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

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX OF XXXX * * * * Balance : {$870.00} XXXX  XXXX XXXX * * * * * * Balance : {$3600.00} XXXX XXXX * Balance : {$0.00} XXXX XXXX XXXX * * Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX  XX/XX/year>

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 2025-05-05 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: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute the reporting of a charge-off account listed on my credit file, which continues to show a current outstanding balance. This is inaccurate and potentially misleading. 
ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX According to the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) credit reporting agencies must conduct a reasonable reinvestigation of disputed information, and 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) upon completion of an investigation, the consumer must be provided with a description of the procedure used to determine the accuracy and completeness of the information, within 15 days.

A charged-off account represents a debt that the original creditor has written off as a loss, and once that status is applied, it should not reflect a current balance owed to the original creditor. If a balance is reported, it gives the false impression that the account is both delinquent and active, violating the standards of accurate credit reporting.

Please investigate this matter.I have enclosed a copy of my identification and proof of address for your verification.

Thank you for your prompt attention to this matter. I expect a written response within 15 days, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Contacted Portfolio to get the purchase agreement, flow agreement, cost of individual debt for Portfolio and validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy FCU is Reporting on my credit file that I owe over XXXX in credit cards which I dont see any account numbers.I never received any 1099c forms.According to FCRA section 605B its illegal to report inaccurate information on my credit due to Navy FCU charged off/ Profit loss which means they have wrote it off and filed it on there taxes 15 USc 1681 S-2 15 USC-1681 EB this account can not be reported each month as a delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed accounts listed below, nor has you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance.

Documentation Still Required : Despite my prior request, you have not produced any of the following : 1. A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2. Records or communications used to verify the accuracy of the disputed information ; 3. Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified.

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, includingXX/XX/XXXX and credit denials ; Legal fees and court costs, if litigation becomes necessary. 
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 2025-05-05 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: FL

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe to be the result of identity theft, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B.

In accordance with FCRA Section 605B, I request that you block the reporting of these items from my credit file within the required time frame.

This was already removed from my credit from a previous complaint now it has been returned under a different collection agency. 
If does remove within 4 days I am going to sue!!!

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 2025-05-05 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: FL

Complaint narrative:
I am writing to dispute certain information on my credit report that I believe to be the result of identity theft, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B.

In accordance with FCRA Section 605B, I request that you block the reporting of these items from my credit file within the required time frame.

This was already removed from my credit from a previous complaint now it has been returned under a different collection agency. 
If does remove within 4 days I am going to sue!!!

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

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-05-05 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: AZ

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute.

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional XXXX  and unnecessary time and effort to correct this issue.

- Denials or unfavorable terms for financial products due to incorrect reporting. 

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for inaccurately reporting information on a charged-off credit card account. I am requesting that this account be permanently removed from my credit reports due to repeated and material inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). 

The following inaccuracies are currently being reported : An incorrect last activity date An incorrect last payment date A past due balance being reported after the account was charged off An inflated high balance inconsistent with the charge-off Under 15 U.S.C. 1681i ( a ) of the FCRA, consumers have the right to dispute inaccurate or incomplete information. When such a dispute is submitted, the credit reporting agencies ( CRAs ) and the furnisher ( XXXX XXXX ) are required to conduct a reasonable investigation and delete or correct any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information has a duty not to report information it knows or has reasonable cause to believe is inaccurate. XXXX XXXX is continuing to report outdated and incorrect data, which is misleading and harmful to my credit standing. 

I have previously disputed this information with the credit bureaus, and the errors have not been corrected. Since the account remains materially inaccurate and unverifiable, I am now formally requesting that it be permanently removed from my credit profile under the authority granted by the FCRA. 

I request the CFPB to investigate this matter and require XXXX XXXX to comply with the law and remove this account from all consumer reporting agencies. 

Thank you for your time and attention.

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 2025-05-05 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: MS

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for inaccurately reporting information on a charged-off credit card account. I am requesting that this account be permanently removed from my credit reports due to repeated and material inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). 

The following inaccuracies are currently being reported : An incorrect last activity date An incorrect last payment date A past due balance being reported after the account was charged off An inflated high balance inconsistent with the charge-off Under 15 U.S.C. 1681i ( a ) of the FCRA, consumers have the right to dispute inaccurate or incomplete information. When such a dispute is submitted, the credit reporting agencies ( CRAs ) and the furnisher ( XXXX XXXX  ) are required to conduct a reasonable investigation and delete or correct any information that is found to be inaccurate, incomplete, or unverifiable within 30 days.

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information has a duty not to report information it knows or has reasonable cause to believe is inaccurate. XXXX XXXX is continuing to report outdated and incorrect data, which is misleading and harmful to my credit standing. 

I have previously disputed this information with the credit bureaus, and the errors have not been corrected. Since the account remains materially inaccurate and unverifiable, I am now formally requesting that it be permanently removed from my credit profile under the authority granted by the FCRA. 

I request the CFPB to investigate this matter and require XXXX XXXX to comply with the law and remove this account from all consumer reporting agencies. 

Thank you for your time and attention.

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 2025-05-05 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: MS

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for inaccurately reporting information on a charged-off credit card account. I am requesting that this account be permanently removed from my credit reports due to repeated and material inaccuracies in violation of the Fair Credit Reporting Act ( FCRA ). 

The following inaccuracies are currently being reported : An incorrect last activity date An incorrect last payment date A past due balance being reported after the account was charged off An inflated high balance inconsistent with the charge-off Under 15 U.S.C. 1681i ( a ) of the FCRA, consumers have the right to dispute inaccurate or incomplete information. When such a dispute is submitted, the credit reporting agencies ( CRAs ) and the furnisher ( XXXX XXXX XXXX  are required to conduct a reasonable investigation and delete or correct any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. 

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information has a duty not to report information it knows or has reasonable cause to believe is inaccurate. XXXX XXXX is continuing to report outdated and incorrect data, which is misleading and harmful to my credit standing. 

I have previously disputed this information with the credit bureaus, and the errors have not been corrected. Since the account remains materially inaccurate and unverifiable, I am now formally requesting that it be permanently removed from my credit profile under the authority granted by the FCRA. 

I request the CFPB to investigate this matter and require XXXX XXXX to comply with the law and remove this account from all consumer reporting agencies. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for { XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of { XX/XX/XXXX account was deleted from XXXX }. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within XXXX days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2025-05-05 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

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 2025-05-05 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: TX

Complaint narrative:
I recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.

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