vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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've recently received a copy of my credit repot and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. these remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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've recently received a copy of my credit repot and noticed several inaccuracies and unauthorized accounts/Information reporting to my credit report. these remarks have been detrimental to my life and credit health

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 2025-05-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Subject : Formal Demand for Immediate Removal of Invalid Debt Reporting To Whom It May Concern, This letter serves as a formal dispute and final demand for the immediate removal of the alleged debt you are attempting to collect and/or report, which I have already disputed.

You recently responded by providing what you claim is the original agreement. However, the mere existence of an old agreement does not establish a current, enforceable obligation. This debt is no longer valid or legally enforceable, and your continued attempts to collect or report it are a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Let me be explicitly clear : I do not owe this debt, and I dispute any and all claims of liability.

You have no legal grounds to continue collection or furnish information to any credit reporting agency.

Providing an outdated agreement does not satisfy full debt validation as required under 15 U.S.C. 1692g and 12 CFR 1006.34.

If you are unable to produce proof of an active obligation, along with a clear chain of title and legal enforceability, you are required to cease all collection activity and remove all references from credit reporting agencies immediately.

I am placing your company on notice that any further attempt to collect on this invalid debt, or any continued reporting to consumer credit bureaus, will result in immediate legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, and I will pursue all available remedies under state and federal law.

Demand for Immediate Action : 1. Cease and desist all collection activity relating to this invalid debt.

2. Delete all negative tradelines and references to this debt from any credit bureau to which it has been reported.

3. Provide written confirmation within 10 business days that this account has been closed, all data has been removed from credit reporting agencies, and no further collection efforts will occur.

Failure to comply will result in escalation and legal recourse. This is your final opportunity to resolve this matter before formal action is taken. 

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 2025-05-22 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
I checked my credit report and saw accounts reporting that I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate : ( XXXX  ) Account name : ComenityCapitalBank Account number XXXX XXXX Account name : XXXX Account number XXXX XXXX  Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
Subject : Request for Removal of Adverse Information Under FCRA 605C ( XXXX XXXX ) To Whom It May Concern, I am writing to formally request the removal of adverse information on my credit report that resulted from my experience as a victim of XXXX XXXX, in accordance with Section 605C of the Fair Credit Reporting Act ( FCRA ).

This section, established under the Debt Bondage Repair Act, requires consumer reporting agencies to block and remove any information furnished by a trafficker or that resulted from XXXX  activity once a valid request has been submitted. 

I am requesting the deletion of the following item ( XXXX ) from my credit report : The disputed accounts and inquiries is attached to my documents. 


XXXX  Documentation A determination from a federal, state, or tribal governmental entity or court indicating that I am a victim of XXXX. 
Documentation from a non-governmental organization or human XXXX  XXXX XXXX authorized to make such a determination. 
A XXXX of the Specific Adverse Information Attached is my signed statement identifying the specific accounts and tradelines that resulted from XXXX-related activity and should be removed. 
Please treat this request with the urgency and confidentiality it demands. Under federal law, you are obligated to block and delete the identified items and provide confirmation of this action. 

I request a written response within 4 days confirming the deletion of the information in question. Should you need any additional information to complete this process, please notify me promptly in writing. 

Thank you for your attention to this urgent matter. 

Sincerely,

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 2025-05-22 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: DE

Complaint narrative:
I am disputing a charge-off account from [ Name of Creditor ] that is still being reported on my credit file. According to Delaware law ( 10 Del. C. 8106 ( a ) ), the statute of limitations for collection of a written debt is 3 years from the date of default or last activity. My records show no activity or payments since [ insert month/year ]. Therefore, this account is time-barred and should not be reported or collected.

Additionally, under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), credit information must be accurate and verifiable. If the furnisher can not provide documentation of the accounts last payment and legal enforceability, the reporting should be deleted. I request this account be removed or corrected immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I

am disputing a charge-off account from [ Name of Creditor ] that is still being reported on my credit file. According to Delaware law ( 10 Del. C. 8106 ( a ) ), the statute of limitations for collection of a written debt is 3 years from the date of default or last activity. My records show no activity or payments since [ insert month/year ]. Therefore, this account is time-barred and should not be reported or collected. Additionally, under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i ), credit information must be accurate and verifiable. If the furnisher can not provide documentation of the accounts last payment and legal enforceability, the reporting should be deleted. I request this account be removed or corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information thats on my credit report. I disputed multiple times with credit bureaus and its coming back as updated and verified without a proper investigation. And if they do investigate Im unable to see the results of the dispute which defeats the purpose

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 2025-05-22 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: GA

Complaint narrative:
Over the past four months, I have disputed the reporting of a charged-off XXXX XXXX XXXX XXXX XXXX with XXXX XXXX, and Experian. Despite submitting three separate rounds of formal disputes directly to all three credit bureaus and to XXXX, the account continues to be reported with major inaccuracies that have not been corrected. Key dates and actions : Account charged off : Previously reported by XXXX XXXX XXXX, open date XX/XX/XXXX. Dispute letters sent : Three rounds between XXXX and XX/XX/XXXX to all credit bureaus and XXXX, each time citing specific errors. Company and bureau responses : All responded with Dispute Resolved Consumer Disagrees, but no corrections or deletions have been made. Ongoing inaccuracies include : Inconsistent Last Activity Dates : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Each bureau lists a different date of last activity for the same account, which is a violation of the Fair Credit Reporting Act ( FCRA ) requirement for consistent and accurate data. Balance Exceeds High Credit Limit : All three bureaus report a current balance of {$16000.00}, while the highest balance reported is only {$15000.00}. It is mathematically impossible for the charge-off balance to exceed the highest balance unless fees are itemized, which they are not. This discrepancy has been repeatedly brought to their attention and not resolved. Conflicting Payment Histories : Experian reports a mix of on-time payments, several late payments, and charge-offs. XXXX shows 40 consecutive months of charge-offs. TransUnion shows a charge-off with no late payments or payment history at all ( XXXX ). The three credit bureaus display entirely different payment histories for the same loan, violating the FCRAs accuracy and consistency requirements. Disputes Marked Resolved Consumer Disagrees : Each bureau and XXXX responded to my disputes with this remark, yet continue to report the same inaccurate and inconsistent information without correction. Because prior investigations have already been completed and the errors remain, this constitutes willful noncompliance and a continued violation of the FCRA. Impact : These repeated reporting errors and failures to correct have caused substantial harm, including denial of new credit and inability to qualify for a mortgage, despite my proactive efforts to resolve the issue. The continued reporting of verifiably false information has resulted in ongoing financial and emotional distress. I am requesting immediate deletion of this account from all three credit bureaus.

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 2025-05-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
According to XXXX, at XXXX XXXX XXXX, the paid settlement account would be removed XX/XX/year>. XXXX XXXX recently emailed me a credit offer, but didnt remove the XXXX XXXX  account from my Experian, TransUnion , and Equifax credit reports as agreed.

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 2025-05-22 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: MD

Complaint narrative:
According to XXXX, at XXXX XXXX XXXX, the paid settlement account would be removed XX/XX/year>. XXXX XXXX recently emailed me a credit offer, but didnt remove the XXXX XXXX  account from my Experian, TransUnion , and Equifax credit reports as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
After several delayed and canceled flights, I was forced to stay in a hotel that was supposed to be paid for by the airlines because it was their fault. After providing my card for room incidental fees, the entire room cost was charged to my card. I reached out to the airlines and the hotel because this was supposed to be paid by the airline company. After 77 days of lack of response and getting the run around, I called my bank because the hotel fee was never to be paid by me. After explaining the situation to the bank, they initially refunded my account the cost. Then they received documents from the hotel showing me staying, which I never disagreed with, and then reversed the claim taking the funds out of my account. After reaching out to their executive office, I provided them with the correspondence with the airlines, showed the website showing the hotel partners with the airlines and the services booked using the airlines website, but they still refused to reverse the charges despite the charge being fraudulent. I never allowed the hotel to charge the full cost of the room to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-05-22 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:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief