vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am filing a complaint against TransUnoin for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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, XXXXXXXX XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

1. XXXX XXXX XXXX- Account number : XXXX - Original creditor : XXXX XXXX XXXXe XXXX - Balance : {$710.00} 2. XXXX XXXX XXXX - Account number : XXXX - Original creditor : XXXX - Balance : {$270.00} 3. XXXX  XXXX XXXX  - Account number : XXXX - Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
- Balance : {$420.00} 4. XXXX XXXX XXXX - Account number : XXXX - Original creditor : XXXX XXXX  - Balance : {$360.00} 5. XXXX  XXXX XXXX - Account number : XXXX - Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
- Balance : {$470.00}

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 2025-03-10 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: IL

Complaint narrative:
This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and damaging my creditworthiness. 
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have & quot; verified & quot ; the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT UNAUTHORIZED INQUIRIES DUE TO 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

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 2025-03-10 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: CT

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
I'm writing to formally dispute the Inaccurate and unverifiable information appearing on my credit report as per rights under the FCRA. XXXX XXXX XXXX  # XXXX past due {$2800.00} XXXX XXXX  # XXXX past due {$3700.00} XXXX XXXX  # XXXX past due {$4700.00} XXXX XXXX XXXX # XXXX past due {$2200.00} XXXX XXXX XXXX # XXXX past due {$14000.00} XXXX  # XXXX past due {$10000.00} XXXX XXXX  # XXXX past due {$4200.00} XXXX XXXX  # XXXX past due {$4200.00} XXXX XXXX  # XXXX past due {$7500.00} XXXX XXXX  # XXXX past due {$7100.00}. Per 15 U.S. Code 1681s-2 data furnishers must only report accurate and verifiable information. These accounts were not properly validated. And I request immediate verification of all details under the FCRA section 611 ( 15 U.S Code 1681i ) If it can not be verified in compliance with federal regulations, it must be removed immediately. And under the FCRA guidelines, if a creditor reports an account as a charge-off, the balance should be reported as {$0.00}. If it was sold to a third party or no longer owed directly to the creditor. I demand a correction or immediate deletion if the accounts can not be validated accurately.

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 2025-03-10 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: GA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Inaccurate information on my credit report and background checks causing list of jobs and revenue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Inaccurate information on my credit report and background checks causing list of jobs and revenue

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution. 

Name : 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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. Please..

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 2025-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A 1099-c was not received and It was sent to the IRS. 
Account Number : XXXX Date of 1099-C Issuance : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
Company has been reporting the account as charge-off since XX/XX/2023 ; however, I have yet to receive a 1099-C from this company. According to the Internal Revenue Code 108, if a creditor cancels a debt, they must report it using a 1099-C form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX / XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX XXXX. The details across TransUnion and Equifax reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : Equifax : The payment history inaccurately reflects late payments, including XXXX late ( XXXX XXXX ), XXXX late ( XXXX XXXX ), and XXXX late ( XXXX XXXX ) over the past XXXX years. 

The status " At least XXXX XXXX or more than XXXX payments past due '' is incorrect as the account was paid as agreed. 

I request immediate correction or removal of inaccurate late payment history and proper reporting of the account 's paid status. 

TransUnion : The payment history inaccurately reflects late payments, including XXXX late ( XXXX XXXX ), XXXX late ( XXXX XXXX ), and XXXX late ( XXXX XXXX ). 

The account is marked as " Paid or paying as agreed, '' but the late payment history contradicts this status. 

I request a full investigation and the removal of all inaccurate late payment notations. 

Requested Actions : Provide me with written validation from the original creditor for the reporting details. 

Correct any inaccurate information or delete unverifiable data from my credit file. 

Update the status across all credit bureaus to ensure consistency. 

Send me written confirmation once the investigation has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
openlaw has threatened me with some paragraphs on a piece of paper ive never dealt with this company LVNV FUNDING no account number, no amount due just this threatening letter which ive never dealt with so im not contacting anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 filing a formal complaint against Equifax Information Services LLC for failure to investigate disputed accounts, continued reporting of inaccurate or unverifiable information, and violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

In XX/XX/year>, I disputed several inaccuracies in my credit report. Equifax failed to conduct a proper investigation and verified incorrect or outdated information. 
These are the violations Committed by Equifax : Failure to Conduct a Proper Investigation ( FCRA 1681i ) Equifax verified inaccurate accounts without proper documentation from furnishers.

Per FCRA regulations, credit bureaus must remove or correct inaccurate information within 30 days.

Failure to Remove Unverifiable Accounts ( FCRA 1681c ) Some charge-offs, collections, and transferred accounts are still reporting incorrectly despite disputes. Equifax must remove accounts that can not be verified.

Re-Aging of Negative Accounts ( FCRA 1681c ) Some accounts have incorrect delinquency dates, making them appear more recent than they are. Negative items must be removed after 7 years from the original delinquency date.

Duplicate Debt Reporting ( FCRA 1681s-2 ) Accounts transferred to debt collectors are still reporting under both the original c
reditor and the debt buyer. This inflates the amount of debt reported and is misleading to creditors.

Failure to Mark Accounts as " Disputed '' ( FCRA 1681s-2 ( a ) ( 3 ) ) Equifax failed to properly label disputed accounts, making it appear that I accepted these inaccuracies. This misrepresentation damages my credit score unfairly. 

Collection Agencies Reporting Without Validation ( FDCPA 1692g ) XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have reported debts without validating them. The FDCPA requires debt collectors to verify the debt before reporting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Forward Funding Group, Inc.
State: CA

Complaint narrative:
I recently appliced for a personal loan online and received a call from Forward Funding needing to verify some information and after providing the requested information I was informed that I was declined for the personal loan that I was applying for. I requested to know who or which financial institutions declines my application as Forward Funding is not a lender but a broker. The representative informed they are not required to provide me with that information. Upon hearing that information I informed the rep they are legally required to provide that information since I am being declined for credit. I informed the rep they are required to provide me with the following : 1. Name of the lender 2. Credit Score 3. Credit reporting agency used Upon hearing the rep placed me on hold and I was transferred to a manager by the name of XXXX XXXX XXXX XXXX XXXX, Direct Line : ( XXXX ) XXXX ; Toll Free : ( XXXX ) XXXX, email : XXXX, Web : www.forwardfunding.com. XXXX stated he is a XXXX and was going to send me an email with the reason why the credit application was declined and the other information tha I have requested. The only information received is his information to this day no other information has been received. 

Additionally, this company does not list anywhere on their website that they are not a lender and when marketing emails are sent out, it makes it seem that they are a lender when in fact they are not. What they do is get information of someone in order to sell a debt consolidation product instead of a personal loan. 

I say this because I told the person who reached out to me and then transferred me to someone else before being transferred to XXXX that I am not interested in any debt consolidation program and the person acted as they were offended as they kept telling me that they have helped thousands of people get out of debt. All in all it felt as the rep and the XXXX didn't really care or better yet were not listening to what I was saying. 

At this time I have neither received any email with the reason why the personal loan was declined and who declined the loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies are super stressful and are affecting my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent even my fault. I'm really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Date of Birth : My correct Date of Birth is XX/XX/year>. 


XXXX. My employer is : XXXX XXXX XXXX XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-03-10 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: PA

Complaint narrative:
I recently reviewed a copy of my report and noticed i had fraudulent accounts on my report please remover these accounts from my report they are hurting my ability to obtain credit

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
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 non-monetary relief