensuring the accuracy of consumer information. 

Hold the responsible parties accountable for violating my federally protected rights. 

Supporting Documentation : I have attached the following documents to support my complaint : Copies of my credit reports highlighting the inaccurate accounts.

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 2025-03-07 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: EQUIFAX, 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 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: HW Holding, Inc
State: NC

Complaint narrative:
I sent off certified letter on XX/XX/year> to the reporting dept collector Hunter Warfield asking for validation on account XXXX that competent evidence bearing my signature showing that I have ever had some contractual obligation to pay Hunter Warfield thats reporting acct XXXXThe original creditor The Residence of XXXX XXXX XXXX this account as being charge off and written off. I never received a 1099-C form which is Cancellation of Dept or was I notified this dept was being sold off.Under law 15 USC 6802 Obligation with the Respect to disclose of personal information also 15 USC 1692e False or Misleading Representation and section 623b Violation of the Fair Credit Reporting Act also section 807-8 Violation of the Fair Debt Collection Practices Act. I ask for this account to be removed immediately

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I'm filing this complaint against Experian and Equifax for failing to remove several charge-offs that should no longer be reported. The IRS approved a 1099-C Cancellation of Debt form for 3 charge-off accounts. Experian received the dispute on XX/XX/year> and Equifax on XX/XX/year>. It has been over 10 days and the accounts have not been updated. Under IRS Code 26 USC 6050P, once a debt is canceled and reported to the IRS, it is no longer legally owed. Under FCRA 15 USC 1681, credit bureaus must maintain accurate and verifiable information. Since the debts were legally canceled and reported as income, the charge-offs are now inaccurate and misleading, violating my rights under FCRA.

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 — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing a complaint against XXXX Credit Card and [ Experian, Equifax, or TransUnion ] due to inaccurate and incomplete information on my credit report. Despite my dispute, these errors remain unverified and uncorrected, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Issue : XXXX. Missing Payment History ( XX/XX/XXXX XX/XX/XXXX ) : XXXX XXXX Credit Card ( Acct # XXXX ) is missing payment history for over a year. Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must ensure that reported data is complete and accurate. If Ally can not provide this information, the record should be updated or removed.

2. Incorrect Credit Limit Reporting : My credit limit was {$1000.00} in XX/XX/XXXX, but it was later changed to {$1900.00} in XX/XX/XXXX. If this change was not accurately reported, it violates FCRA 15 U.S.C. 1681i ( a ) ( 1 ), which requires the bureau to investigate and correct errors upon dispute. 

XXXX. Unexplained Balance Fluctuations : My balance increased from {$50.00} in XX/XX/XXXX to {$880.00} in XX/XX/XXXX, even though my records show payments were made. This inconsistency suggests either misreported transactions or a failure to properly apply payments, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires creditors to report accurate information. 

XXXX. Failure to Remove Unverifiable Information : I disputed these issues, yet XXXX and the credit bureau have not provided verification. Under FCRA 15 U.S.C. 1681i ( a ) ( XXXX ), any information that can not be verified must be deleted. 

XXXX. XXXX Credit Cards Failure to Investigate Properly : Ally is obligated under FCRA 15 U.S.C. 1681s-2 ( b ) to investigate disputes submitted by credit bureaus, but they have failed to provide documentation or correction.

These errors have lowered my credit score, affected my ability to secure credit, and caused financial harm and stress. I have wasted time disputing these inaccuracies, yet they remain unresolved.

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 — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am filing a complaint against XXXX Credit Card and [ Experian, Equifax, or TransUnion ] due to inaccurate and incomplete information on my credit report. Despite my dispute, these errors remain unverified and uncorrected, violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



Details of the Issue : XXXX. Missing Payment History ( XX/XX/XXXX XX/XX/XXXX ) : XXXX XXXX Credit Card ( Acct # XXXX ) is missing payment history for over a year. Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must ensure that reported data is complete and accurate. If Ally can not provide this information, the record should be updated or removed.

2. Incorrect Credit Limit Reporting : My credit limit was {$1000.00} in XX/XX/XXXX, but it was later changed to {$1900.00} in XX/XX/XXXX. If this change was not accurately reported, it violates FCRA 15 U.S.C. 1681i ( a ) ( 1 ), which requires the bureau to investigate and correct errors upon dispute. 

XXXX. Unexplained Balance Fluctuations : My balance increased from {$50.00} in XX/XX/XXXX to {$880.00} in XX/XX/XXXX, even though my records show payments were made. This inconsistency suggests either misreported transactions or a failure to properly apply payments, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires creditors to report accurate information. 

XXXX. Failure to Remove Unverifiable Information : I disputed these issues, yet XXXX and the credit bureau have not provided verification. Under FCRA 15 U.S.C. 1681i ( a ) ( XXXX ), any information that can not be verified must be deleted. 

XXXX. XXXX Credit Cards Failure to Investigate Properly : Ally is obligated under FCRA 15 U.S.C. 1681s-2 ( b ) to investigate disputes submitted by credit bureaus, but they have failed to provide documentation or correction.

These errors have lowered my credit score, affected my ability to secure credit, and caused financial harm and stress. I have wasted time disputing these inaccuracies, yet they remain unresolved.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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.
State: NY

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete 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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
This debt is from XXXX I cant believe I even have to make this report and this debt is number XXXX, not mine and number XXXX, XXXX old so it still being on my credit report and hindering me from purchasing a home is absolutely unacceptable.. I deserve to be compensated for this egregious error..I am expressing now for the third time an extreme need to have these numerous accounts that I have no knowledge of to be removed immediately under section 605B because it is hindering from acquiring my home for me n my XXXX son. I am a homebound XXXX XXXX retired woman who has not been shopping anywhere since my bilateral total hip replacements in XXXX XXXX and XX/XX/XXXX resulting in my XXXX retirement in XXXX of XXXX I was home and had no further need to shop at any of these places and someone used my personal information knowing I was home in bed and would not become aware until it is too late and now no lender will approve me and my autistic child for a home. please rectify this matter I implore you to please help my small family acquire this much needed home. 
Case # XXXX is the case number for all complaints entered on XXXX XXXX complaint was phoned in for the third time it is in the system at both XXXX and XXXX along with fraud alerts I unfroze my credit so that a lender can reapprove me for a house for my son and I and I was denied due to a terrible credit report that was not my doing and I proactively tried to rectify and none of the credit bureaus lifted a finger to fix or clear any discrepancies on my report and I even paid a credit repair company to send XXXX dispute letters last year ( Credit Pros ) and nothing was fixed at all and I lost my opportunity last year to purchase a house if I lose this chance again I will be on the street and I will go to the media because I am not being heard n Im XXXX this is abuse on the physically developmentally challenged and I will not let this hinder my sons quality of life again.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

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