vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint against Service Finance Company , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I submitted a registered security and an endorsed copy of the contract as full payment for an HVAC installation under account # XXXX. XXXX XXXX received and retained this presentment on XX/XX/XXXX, but did not acknowledge, return, or apply the payment, in violation of UCC 3-603 ( Tender of Payment ). 
Following this, I submitted a formal debt validation request on XX/XX/XXXX, which was received on XX/XX/XXXX, via certified mail. This letter demanded verification of the debt under XXXX XXXX. XXXX ( b ), including an affidavit by a fact witness and a full accounting. Service Finance failed to respond appropriately and sent a generic packet of documents that did not meet validation requirements. A similar response was received again after I issued a Notice of Fault and Opportunity to Cure ( XX/XX/XXXX, received XX/XX/XXXX ) and a Notice of Default ( XX/XX/XXXX, received XX/XX/XXXX ). 
To date, Service Finance has failed to validate the debt in accordance with law and continues to report the account to credit bureaus as a mortgage, despite the absence of a recorded lien or deed of trust and a dispute on file. This conduct constitutes continued collection activity without proper validation, which is a violation of FDCPA and FCRA regulations.

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 2025-03-28 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: GA

Complaint narrative:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX {$22000.0XXXX XXXX XXXX XXXXXXXX {$25000.00}

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 2025-03-28 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-03-28 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: GA

Complaint narrative:
I have disputed the account information regarding XXXX XXXX XXXX multiple times, and despite providing evidence that this account is inaccurate, Equifax has continued to falsely report it. All other credit bureaus have removed this account from my credit report, but Equifax refuses to update it. The response provided by Equifax was generic and failed to address the specific issues I raised. Additionally, they have not provided the necessary information to verify the accuracy of this account. I have seen numerous complaints on social media about Equifax 's incompetence and unprofessionalism in reporting false items and refusing to remove them. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting, and Equifax 's failure to remove this erroneous information is a violation of this law. I request immediate removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding the removal of inaccurate information from my credit report. These entries are clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). Under Section 607 ( b ), credit reporting agencies are required to maintain maximum possible accuracy, and these errors blatantly fail to meet that standard. I expect an immediate investigation and correction of these inaccuracies.

Moreover, under Section 609 ( a ) ( 1 ), I am entitled to obtain verifiable documentation about the source of this erroneous information. I expect this to be provided without delay. If you do not reinvestigate the disputed items within 30 days, as required under Section 611 ( a ) ( 1 ), further action will be pursued. 

Failure to correct these errors will result in legal action. This correction is not just an obligation, its necessary to prevent further harm to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately. Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit reporting agency to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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 2025-03-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-03-28 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: NJ

Complaint narrative:
I am writing this complaint about TransUnion 's out-of-control and repeated negligence in mishandling my consumer reports. I have been blocked from accessing my customer credit monitoring subscription online, experiencing extremely long loading screens that ultimately lead nowhere.

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 2025-03-28 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am demanding the complete deletion of all inaccurate, unverifiable, and improperly reported accounts from my credit file. This includes auto loans approved in a 13-day span ( XXXX XXXX XXXX ) totaling over {$300000.00}, which reflect reckless and deceptive lending practices and violate FCRA 1681e ( b ), 611, 623, and ECOA 1691. 

I lawfully disputed these accounts and requested validation through certified mail, legal notices, and arbitration filings. No company has provided original documentation, underwriting records, or Metro 2-compliant validation as required by law. 

Additionally, several XXXX XXXX accounts are showing as duplicate charge-offs with inconsistent balances and statuses across different credit bureaus, in violation of FCRA 605 and Metro 2 guidelines. 

XXXX XXXX XXXX XXXX XXXX tradeline is showing Paid as Agreed while also listing a Charge-Off and Past Due balance which are conflicting and inaccurate under Metro 2 and FCRA. 

Despite providing more than sufficient documentation, these inaccurate accounts are still being reported. I have also initiated XXXX XXXX, submitted legal motions in Georgia ( XXXX and XXXX ), and documented every step taken to resolve this legally. 

This situation is causing ongoing financial harm, suppression of my credit score, and illegal damage to my consumer profile. I am now requesting full intervention from the CFPB to enforce federal law and ensure accurate and fair 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 explanation
Consumer complaint received 2025-03-28 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: VT

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-03-28 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Equifax is continually violating me and ignoring my disputes. I have been trying to dispute this account for several months. Equifax has sent me a few letters stating that I disputed it in the last 90 days, and nothing has changed. This is simply not true. This account is either not reported on other credit bureaus or they removed it. I will NOT just allow Equifax to violate me time and time again, this is unacceptable. I am disputing this account again.

For context, I KNOW that you have to have personal information to verify accounts that are in dispute. So, I did my research with the other 2 bureaus and also called in to Equifax as well. This account doesn't even have my address attached to it. It has an address in a completely different state! So I know this account is inaccurate and unverifiable, which is grounds for removal.

DO NOT SEND ME ANOTHER LETTER STATING THAT I DISPUTED IN THE LAST 90 DAYS OR A STALL LETTER STATING THAT I AM A CREDIT REPAIR SYSTEM. I AM THE ONE TYPING THIS FREAKING STATEMENT RIGHT NOW!!!

REMOVE THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Imperial Recovery Consultants, LLC
State: GA

Complaint narrative:
Request to Publish My Experience with Inaccurate Credit Reporting** To Whom It May Concern, I am writing to formally request the publication of my experience involving inaccurate credit reporting, with the hope of providing insight to others in a similar predicament. 

**Background** : I submitted a formal complaint regarding inaccuracies in my credit report to the three major credit reporting agencies, specifically XXXX, XXXX, and XXXX. Despite my efforts to resolve these discrepancies, including sending a certified letter several months ago, I have yet to receive a substantive response or resolution from these agencies. 

**Legal Basis** : This situation involves significant violations of my rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. The FCRA mandates that consumers have the right to dispute inaccurate information in their credit reports. Specifically, 15 U.S.C. 1681i requires that credit reporting agencies conduct a reasonable investigation of any disputes. The lack of acknowledgment and response to my complaint raises serious concerns about compliance with these legal obligations. 

**Consent for Publication** : I understand that the Consumer Financial Protection Bureau ( CFPB ) will take necessary steps to redact my personal information prior to publication. I hereby consent to the publication of this description on consumerfinance.gov to aid in raising awareness about the potential issues consumers face with credit reporting inaccuracies and the critical need for accountability among credit reporting agencies. 

I appreciate your attention to this matter and trust that my experience will contribute to a broader understanding of consumer rights in the realm of credit reporting. 

Thank you for considering my request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response