vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
Despite my previous requests, the fraudulent information on my credit file remains uncorrected. This ongoing failure to remove inaccurate data is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 605.

I have already provided the necessary supporting documents and am resubmitting them for your review. Your continued inaction leaves me no choice but to escalate this matter. If this issue is not resolved immediately, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, my attorney is prepared to take legal action to enforce my rights under federal law. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
Despite my previous requests, the fraudulent information on my credit file remains uncorrected. This ongoing failure to remove inaccurate data is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 605.

I have already provided the necessary supporting documents and am resubmitting them for your review. Your continued inaction leaves me no choice but to escalate this matter. If this issue is not resolved immediately, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, my attorney is prepared to take legal action to enforce my rights under federal law. 
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 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 explanation
Consumer complaint received 2025-03-25 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: PA

Complaint narrative:
I am submitting this formal complaint regarding a Flagship Credit Acceptance account ( Auto Loan ) listed as charged off with a remaining balance of {$7500.00}, original balance {$19000.00}, and a written-off amount of {$14000.00}, across XXXX, XXXX, and TransUnion. 
THE VIOLATIONS : 1. FCRA 602 & 623 Inaccurate and Re-aged Reporting The account shows a charge-off in XXXX, yet it is still being updated and reported as past due in XXXX. 
This is a blatant re-aging violation, artificially damaging my credit profile and extending the derogatory period illegally. 
2. FCRA 611 ( a ) ( 1 ) ( A ) Failure to Verify the Debt Flagship Credit Acceptance has not provided : The original signed contract ( wet signature ) Complete payment history Legal validation or ownership Under the Fair Credit Reporting Act, failure to verify must result in permanent deletion.

3. FDCPA 807 Misrepresentation Reporting a charged-off account as still having a past due balance is a deceptive practice.

Once charged off, no further past due amounts can legally accrue unless a new agreement was signed.

4. FDCPA 809 ( b ) Validation Failure This debt has not been validated in writing. No documents proving legal standing, itemization, or contractual agreement were produced.

IRS VIOLATION IRC 6050P / IRS Publication 4681 According to IRS Code 6050P and IRS Pub. 4681, when a cr
editor charges off {$600.00} or more and writes it off as a loss, it is typically reported to the IRS via Form 1099-C and considered canceled debt income for the borrower. 
XXXX XXXX charged off {$14000.00}, they were required to report it to the IRS and can not continue to collect or report it as past due. That is double-dippingcollecting on a debt while taking a tax write-off on it. 
**If this was reported to the IRS XXXX then the debt was legally canceled and can not be pursued further. 
**If this was not reported to the IRS , Flagship is in VIOLATION of IRS code and FCRA simultaneously. 
**Either way, XXXX can not have it both wayseither its collectible, or its been written off and closed. The current credit reporting violates federal tax law and credit law simultaneously. 
If not resolved within 15 days, I will : File complaints with the IRS Office of Whistleblower Contact the FTC, Attorney General, and private legal counsel Pursue a civil suit under the Fair Credit Reporting Act and FDCPA for damages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX : {$340.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX Balance : {$8900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$8900.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX : {$3900.00} XXXX XXXX XXXX XXXX : {$340.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX Balance : {$8900.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$8900.00} XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/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 explanation
Consumer complaint received 2025-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I reached out to the companies lets list it as hard inquiries. They told me to take it up with the credit bureau. I tried to get them erased and removed from my credit bureau. They told me they should fall off within a few years. I dont believe that thats fair if I did not make the inquiries and I dont even recognize the companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
have disputed the XXXX account # XXXX with TransUnion on two separate occasions. Despite my formal requests under 15 U.S.C. 1681i ( a ) ( 7 ), TransUnion failed to provide a detailed description of the reinvestigation procedures. The account remains on my report with conflicting and materially inaccurate data compared to XXXX and XXXX. The account has also been assigned to two separate third-party collectorsDiversified Adjustment Service , Inc. and Credit Control , LLCwithout proper validation. Furthermore, I submitted an FTC Identity Theft Report (
No. XXXX  ) under 15 U.S.C. 1681c-2 ( a ) due to the accounts unverifiable, inaccurate, and harmful nature. TransUnion has failed to comply with its duties under 1681e ( b ), 1681i ( 5 ), 1681s-2 ( b ), and has violated my rights under federal consumer protection law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Good day! 

I would like to report my credit card from CITI Bank. I did apply for new card XX/XX/year>. Unfortunately, they send the card and waited for 7 business days and was told that the mail was delivered to a different address. I requested for a new card as replacement and waited for another 7-10 business days yet didn't received any card. Requested for another replacement card for the 3rd time and received it XX/XX/year>. 

I was able to activate, access my account and able to have it stored to my apple pay on that exact same day. I made a transaction after the activation of the card and got fraud alert from the app and declined my transaction. Called the customer service and was informed that I needed to verify the transaction using a code they sent thru mail and needed to wait for 7-10 business days as what they claimed. I did received a letter dated XX/XX/XXXX but there is no reference code. I was informed again that I needed to wait another 5-7 business days in order for me to give them the reference code but still no mail received. 

I am having hard time communicating with CITI bank as customer service are off shore, they are not aware of the current situation and keep letting me know to wait the mail but mail keep loosing. CITI bank keeps delaying me of having access to my account. 

Also, I applied for this card as they advertised XXXX thank you points if you spent XXXX within 3 months of applying. Unfortunately, i can not use the card and this XXXX timeframe will end XX/XX/year> which I dont have enough time to spend the XXXX threshold, at the same time, still I can not use the card since it got blocked from there system. This card contains an annual fee but no one from the customer service know how to fix my concern. They keep insisting on WAITING FOR THE REFERENCE CODE FROM THE MAIL which I am not receiving. 


I am asking for assistance in order for me to use the card and access my account. Here is my information XXXX XXXX XXXX XXXX XXXX XXXX I can verify and provide necessary information in order for me to access my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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:
Subject : Formal Dispute and Demand for Permanent Deletion of Inaccurate Accounts To Whom It May Concern, I am writing to formally dispute and demand the permanent deletion of the following accounts from my Experian credit report due to violations of my consumer rights under federal law : XXXX XXXX - XXXX Bank - Acct. No. : XXXX - {$750.00} XXXX XXXX XXXX XXXX Acct. No. : XXXX - {$700.00} XXXX XXXX XXXX XXXX Acct. No. : XXXX - {$1100.00} XXXX XXXXXXXX XXXX XXXX  XXXX Acct. No. : XXXX - {$400.00} XXXX XXXX XXXX - Acct. No. : XXXX - {$3100.00} XXXX XXXX XXXX - Acct. No. : XXXX - {$720.00} Under 31 U.S.C. 5118, legal tender laws protect my right to demand accuracy in financial transactions. These accounts are inaccurately reported, and their continued presence on my credit report constitutes an infringement on my consumer rights.

Additionally, 15 U.S.C. 6802 establishes my right to financial privacy. The reporting of these accounts without my express consent is a violation of this statute. Furthermore, under UCC-3 104, improper negotiable instrument handling applies to these accounts, warranting their deletion.

Pursuant to 15 U.S.C. 1681e ( b ), Experian is required to ensure the maximum possible accuracy of information contained within my credit report. Since these accounts are inaccurate, unverifiable, and disputed, I demand their immediate and permanent deletion.

Moreover, under 15 U.S.C. 1681i ( a ), if Experian can not verify the accuracy of these accounts within the legally required timeframe, it is required to remove them from my credit file. I request that you provide me with a detailed description of the verification methods used, as well as the names and contact information of the entities that verified this information. 

Please conduct this reinvestigation promptly and provide a written response within 30 days, as required by law. I have attached a copy of my credit report with the disputed accounts highlighted, along with any supporting documentation.

Failure to comply with my request and continued reporting of inaccurate information may result in legal action to enforce my rights under federal consumer protection laws. 

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 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: NJ

Complaint narrative:
This is my several requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance {$XXXX} XXXX XXXX**** Balance {$XXXX} XXXX XXXX XXXX  XXXX Balance {$XXXX} XXXX  XXXX Balance {$XXXX} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Olympus1 LLC
State: FL

Complaint narrative:
I believe I was mis charged in fees. The prior complaint did not itemize the fees based on the specific 25 % they mentioned on the settlement amount. 

I want this itemization per account and itemized line per line and totaled up. 

I want this matched based on the agreement. 

XXXX

Company response to consumer: Closed with explanation