vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS 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 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

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 2025-05-23 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: IL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-23 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-05-23 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: SC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: PA

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 2025-05-23 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: VA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-23 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: VA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
The attached accounts, collections, and inquiries were DELETED off of XXXX but still remain on both Transunion and Equifax. I would like the following items Deleted so that all XXXX credit reflect the same status as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ULRS, Inc.
State: SC

Complaint narrative:
Tried to call and discuss account several times with no resolution. I first called to discuss with account manager which ended up in escalation. The way he spoke to me was very unprofessional and talked down to me as if I was a child. Stated that the account being pursued was my fault and that I was being untruthful about my side of the story. Called back several weeks later to try and rectify again and spoke with the legal manager. He also spoke down to me and accused me of " trying to get something for free ''. Both people at company offered no resolution to the account pertaining and only personally insulted me and my character. The proper resolution would have been not to insult the consumer and talk down to them like they are less than. Offer a form of resolution or dispute process and rectify the situation instead of escalation and character assessment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: DE

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I asked them to prove that they are allowed to collect for XXXX XXXX and nothing has been proven

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 2025-05-23 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:
This morning, I discovered some incorrect accounts listed on my credit report, and I dont understand how they got there. I routinely check my report, but this time I found unexpected discrepancies. I even refreshed my browser thinking it might be a technical issue, but the inaccuracies remained. Because of this, Im requesting a careful review of the documents I submitted to help ensure this doesnt become a recurring concern.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

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.

15 U.S.C 1681 section 602 A. 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 ) ( 1 ) 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.

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 2025-05-23 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This is a formal complaint against JPMCB CARD concerning a charged-off account being improperly reported on my credit file in violation of federal law. I am demanding immediate corrective action, including deletion of the account from all consumer reporting agencies and issuance of IRS Form 1099-C, if applicable.

Account Information : Creditor Name : JPMCB Card Account Number : XXXX Amount Charged Off : {$8300.00} Date of Charge-Off ( if known ) : XX/XX/year> Legal Violations and Issues Raised : 1. Failure to Provide IRS Form 1099-C : Under IRS regulations ( 26 U.S. Code 6050P ), financial institutions are required to file Form 1099-C with the IRS and provide a copy to the borrower when a debt of {$600.00} or more is canceled or forgiven. If the creditor claims to have charged off this account and considers the debt uncollectible, I am legally entitled to receive a copy of this form. As of today, I have received no such documentation.

2. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( b ) : If the debt has been canceled or discharged and a 1099-C has been filed, the continued reporting of the debt as charged off or past due is inaccurate, misleading, and in violation of the FCRA. Furnishers of information are required to report only accurate and complete information to consumer reporting agencies. Failure to do so can result in legal consequences, including statutory damages, attorney fees, and punitive damages.

3. Violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e : If a third-party collector is involved and continues to pursue collection on a canceled debt, this constitutes a false or misleading representation of the legal status of the debt, in direct violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/1977. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$19000.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$0.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Overview : In XX/XX/XXXX, I made a {$3000.00} payment from my Bank of America ( BoA ) checking account ( ending in XXXX ) to my BoA Business Credit Card ( ending in XXXX ). This card had a {$0.00} balance. I immediately contacted BoA to correct the error and asked that the funds be re-applied to the correct card ( ending in XXXX ). 

BoA Mishandled the Refund : BoA refunded the money to my checking account but failed to correctly apply the funds to the intended card. I followed instructions from a BoA rep and re-paid {$3000.00} to the XXXX account on XX/XX/XXXX, expecting the balance to return to {$0.00}. It did not. Instead, the account began accruing interest and late fees, eventually reaching a false balance of {$4000.00} by XX/XX/XXXX. 

Over-Limit Trap : In XX/XX/XXXX, BoA reduced my credit limit from {$12000.00} to {$3900.00}, while the false balance was over {$4400.00}. This forced the account into an over-limit status entirely caused by their mistake. 

Credit Damage & Negligence : BoA then reported a 30-day late payment to XXXX, damaged my credit score, and significantly raised my utilization ratio impacting my ability to get funding. 

Ignored Formal Complaint : I mailed a formal written complaint on XX/XX/XXXX, which was received via USPS Certified Mail on XX/XX/XXXX. I received one callback ( from rep XXXX XXXX ) and returned 12 calls, leaving multiple voicemails all ignored. 

Damages : Because of this error, I missed multiple real estate investment opportunities and was forced to close all BoA personal checking accounts out of fear of unauthorized fund seizure. My total verified damages are approximately {$300000.00} including business loss, credit harm, emotional distress, and false fees/interest. 

Supporting Evidence Attached :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
Subject : Formal Demand for Permanent Deletion of Inaccurate Accounts Notice of Intent to Pursue Legal Action To Whom It May Concern : I am writing to formally dispute the inaccurate and harmful accounts currently listed on my credit report with both Experian and Equifax. This is being done in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
This is a final demand to permanently delete the following accounts from my credit report within five ( 5 ) days of receipt of this letter : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are inaccurate, unverifiable, and damaging to my financial well-being. I have suffered multiple denials for auto loans, credit cards, and mortgage applications, and have been subjected to unfair, inflated interest rates directly due to these reporting failures. 
Per FCRA 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation when a consumer disputes the accuracy of information. Re-reporting unverified, outdated, or inaccurate information without complete validation is a direct violation of 1681i ( a ) ( 5 ).

Additionally, under 1681e ( b ), you are mandated to follow reasonable procedures to ensure maximum possible accuracy of the information you report. Your failure to comply with these procedures, as evidenced by the recent lawsuit involving both Experian and Equifax, underscores a pattern of negligence and noncompliance. 
If the accounts in question are not permanently deleted within 5 business days from the receipt of this letter, I will have no choice but to pursue legal action. This includes filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and taking legal steps to recover damages under FCRA 1681n and 1681o for willful and negligent noncompliance. 
This letter serves as notice of intent to litigate. I have documented the harm caused, and I am fully prepared to pursue maximum statutory and punitive damages as permitted by federal law. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: MA

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 non-monetary relief
Consumer complaint received 2025-05-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did not authorize these hard inquiries, nor have I had any prior dealings with these companies. It appears these inquiries have been processed in error or are a result of fraudulent activity. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I request that these inquiries be removed from my credit report. Please notify me of the outcome of your investigation at your earliest convenience. 

I appreciate your prompt attention to this matter, as these inquiries are negatively impacting my credit score. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I received a text message on XX/XX/year> at XXXX requesting I pay a bill. I had already sent this debt collect a response via mail, now they sent me a text message. Attached below is a copy of the text message.

Company response to consumer: Closed with explanation