vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
The following items are fraudulent and were never authorized by me. I have reported the theft to the FTC and submitted an Identity Theft Report, along with all required documentation. The continued reporting of these items violates the FCRA, specifically Section 605B, which mandates that credit bureaus block identity theft-related information. No signed contracts or valid documentation have been provided. Remove these accounts from my file at once. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX Reference # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Specifically 15 U.S Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file Disputed Account Information : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC1681i ( a ) ( 1 ) ( A ), once dispute is filed, you are legally obligated to conduct a full and proper investigation. Any item that can not be verified with complete accuracy must be deleted from the consumers credit file within 30 days.

I am exercising this right and demanding strict compliance.

Additionally 15 USC 1681i ( a ) ( 5 ) ( A ) states that Any disputed item that can not be verified must be deleted from the file the consumer Let me be Clear : Unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract with a wet signature as verification. Anything less is legally insufficient evidence under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), If the furnisher fails verify the account with the original contract you are required to delete this account immediately.

YOU ARE HEREBY PUT ON NOTICE : - [ ] You have 30 days from the receipt of this letter to complete a lawful investigation.

- [ ] If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

- [ ] Failure to comply will result in formal complaints being filed with the Consumer Federal Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

- [ ] I am also prepared to pursue cilvil litagatioubder 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court cost may be imposed.

I expect this matter to be handled with the UTMOST URGENCY and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Account Reporting Request for Investigation Dear Experian, Transunion, Equifax Representative, I am writing to formally dispute inaccurate information that appears on my credit report. Below are the details of the account in question : Creditor/Account Holder : XXXX XXXX XXXXXXXX XXXX Account Type : Lease Account Status : Closed Account Number : XXXX, XXXX, Date Closed : XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is reporting as being XXXX days late, with a prolonged late payment history. I believe this information is inaccurate, incomplete, or can not be properly verified. Specifically, I am concerned with the following : 1. The account is reporting a XXXX days late status after the account was closed.

2. The payment history reflects continuous late payments, but there are inconsistencies in the reporting that require verification.

3. The record of XX/XX/XXXX under XXXX XXXX days late appears to be erroneous, as it does not correspond with the accounts timeline. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate this account and provide proper verification. If the information can not be verified or is found to be inaccurate, I request that it be corrected or removed from my credit report. 

Please send me written confirmation of the results of your investigation. I have attached a copy of my government-issued identification and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Account Reporting Request for Investigation Dear Experian, Transunion, Equifax Representative, I am writing to formally dispute inaccurate information that appears on my credit report. Below are the details of the account in question : Creditor/Account Holder : XXXX XXXX XXXXXXXX XXXX Account Type : Lease Account Status : Closed Account Number : XXXX, XXXX, Date Closed : XX/XX/XXXX Upon reviewing my credit report, I noticed that this account is reporting as being XXXX days late, with a prolonged late payment history. I believe this information is inaccurate, incomplete, or can not be properly verified. Specifically, I am concerned with the following : 1. The account is reporting a XXXX days late status after the account was closed.

2. The payment history reflects continuous late payments, but there are inconsistencies in the reporting that require verification.

3. The record of XX/XX/XXXX under XXXX XXXX days late appears to be erroneous, as it does not correspond with the accounts timeline. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you investigate this account and provide proper verification. If the information can not be verified or is found to be inaccurate, I request that it be corrected or removed from my credit report. 

Please send me written confirmation of the results of your investigation. I have attached a copy of my government-issued identification and a recent utility bill to verify my identity. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance Owed : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
XX/XX/year> Recently, I received my credit report from your company. After reviewing it I found that the information you providing on some items contains not only Invalid and incomplete information, but both inaccurate and incorrect information as well.

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. I attempted to contact the below creditor listed below and received NO response to my request. As per federal law and the FDCPA, regulation under following 15U.S.C. 1792 et seq. 15 U.S.C. 1682g, Validation of Debts, creditors are required to provided this information within 30 days upon request or release the invalidated debt information from my credit report. I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item listed on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Type : Revolving - Account XXXX XXXXXXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provided any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This account was charged off on the following date XX/XX/year>. Since then, the account has repeatedly been updated as charged off every month. This is an update to the payment history. A charged-off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly, and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
What happened? 
I made a {$200.00} payment to my XXXX XXXX XXXXXXXX ( issued by Barclays Bank Delaware ) on Sunday, XX/XX/year>, using the correct online payment method. Despite this being nearly a full business week before the XX/XX/XXXX XXXX, Barclays informed me that the funds will not be credited or made available until XX/XX/year> a full 8 days later. 

This delay violates Regulation Z of the Truth in Lending Act ( 12 CFR 1026.10 ), which requires that credit card issuers credit payments the day they are received, or by the next business day if received after the cutoff or on a weekend. 

There is no reasonable justification for an XXXX delay. At most, funds should be made available by Wednesday, XX/XX/year> 4 days after payment, and before the holiday weekend. 

This delay may prevent me from using my available credit to shop during XXXXXXXX XXXX XXXXXXXX sales and promotions, which defeats the purpose of timely payment. It also raises the risk of unfair late fees, interest, or credit impact. 

I am requesting the CFPB ensure Barclays : Properly credits my payment and makes the funds available by XX/XX/year> Removes or prevents any late fees, interest charges, or negative credit impact Provides a clear explanation for the unreasonable delay in payment processing Company Name : Barclays Bank Delaware Product : Credit card or prepaid card Sub-product : Store credit card XXXX XXXX XXXXXXXX Issue : Payment not credited or posted in time

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 monetary relief
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I am writing to inform you that I have recently become a victim of identity theft I discovered this when I seen my credit report I seen fraudulent loans on my account that I did not initiate to help resolve the issue. I am providing the following my social security card & my ID with a ID THEFT 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 2025-07-03 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: PA

Complaint narrative:
I am writing to inform you that I have recently become a victim of identity theft I discovered this when I seen my credit report I seen fraudulent loans on my account that I did not initiate to help resolve the issue. I am providing the following my social security card & my ID with a ID THEFT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : CBE Group XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Immediate Deletion Demand for Account # XXXX {$180.00} To Whom It May Concern, I am formally disputing the collection account your agency is reporting under account number # XXXX, for the amount of {$180.00}. This account is inaccurate, unverified, and possibly time-barred based on Illinois state law. Therefore, you must immediately remove this account from any and all consumer reporting agencies. 

LEGAL DEMAND FOR PROOF OF OWNERSHIP AND VALIDATION Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request full and complete validation, not just verification. This includes : A copy of the original signed contract that legally obligates me to this debt A detailed payment history showing how the balance was calculated A bill of sale or assignment agreement showing your legal right to collect on this account A complete chain of title from the original creditor to your company The exact date of first delinquency to confirm if this debt is legally collectible under Illinois law According to 735 ILCS 5/13-205, the statute of limitations on most consumer debts in Illinois is 5 years. If the date of delinquency exceeds this limit, the debt is time-barred, and you are legally prohibited from collecting or reporting it.

Unless you can fully validate this account with proper legal documentation, you are in direct violation of the following laws : FCRA 609 ( a ) ( 1 ) Right to full file disclosure FCRA 611 Requirement to investigate and delete unverifiable items FCRA 623 Duty of accurate reporting FDCPA 809 ( b ) Validation of debts 15 U.S.C. 1681s-2 ( b ) Responsibility of furnishers to correct inaccurate information Generic documents, statements, or screenshots do not meet the legal standard of validation. If you can not produce the documentation listed above, the law requires immediate deletion of this account from all consumer credit reports. 

FINAL WARNING 15 DAYS TO COMPLY You have 15 days from the date of this letter to : Fully validate this debt with the required documentation Delete this account from all credit reporting agencies if validation can not be provided If you fail to comply, I will take the following actions without further notice : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Report your violations to the Federal Trade Commission ( FTC ) and Illinois Attorney General Initiate legal proceedings for FCRA and FDCPA violations, defamation, and emotional distress This is not a requestit is a legal demand. Comply immediately or be prepared to face consequences. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom it may concern : I am writing to you to dispute the status of multiple credit card accounts listed in the attached affidavit. The information is inaccurate because of identity theft. Please see attached affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Im filing a complaint against Navy Federal Credit Union for XXXX unresolved issues : 1. Transaction Date Manipulation I made XXXX separate payments on different days from my Navy Federal checking account : XXXX : {$370.00} paid & posted XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$40.00} paid on XX/XX/XXXX, posted XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$40.00} paid & posted XX/XX/XXXX However, Navy Federal processed all three transactions as occurring on XX/XX/XXXX, despite each merchant confirming earlier posting dates. This creates a false record of my spending and impacts my ability to manage finances.

Navy Federal did not provide transaction logs or justification. Their response simply claimed " ACH payments take time to post, '' even though that does not explain why multiple, unrelated payments from different days were all grouped under one later date.

2. Financial Hardship Dismissed I also requested financial hardship assistance, as I owe over {$33000.00} across a personal loan and Platinum credit card with minimum monthly payments totaling nearly {$1000.00}. Navy Federal referred me to a third-party counseling service but did not offer or discuss any real hardship options for my active accounts. 

I am requesting : A full investigation into transaction date handling A correction of the XX/XX/XXXX processing entries to reflect the true payment dates Entry into an actual hardship or restructuring program for my loan and credit card Reimbursement of any fees or interest caused by these manipulations A full written response from Navy Federal, including timestamps and settlement logs

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation