vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing to formally dispute and request immediate re-investigation into several inaccuracies on my credit report. These are not errors made in passingthey represent significant discrepancies that fail to meet the standard of maximum possible accuracy required under the Fair Credit Reporting Act ( FCRA ) .These inaccuracies are having a serious and ongoing negative impact on my personal and financial well-being.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> {$100.00} was intended to be sent to a XXXX XXXX XXXX account, instead it was sent mistakenly to a Chase Bank account from XXXX XXXX  which I have no clue who owns or how it appeared as an option on my phone to be sent to. I've contacted XXXX, XXXX XXXX, and Chase multiple times asking for the funds to be sent to the correct account or reversed, but always told to contact the other bank and that they can not help me but that the other bank can. I've spoken to supervisors, filed disputes, and complaints and at no point have the banks notified the account holder of the mistaken funds or any attempt to get to reverse the transaction, only denying my dispute. I do not have a Chase account and do not know how this account came to exist as a transferable option on my phone. My funds were intended to be transferred to my XXXX  XXXX XXXX account. I can provide more information if needed, but the prompt says not to provide personal information for now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
After thoroughly reviewing my credit reports from all three major credit bureausTransUnion, Experian, and EquifaxI discovered multiple accounts that are inaccurately reported, outdated, unverifiable, or otherwise misrepresented. These items are unfairly damaging my credit profile and do not reflect the true and current status of my credit history. 

Despite previous attempts to resolve these discrepancies through formal disputes, I have not received proper validation, verification, or accurate correction of the following issues : Charge-Off Accounts : Several charge-off listings remain on my report without providing any original signed contracts, itemized statements, or lawful proof of debt ownership. These accounts lack proper validation and appear to be reported inconsistently across the bureaus.

Medical Collections : There are medical collection accounts being reported without complian
ce with the required procedures under the No Surprises Act and HIPAA. These accounts were never properly validated nor verified, and in some cases, appear after payments were made or insurance claims were still pending. 

Late Payments : A number of accounts continue to reflect past-due or delinquent payment history, despite the fact that these accounts were either paid in full, settled, or currently remain in good standing. These derogatory marks are misleading and do not accurately represent my payment behavior. 

Duplicate or Inconsistent Listings : Some accounts are reported multiple times across different bureaus, often showing conflicting information such as different statuses, balances, or dates of last activity.

Unauthorized or Unrecognizable Accounts : At least one account listed does not belong to me and does not match any of my known credit activity. This raises serious concerns of misreporting or identity-related errors. 

Dispute Markings Without Resolution : Certain accounts are marked as dispute resolved consumer disagrees, but no documentation or explanation has been provided to substantiate the continued reporting. This violates my right to a fair and transparent dispute process. 

These unresolved inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished in a credit report must be accurate, complete, and verifiable. Continued reporting of unverifiable or inaccurate data without proper investigation constitutes willful noncompliance under 15 U.S.C. 1681i and 1681s-2 ( b ).

This ongoing situation is unfairly preventing me from qualifying for essential financial services, including housing, employment, and auto financing. I am requesting immediate deletion or correction of all unverifiable, inaccurate, or misleading information from my credit file in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NM

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
I am submitting this formal dispute to request the deletion of a fraudulent account that has been wrongly reported under my name. After carefully reviewing my credit report, I found an account that I neither opened nor authorized. This account is entirely unfamiliar to me, and I strongly believe it is the result of unauthorized or fraudulent activity.

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 2025-07-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
: Formal Demand for Proof of Authorization to Report Information on Behalf of Trust or Trustee To Whom It May Concern : I am writing as the living, natural person and rightful beneficiary of the [ XXXX XXXX XXXX XXXX XXXX ], a private trust estate. It has come to my attention that your agency is reporting information under the trust name, or associated identifiers without the expressed authorization or legal fiduciary appointment. 
DEMAND FOR PROOF OF LEGAL AUTHORITY I am formally demanding that your agency provide documented proof of authorization granting you or any data furnisher the right to report, collect, or associate any account, liability, or adverse item with this trust estate or under the authority of a trustee.

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 2025-07-28 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I kindly request that you review my account and consider reinstating my FICO score based on my recent actions. I already coordinated with both side 's customers services and advise me to send this cover letter. It happens that I can not view my Equifax report. This is my first encountering this kind of error, theres no error last month I refresh it to my Identity IQ credit monitoring account, this is why I'm hoping and reaching out to you to resolve this problem. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-07-28 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXXXX/XX/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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This letter serves as a formal dispute of a debt your company claims to own or collect on. I do not acknowledge this alleged debt as valid and demand strict proof of your authority to collect under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and Regulation F, 12 CFR 1006.

Pursuant to 12 CFR 1006.34 ( c ) and 1692g ( b ), I request the following : Complete validation of the alleged debt, including : A full itemization showing the original balance, interest, fees, payments, and credits ; The full name and address of the original creditor ; Date of default or charge-off. 

Proof of ownership and legal right to collect, including : A complete chain of title or assignment history from the original creditor to Springs Oak Capital ; Copies of purchase agreements, contracts of assignment, or bills of sale ; A copy of the original signed agreement or credit application that created the alleged obligation. 

Proof of proper debt notification in accordance with 12 CFR 1006.34 ( a ) including whether you sent a validation notice within five ( 5 ) days of your initial communication.

Absent this documentation, you are not legally authorized to pursue collection or credit reporting activities. Any continued attempt to collect without sufficient proof of ownership and authority will be deemed a willful violation of : 15 U.S.C. 1692e false or misleading representations ; 15 U.S.C. 1692f unfair or unconscionable means to collect a debt ; 12 CFR 1006.18 deceptive representations about legal status or authority.

Intent to Litigate If your office can not provide full validation and documentation within 15 business days, I will take legal action to : Seek declaratory relief that the debt is invalid or uncollectible, Pursue damages for violations of the FDCPA, Regulation F, and applicable state consumer protection statutes, Demand injunctive relief including tradeline deletion and cessation of collection.

In addition, I have preserved my right to compel arbitration or file a civil action in state or federal court as appropriate. You are hereby placed on notice that failure to comply may result in formal legal proceedings.

If no sufficient response is received, your silence will be treated as failure to validate, and I will proceed accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am submitting this complaint to formally place the Consumer Financial Protection Bureau on notice that my legal rights under the Fair Credit Reporting Act ( FCRA ) are being actively violated by TransUnion due to the reporting of materially inaccurate, unverifiable, and outdated information. 

On XX/XX/year>, I sent certified dispute letters to TRANSUNION challenging multiple violations surrounding the tradeline XXXXXXXX XXXX XXXX XXXX  ( Partial Account # XXXX ). This dispute includes allegations of : Inaccurate Date Last Active and Date Last Reported Improper use of furnishers unverifiable data Failure to meet maximum possible accuracy under 1681e ( b ) Ongoing dissemination of derogatory data without permissible purpose These are not minor disputesmy correspondence explicitly triggered legal obligations under : 1681i ( a ) : Right to full, documented reinvestigation 1681i ( a ) ( 6 ) ( B ) ( iii ) : Right to procedural disclosure 1681b : Furnishing restrictions without documentary authorization 1681e ( b ) : Duty to assure maximum possible accuracy I demanded a manual reinvestigation, submission of the original signed credit agreement, and documentary proof of compliance with all federal obligations. 

While the agencies have not responded yet ( the statutory XXXX period is still active ), I am filing this complaint preemptively for the record to ensure the CFPB is aware of : The pattern of FCRA violations involved in this tradeline My documented legal dispute letters My intent to pursue further federal action if the bureaus fail to comply fully and lawfully The information being reported is materially misleading, affecting my ability to secure housing, credit, and fair participation in financial systems. These damages are direct, real, and ongoing. I have enclosed supporting documentation to verify my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Sunset Management, Inc
State: GA

Complaint narrative:
Dear Sunset Finance, I am writing in response to your recent communication regarding my request for documentation related to the late payment reported to [ XXXX ] on my account [ Sunset Finance # XXXX # XXXX ]. Unfortunately, the materials you provided do not meet my original request. 
Specifically, you sent the following documents in response to my request : [ Statement ]. 
However, this documentation does not satisfy my request under 15 U.S. Code 1637 ( b ) and 15 U.S. Code 1666b. My original request asked for proof that the periodic statement was mailed or delivered to me at least 21 days prior to the payment due date and documentation showing that the statement met the legal requirements specified under 15 U.S. Code 1637 ( b ).

The documents you provided, such as [ Statements ], do not provide the necessary proof of compliance with the legal requirements for reporting a late payment. The [ Statements ] are insufficient to verify that the payment was reported accurately. 
To clarify, I am still requesting the following documents : 1. Proof of Compliance with 15 U.S. Code 1637 ( b ) : You must provide evidence that the periodic statement, containing all required information, was mailed or delivered to me at least 21 days before the payment due date.

2. Documentation Showing the Required Information in the Statement : I request a copy of the actual periodic statement ( s ) for the relevant months, showing the payment due date, statement date, and proof that it was mailed or delivered on time.

If you are unable to provide these specific documents, I insist that the inaccurate late payment entry be removed from my credit report immediately, as continued reporting without the required proof of compliance constitutes a violation of 15 U.S. Code 1681s-2 and other applicable laws.

Please be advised that I am requesting this information in accordance with 15 U.S. Code 1681s-2 ( b ) and 15 U.S. Code 1681i ( a ), which require you to respond to my dispute and provide the appropriate verification within 10 calendar days of this letter. Failure to do so will result in further l
egal action, including the pursuit of damages under 15 U.S. Code 1681n and 15 U.S. Code 1681o, as well as potential claims for defamation and violations under the Fair Debt Collection Practices Act ( FDCPA ). 
I expect your immediate compliance with my request and a response by XX/XX/year>. 
Sincerely, 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 2025-07-28 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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