vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: NJ

Complaint narrative:
Summary of the Complaint : I am submitting this complaint against TransUnion for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and misleading information regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account contains multiple XXXX XXXX compliance violations, legal inconsistencies, and materially incorrect data, which are adversely affecting the credit standing of XXXX XXXX XXXX XXXX. 

Details of XXXX : XXXX XXXX Reporting Errors Identified : XXXX. Date of Last Payment ( XX/XX/year> ) and Date of Activity ( XX/XX/year> ) are inconsistent and appear to manipulate the Date of First Delinquency ( DOFD ), extending the reporting timeline in violation of FCRA 605 ( c ) and XXXXXXXX XXXX XXXX XXXXXXXX. 
XXXX. The account is marked as closed on XX/XX/year> but still reflects a balance of {$4100.00}, inconsistent with a properly charged-off account. ( XXXX XXXX XXXX XXXX and XXXX ) XXXX. Account Type Discrepancy : TransUnion reports it as XXXX XXXX XXXX while XXXX reports it as XXXX XXXX, creating significant inconsistencies. ( FCRA 607 ( b ) ; XXXX XXXX XXXX XXXX ) XXXX. Missing Monthly Payment History, which violates the requirement to ensure maximum accuracy. ( FCRA 607 ( b ) ) Applicable Federal Law Violations : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 1 ) ( A ) / 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation FCRA 611 ( 5 ) Obligation to delete inaccurate or unverifiable data FCRA 623 ( a ) ( 1 ) ( A ) Reporting information with knowledge of its inaccuracy FCRA 623 ( b ) Failure to correct or delete inaccurate data upon dispute FCRA 605 ( a ) ( 4 ) Reporting derogatory information beyond 7 years of XXXX FCRA 609 ( a ) ( 1 ) / 15 U.S.C. 1681g Failure to provide complete consumer file GLBA ( 15 USC 6801 ( b ) ) Inadequate financial data protection UDAAP ( 12 USC 5531 ) Unfair or abusive conduct by manipulating account dates

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 2025-04-15 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 the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Name XXXX XXXX XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. 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 explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I initially believed the economy was my greatest concern, but after reviewing my credit report, it's clear that the inaccurate and misleading information listed there poses an even greater threat to my well-being. These errors are causing me significant emotional distress and financial setbacks. As a consumer, I have the right to an accurate credit report, and it is unacceptable that I am being penalized due to false data. The ongoing damage to my credit score is not only unjust but is also affecting my ability to access essential services and opportunities. I demand immediate correction of these inaccuracies and a full investigation into how they were allowed to persist.

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 2025-04-15 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I do not know what this debt is. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 explanation
Consumer complaint received 2025-04-15 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 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 explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 use 1681. the account below have violated my rights 15 use 1681 section 602 A .states I have the right to privacy .15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 use 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following item of information Any other adversed item of information, other than records of convictions of crimes with antedates the report by more than seven years.15 use 1681s-2 ( A ) ( a ) A person shall not furnish any information relating a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 's inaccurate 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: MOHELA
State: MO

Complaint narrative:
Was not informed that i needed to get this set up, then it hit my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I am writing to formally express my strong disagreement with the results of your recent investigation regarding the XXXX XXXX charge-off account ( Account Number : XXXX ) on my Experian credit report. 
I demand an immediate reinvestigation of this account under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that Experian reinvestigate disputed information within 30 days. If Capital One can not verify the accuracy of these charge-offs post-closure, the account must be deleted immediately under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ). Furthermore, Experians failure to ensure accurate reporting violates 15 U.S. Code 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy. The inconsistent reporting between Experian and TransUnion further demonstrates Experians negligence in this regard.

In accordance with the FCRA, Public Law 91-508, Title VI, Section 611, Subsections A-D ( 15 U.S. Code 1681i ), I demand the names, business addresses, and contact information of each individual at Capital One with whom Experian verified this information, as well as a detailed description of the verification methods used. Experians lack of transparency in the initial investigation is unacceptable, and I will not tolerate vague responses like the company certified the information. I also demand an updated credit report reflecting the corrections after your reinvestigation is complete.

Failure to comply with this request within 30 days will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action for willful noncompliance under 15 U.S. Code 1681n. As a credit repair expert, I am well-versed in my rights under the FCRA, and I expect Experian to rectify this matter promptly to avoid further escalation. The severe damage to my creditworthiness caused by these inaccuracies can not be overstated, and I insist on your immediate cooperation.

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 2025-04-15 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: MN

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX  XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX * * * * * * XXXX - XX/XX/XXXX - {$530.00} XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * XXXX - XX/XX/XXXX - {$250.00} XXXXXXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$730.00} XXXX XXXX XXXX  XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am 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 non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

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 2025-04-15 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: FL

Complaint narrative:
I have encountered difficulties accessing my [ Experian Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal legal demand for debt validation to Portfolio Recovery Associates , LLC ( PRA ) via email regarding an alleged XXXX debt ( Account ending in XXXX ). My request was made under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ) and required PRA to provide full documentation : a signed agreement, full account history, balance breakdown, proof of legal ownership, debt collection license, and the applicable statute of limitations. 

PRA responded by requesting my mailing address. I replied multiple times, citing FDCPA XXXXc ( a ) ( 1 ) and asserting my legal right to receive validation electronically. I clearly stated that mailing-only responses were unacceptable and that continued collection or reporting without validation would violate federal law. 

Instead of complying, PRA mailed me an investigation completed letter on XX/XX/XXXX, containing only a billing statement and a debt sale noticeneither of which satisfies FDCPA XXXX ( b ). No signed contract, no assignment chain, and no itemized accounting were provided. 

Despite failing to validate the debt, PRA continues to report the account to XXXX XXXX XXXX XXXX as an active derogatory tradeline. This conduct violates : FDCPA XXXX ( b ) : Failing to cease collection without validation FDCPA XXXXe ( 2 ) ( A ) : Misrepresenting the character or amount of the debt FDCPA XXXXe ( 8 ) : Reporting disputed information without acknowledging the dispute FDCPA XXXXf : Using unfair or unconscionable means to collect FDCPA XXXXc ( a ) ( 1 ) : Ignoring my preferred communication method FCRA XXXX ( a ) ( 1 ) ( A ) : Reporting unverifiable data FCRA XXXX ( a ) ( 3 ) : Failing to mark the tradeline as disputed FCRA XXXX ( b ) : Failing to conduct a reasonable reinvestigation Case law confirms that PRAs response does not satisfy debt validation standards. See : 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 ) PRA has failed to respond in good faith, continues to harm my credit, and has disregarded multiple federal protections granted to me as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
HI, I have had a BMO Alto Saving account ( XXXX ) since late XXXX XXXX. I do not have access to this account to verify the exact date. 
My main bank is XXXX XXXX XXXX ( XXXX ) and I had a savings account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was awarded {$270000.00} in a divorce settlement. I had the money wired to my XXXX checking account ( XXXX ) on XX/XX/XXXX. I then transferred {$200000.00} to a XXXX XXXX  savings account ( XXXX ) on XX/XX/XXXX. 

In XX/XX/XXXX, XXXXXXXX XXXX lowered the interest rate so I transferred {$160000.00} to my existing BMO Alto savings ( XXXX ) on XX/XX/XXXX. 

On XX/XX/XXXX BMO sent test deposits to my XXXXXXXX XXXX account to verify my account so I can transfer money between accounts. On XXXX this was completed and verified by BMO. 

XX/XX/XXXX I transferred {$160000.00} from XXXX XXXX XXXX XXXX XXXX to BMO ( XXXX ) XX/XX/XXXX I received ask email stating my account is frozen due to a fraud alert. 

XX/XX/XXXX I spoke with BMO and was asked to send documents proving I own the 3 different accounts. I sent a XXXX statement showing wire transfer in of {$270000.00}, a statement showing the transfer from XXXX ( XXXX ) to XXXXXXXX XXXX XXXX  XXXX ) for {$200000.00}. A statement showing transfers from XXXX ( XXXX ) to BMO ( XXXX ) and a transaction log showing the transfer of {$160000.00} from XXXX XXXX  ( XXXX ) to BMO ( XXXX ) The monthly statement hadn't generated yet, the statements for XXXXXXXX XXXX XXXX XXXXXXXX ) generate on XX/XX/XXXX. I was later asked for this statement and a copy of my drivers license. I sent drivers license on XX/XX/XXXX, and the statement from XXXXXXXX XXXX  showing the transfer of {$160000.00} on XX/XX/XXXX ( generated XX/XX/XXXX ) I did receive an email on XX/XX/XXXX noting the relationship between BMO and myself was ended even though I advised BMO the statement they were looking for would be generated on XX/XX/XXXX and XXXX Bank sent it to me on XX/XX/XXXX and I sent it to BMO on XX/XX/XXXX. 

I have asked to speak with a supervisor multiple times, with the last time being XX/XX/XXXX, but I was denied every time I asked. 

I have been told by BMO fraud dept that my money was transferred back to XXXX XXXX to then find out it had not been transferred. I have been told all documents were received, then a week later BMO would ask for something else. I have complied with all demands. I appreciate the diligence in preventing fraud, but at this point it is very clear the money does belong to me. 

I have provided all required documents showing all XXXX accounts belong to me, yet BMO Alto is refusing to send me my over {$160000.00}. 

I am in financial hardship and need my money to catch up, please help 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 2025-04-15 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. CXXXX XXXXe ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. CXXXX XXXXi ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-15 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. CXXXX XXXXe ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. CXXXX XXXXi ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief