vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*VIA CERTIFIED MAIL & EMAIL**  \n\n**Experian**  XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifaxXXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n**TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*Creditors**: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*RE: FINAL NOTICE - DEMAND FOR ACCOUNT DELETION UNDER FCRA/XXXX XXXX/TEXAS LAWXXXX XXXX I. YOUR LEGAL VIOLATIONS  \nYou are illegally reporting accounts violating these laws:  \n1. **U.S. Federal**:  \n   - FCRA  1681e(b) (inaccurate reporting)  \n   - FCRA  1681i(a)(5) (refusing to delete unverified accounts)  \n   - 15 U.S.C.  1692e (false debt representation)  \n2. **Texas Law**:  \n   - Finance Code  392.304 (credit reporting fraud)  \n   XXXX XXXX XXXX XXXX XXXX XXXX (defamation)  \n3. **XXXX  Law** (for your XXXX  subsidiaries):  \n   - XXXX  XXXX XXXX. 17 (right to erasure)  \n   - Data Protection Act XXXX   94 (inaccurate data)  XXXX II. ACCOUNTS DEMANDING IMMEDIATE DELETION  \n| Creditor | Account # | Violations |  XXXX XXXX XXXX | XXXX  | Fake "Charge-Off" status |  \n| XXXX | XXXX  | Invalid $XXXX  collection |  XXXX XXXX | 636992XXXXXXXXXX | Zombie debt with no validation |  \nXXXX XXXX XXXX XXXX XXXX XXXX Fabricated late payments |  \n| XXXX | XXXX  | Illegal balance re-aging |  XXXX III. NON-NEGOTIABLE DEMANDS  \n1. **Within 5 business days (by XXXX XXXX XXXX:  \n   - Delete ALL disputed accounts from all credit files  \n   - Email confirmation to both my email addresses  \n2. **Within 10 business days (by XXXX XXXX XXXX   \n   - Send updated credit reports via certified mail  \n   - Provide documents proving account deletion  \n   - Pay $XXXX  statutory damages ($XXXX  per account) XXXX IV. LITIGATION WARNING  \nFailure to comply will trigger:  \n- **Federal lawsuits** under FCRA  1681n (willful noncompliance)  \n- *XXXX XXXX  claims** against Equifax XXXX/Experian XXXXTransUnion XXXX   \n- **Criminal referrals** to Texas AG for credit fraud (Penal Code  32.315)  \n- **Treble damages** under DTPA  17.50 (3x actual damages)  \n\n**Certified Mail Tracking #**:  \n- ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax: XXXX XXXX XXXX XXXX XXXX XXXX- TransUnion: XXXX XXXX XXXX XXXX XXXX XXXX*RESPOND TO**: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nSincerely,  XXXX XXXX XXXX ENCLOSURES  \n1. Proof of fabricated XXXX XXXX  payment history  \n2. XXXX  balance re-aging evidence  \n3. Prior dispute reference numbers  \n\n**CC**:  \nCFPB | FTC | Texas Attorney General | XXXX  Information Commissioners Office  \n\n> **LEGAL NOTICE**: This letter constitutes formal notice under 15 U.S.C.  1681g(c). Any continued reporting after receipt is **willful violation** punishable by imprisonment under 18 U.S.C.  1029 (credit fraud).'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: HI

Complaint narrative:
This is a legitimate and urgent complaint. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy and is causing serious, ongoing harm. These errors must be thoroughly investigated and either corrected or permanently removed 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Subject : Demand for Investigation and Removal of Fraudulent Charge-Offs and 1099-C Violations To Whom It May Concern, I am writing to formally address and dispute significant discrepancies and questionable accounting practices reported by your institution. Upon evaluating your financial reporting in accordance with Generally Accepted Accounting Principles ( GAAP ) and reviewing my credit file and IRS filings, I believe your company has engaged in fraudulent and deceptive practices in violation of both credit reporting laws and IRS regulations.

Issues Identified : 1. Improper Charge-Off Reporting : The account listed under Account Number XXXX has been reported as a charge-off on my credit report. However, there is no legitimate documentation supporting the legal validity of this debt, nor any substantiated balance due that adheres to GAAP standards of revenue recognition and debt extinguishment.

2. Failure to Issue IRS Form 1099-C : Under IRS regulations , once a debt is discharged or deemed uncollectible and written off as a loss, a 1099-C Cancellation of Debt form is legally required to be issued to the debtor and the IRS. Your company has failed to issue this document, indicating that you may have claimed a loss for tax benefit purposes while continuing to collect or report the debt, a clear indication of deception and potential tax fraud.

3. Violation of GAAP and Misleading Accounting : By failing to reconcile the charge-off through proper debt forgiveness documentation and by continuing to list an extinguished liability on my credit profile, you have misrepresented your financial standing both to the IRS and to credit reporting agencies. This misreporting may constitute material fraud under GAAP and deceptive reporting practices under the Fair Credit Reporting Act ( FCRA ).

Demands : Immediate deletion of the fraudulent charge-off from all credit reporting agencies.

Issuance of IRS Form 1099-C, retroactive to the year the charge-off was recorded, in compliance with IRS tax law.

A written explanation detailing the accounting treatment of the charge-off and whether it was claimed as a loss or remains collectible.

Full documentation showing legal ownership, assignment, and validation of the alleged debt.

Failure to respond to this letter within 15 business days will result in the filing of complaints with : The IRS Office of Professional Responsibility The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Inspector General ( OIG ) This matter is serious, and I expect full transparency and compliance with federal law and GAAP standards. 

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 2025-06-19 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: NV

Complaint narrative:
I am submitting this complaint to dispute the reporting of a late payment dated XX/XX/year> by XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX  ) on all three of my credit reportsEquifax, XXXX, and XXXX. This account is inaccurately flagged as late despite showing a past due balance of {$0.00}. A {$0.00} past due amount indicates that the account was either brought current or never past due to begin with, which makes the late payment designation both misleading and factually unsupported. I have attempted to resolve this issue through previous disputes, but the incorrect information remains. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they include. Reporting an account as late while also indicating that it was not past due contradicts itself and misrepresents my payment history. This misreporting damages my credit standing, misleads potential creditors, and has already contributed to unfavorable credit decisions. Furthermore, 15 U.S.C. 1681i ( a ) grants me the right to a prompt and thorough reinvestigation whenever a dispute is submitted, yet the continued presence of this inaccurate data suggests that the credit bureaus failed to properly verify this information with the data furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
We have a lien on our property from our 2nd mortgage. The lien was recorded when we bought the house which was from ownit mortgage solutions. The loan was sourced out to XXXX XXXX XXXX  for payments and in XXXX XXXX dissolved and we continued to make payments to XXXX XXXX. In XXXX we filed for XXXX XXXX and at that time the house value was below and will not cover even the 1st mortgage. We havent paid the second mortgage since XXXX but now we in the process of selling the house and we are in pending sale but we cant find who is the mortgage holder for the lien. We have called several companies and emailed every possible known but unable to locate. The title company researched but its not showing anything. The only lien is from the XXXX. We need help finding about this lien pay the company and get the lien out of the property. We need help plz

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 2025-06-19 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-19 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: LEXISNEXIS
State: OH

Complaint narrative:
Subject : Request for Full Disclosure of Consumer Report Information Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to request all information contained in the full consumer report that LexisNexis has on me. I believe this information may assist in addressing concerns regarding this inquiry and ensuring my rights are protected.

Specifically, I am requesting : A complete copy of the full consumer report that LexisNexis has on me. 
Any additional details or documentation related to this inquiry that may assist in resolving this matter.

I am seeking your assistance as the overseeing consumer agency to ensure that I receive all relevant information and that this issue is handled appropriately. Please let me know if additional documentation is needed to process my request.

You may contact me at [ your phone number ] or [ your email address ] for further communication. Thank you for your attention and support in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$180.00} XXXX  Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: GA

Complaint narrative:
I have a checking account with Chime bank. I had a deposit come in for {$77.00} from my employer to my checking account. The Chime system automatically transferred my entire deposit of {$77.00} to my credit builder account even though my settings on my account are for 100 % of my incoming deposits to go to my checking account only and NOT to automatically transfer funds to my credit builder account. As stated on Chime website, You choosehow much money is sent to each account also what is the point of the settings for the account of the system automatically does what it wants. Customer service even told me he sees my settings were not to send any money to the credit builder but that he cant override the system and apologized profusely. This is not good enough and unacceptable! I need my funds in my chosen account, and chime needs to adjust their policy online. I am intending to hire an attorney if this matter is not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I am filing a complaint against Equifax for reporting false, inaccurate, and misleading information about a collection account from XXXX ( Account ending in XXXX ). Equifax is reporting this account as Open with a balance of {$900.00} and a payment status of Late 120 Days as of XX/XX/XXXX, despite the last payment being made on XX/XX/XXXX, and no new activity since then. This violates FCRA 1681e ( b ) by failing to ensure maximum possible accuracy, and FCRA 1681i ( a ) by not properly reinvestigating after my disputes.

The account should be marked as Closed or Transferred, not Open, because no valid payment activity has occurred in over a year. Reporting it as open with increasing late payment history after inactivity is misleading, inflates my debt ratio, and constitutes re-aging of the account a serious violation of the Fair Credit Reporting Act.

No supporting documentation has been provided by Equifax or the furnisher to justify this reporting. This is part of an ongoing pattern of erroneous reporting by Equifax that harms my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
Hello, first of all, I would like to apologize to all of you for bringing this issue to this level.I came to the United States to work on a short-term visa.I thought carefully before getting my credit card.I used to make my payments on time.But one day, I was scammed by an online scammer and lost a lot of money. I even took money off my credit card.I continued to give the money, not realizing that I had been deceived, and later realized that I had been scammed.and after the visa expired, I left the country because I didn't want to violate my visa.During this time, I was unemployed and unable to pay my credit card bills.After a long wait, I was able to return to the United States and am now trying to fix the problem.Therefore, I accept the {$3400.00} I owe, I would like to ask for a time limit to pay this in installments.

Company response to consumer: Closed with explanation