vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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:
WILLFUL NON COMPLIANCE AND METHOD OF VERIFICATION REQUEST I am sending this notice because the accounts I previously disputed remain on my credit file without any proof of verification. You did not provide a method of verification as required and you continued to report information that has not been confirmed for accuracy. This failure places you in direct violation of the Fair Credit Reporting Act.

Under 15 USC 1681i you must complete a reasonable reinvestigation and you must provide the method you used to verify disputed data when a consumer requests it. I asked for that information and you did not provide the name of the verifier the address of the verifier or any documentation used to confirm that these accounts belong to me.

I am again requesting the full method of verification under 15 USC 1681i a 7. This includes The full name and mailing address of the party who verified the accounts A detailed explanation of the process used to verify the data Copies of the records used to confirm the accuracy of the reporting including any contracts account level documents or system logs You also have reporting duties under 15 USC 1681s2. If a furnisher can not certify the accuracy and completeness of reported data they must stop reporting it. Continuing to report unverified information violates federal law and places you in willful non compliance under 15 USC 1681n.

These accounts also show Metro2 inconsistencies that were never addressed during your reinvestigation. Missing fields mismatched data and unverifiable assignment details indicate that these accounts can not be validated at the file level. Accuracy and completeness are both required under the FCRA. 

Because no verification has been provided and the accounts remain uncorrected you must delete the following from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not provide the full verification requested within XXXX days I will file complaints with the Consumer Financial Protection Bureau the Federal Trade Commission and my State Attorneys Office for willful non compliance with federal law. I will also seek damages as provided under 1681n for your failure to correct inaccurate data after notice.

This is a final request for correction and removal.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Follow up on original complaint XXXX XX/XX/XXXX : I received an email from XXXX XXXX XXXX stating that Bank of America placed the account with them for collection. 
XX/XX/XXXX : Bank of America submitted their CFPB response. 

This means BOA was actively assigning and collecting the debt prior to responding, yet continues to report : The account as closed The account as charged-off New delinquencies through XXXX, XXXX, and XXXX A last payment date inconsistent with the charge-off date Utilization on a closed account Because the collection activity began before BOAs CFPB response, BOA was fully aware the account was in active collection and still reported it inaccurately.

This further supports my request for deletion or full correction under : FCRA 607 ( b ) ( maximum possible accuracy ) FCRA 623 ( a ) ( 1 ) ( A ) ( can not furnish inaccurate information ) FDCPA 807 ( misleading representation of legal status of debt )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately 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 non-monetary relief
Consumer complaint received 2025-11-14 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: TN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, I sent Jefferson Capital Systems a written request for validation of an alleged XXXX XXXX debt they were reporting. I mailed this request by XXXX Certified Mail. XXXX tracking shows Jefferson Capital received and signed for my dispute on XX/XX/year> at XXXX XXXX  in XXXX, MN. 


Under FDCPA 809 ( b ), once a consumer disputes a debt in writing, the collector must cease all collection activity until validation is provided. Credit reporting is considered collection activity.

Jefferson Capital did not send me any validation. They did not provide any of the required information, including the name and address of the original creditor, the account number, itemization of the amount, proof of assignment, or any documentation showing I owe the debt. 

Despite failing to validate, Jefferson Capital continued to report and update the debt on my XXXX  credit report. XXXX  shows the account was updated on XX/XX/year>, more than 50 days after they received my dispute and after failing to provide validation. 

Jefferson Capital is reporting a debt without providing validation and continued collection activity in violation of FDCPA 809 ( b ) and inaccurate credit reporting under FCRA 623 ( a ).

I am requesting the CFPB require Jefferson Capital to : Provide complete validation of the debt OR delete the account from all credit bureaus.

Cease all collection activity.

Correct any inaccurate reporting.

I have supporting documents, including my dispute letter, the certified mail receipt, XXXX delivery confirmation, and screenshots showing continued reporting after my dispute. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: HI

Complaint narrative:
I

am submitting this filing to request a correction of inaccurate and incomplete information on my credit report with Equifax. The following accounts are being disputed for inaccuracies and non-compliance with the Fair Credit Reporting Act ( FCRA ). Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX Positive Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent inquiries that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a loyal customer of Bank of America. In XXXX, I was defrauded by XXXX XXXX XXXX XXXX XXXX XXXX, when they charged me for services they did not render. I filed a complaint and provided information, but the bank sided with them. Because BOA did not protect me or my assets as a customer, I decided to close my account but keep my credit card. Again, I had an unauthorized charge on my account and reported it to the bank. I provided information, and a few days later received a vague message that the bank decided to " close my account. '' No reason at all. I've paid my account on time since I've had it. I believe the closure had to do with the fact that I severed my relationship with the bank.

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 2025-11-14 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: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
My bank account had unauthorized electronic funds transfers in the amount of {$2000.00} on XX/XX/2025. I received a text from my bank ( Chime ) asking if I made a transaction via XXXX XXXX  for {$2.00} in which I responded " NO '' so that transaction was blocked. However, when I went in to check my account, I found 14 other transactions from XXXX XXXX equalling {$2000.00}. I filed a dispute with my bank ( Chime ) twice and they have denied the claim. Upon further research, they are apparently notorious for not giving customers their money back after fraud occurs. After changing the email address used to log in to my account, thinking my account was secure, another breach happened using XXXX in the amount of {$440.00} and one XXXX XXXX for {$1.00} on XX/XX/2025. The hackers had transferred the money from my savings account into my checking account in order to steal it. I was on the phone with the dispute department as the hackers stole my money! I was telling the representative to stop the transactions that were clearly trying to happen and she did nothing. Didn't even respond as if she wasn't listening or paying attention to something else. I tried to move the money to my husbands account but it denied the transaction as it " looked fraudulent '' but then let the hacker steal my money as I watched it on my bank app. I have an open dispute for that transaction. I have since frozen everything and have switched banks. So the total unauthorized electronic funds transfers amount is {$2400.00}. 
Chime Bank account - XXXX XXXX Transactions XX/XX/2025... 
XXXX XXXX  - {$4.00} XXXX XXXX XXXX  {$10.00} XXXX XXXX XXXX XXXX$180.00} XXXX XXXX  - {$24.00} XXXX XXXX  - {$33.00} XXXX XXXX  - {$48.00} XXXX XXXX  - {$66.00} XXXX XXXX  - {$130.00} XXXX XXXX  - {$240.00} XXXX XXXX  - {$420.00} XXXX XXXX  - {$450.00} XXXX XXXX  - {$180.00} XXXX XXXX  - {$100.00} XXXX XXXX  - {$100.00} XX/XX/2025 XXXX XXXXXXXX * XXXX XXXX XXXX XXXX  - {$1.00} XXXX XXXX XXXX - {$440.00} Due to Chime denying my claim multiple times despite the obvious evidence and many very long and extensive conversations with their dispute department, I have now filed an incident report with my local sheriff 's department and also a complaint report with the attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

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

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I recently received an email from genesis a collections agency about from an apartment complex I live in almost a year ago. I was never contacted by the complex regarding this charge to an account that had already been closed. I received no bill no itemized receipt no phone call, email, nothing involving this charge. The new apartment I moved into uses the same resident payment portal as the former complex and when I first moved in I could still view my former complex account. There was never a charge added to it while I had access and paying my new rent on the same website. This has now heavily negatively effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date : XX/XX/year> Balance : {$560.00} Inquiries : XXXX XXXX  Date : XX/XX/year> XXXX  Date : XX/XX/year> Late Payments : XXXX  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 2025-11-14 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am submitting a complaint regarding the following charge-off account that is appearing on my credit report : TARGET/TD Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance : {$1500.00} Date Opened : XX/XX/2021 Status : Charge Off I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative charge-off is harming my credit profile without any valid basis. I am requesting a full investigation into this matter.

Company response to consumer: Closed with explanation