vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for unlawfully reporting a late payment on my credit report, which is completely inaccurate and unsupported. Let me be clear : I never received a single periodic statement or valid billing notice that complies with the Truth in Lending Act ( TILA ), Regulation Z, 12 C.F.R. 1026.7 ( b ), which requires timely periodic statements at least 21 days before payment is due.

You can not report a consumer as late unless you first give lawful presentment of the debt. This is a complete failure of compliance, they never sent me the bills, yet somehow penalized me for not paying them. Total disaster.

This negative reporting is now blocking me from qualifying for a home, has destroyed my credit, and caused emotional damage, XXXX, and economic loss. 

I have sent a Conditional Acceptance for Value, and I do not refuse to pay. I simply demand the following proof before I consider the debt valid : Full proof that periodic statements were sent in compliance with TILA ; Evidence that Self still owns this account, and it was not securitized, monetized, or converted into an asset-backed security ; A copy of the original contract signed by me ; Accounting ledgers per GAAP to prove a true outstanding balance ; Written admission or denial of any 1099-C issuance or tax deduction for charge-off.

If they can not provide these, this debt is unverified, this report is false, and this damage is unlawful.

Pursuant to the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I hereby revoke and withdraw any and all authorizationwhether written, unwritten, verbal, or non-verbal. This revocation applies retroactively and is effective immediately under 15 U.S.C. 6805.

They are also violating : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting false, unverifiable information ; FCRA 1681e ( b ) Failure to ensure maximum possible accuracy ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

They had every chance to do it rightand they didnt. 

I demand the late payment be immediately removed, the tradeline updated, and that XXXX XXXX XXXX XXXX cease all further negative reporting unless they can provide actual evidence. 

Failure to act will result in legal escalation, including IRS Form 3949-A for suspected tax fraud and FCRA litigation.

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 2025-06-17 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for unlawfully reporting a late payment on my credit report, which is completely inaccurate and unsupported. Let me be clear : I never received a single periodic statement or valid billing notice that complies with the Truth in Lending Act ( TILA ), Regulation Z, 12 C.F.R. 1026.7 ( b ), which requires timely periodic statements at least 21 days before payment is due.

You can not report a consumer as late unless you first give lawful presentment of the debt. This is a complete failure of compliance, they never sent me the bills, yet somehow penalized me for not paying them. Total disaster.

This negative reporting is now blocking me from qualifying for a home, has destroyed my credit, and caused emotional damage, XXXX, and economic loss. 

I have sent a Conditional Acceptance for Value, and I do not refuse to pay. I simply demand the following proof before I consider the debt valid : Full proof that periodic statements were sent in compliance with TILA ; Evidence that Self still owns this account, and it was not securitized, monetized, or converted into an asset-backed security ; A copy of the original contract signed by me ; Accounting ledgers per GAAP to prove a true outstanding balance ; Written admission or denial of any 1099-C issuance or tax deduction for charge-off.

If they can not provide these, this debt is unverified, this report is false, and this damage is unlawful.

Pursuant to the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I hereby revoke and withdraw any and all authorizationwhether written, unwritten, verbal, or non-verbal. This revocation applies retroactively and is effective immediately under 15 U.S.C. 6805.

They are also violating : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting false, unverifiable information ; FCRA 1681e ( b ) Failure to ensure maximum possible accuracy ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

They had every chance to do it rightand they didnt. 

I demand the late payment be immediately removed, the tradeline updated, and that XXXX XXXX XXXX XXXX cease all further negative reporting unless they can provide actual evidence. 

Failure to act will result in legal escalation, including IRS Form 3949-A for suspected tax fraud and FCRA litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be remoXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XX/XX/2025

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 2025-06-17 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: LA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. 
Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-06-17 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I noticed that I have several unauthorized hard inquiries on my credit report. I have reached out to the companies to hopefully remove them and alerted them that these inquiries were unauthorized. I have unauthorized accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: PA

Complaint narrative:
Account have been trying to charge me without any validation I have requested. 

Collection account from XXXX XXXX XXXX and a balance Of The original creditor XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-06-17 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
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  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
YOU ARE IN VIOLATION OF 15 US Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
This letter is a formal complaint that you are reporting inaccurate and incomplete consumer information. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of MY CORRECT PERSONAL INFORMATION : Delete all other addresses, I can not receive mail or any correspondence nor do I have access to any Please delete these inaccurate addresses and names. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
I demand that the following accounts be removed immediately as it's vital to me support my family : Also, I noticed that there are unauthorized inquiries made and they were not by me : I contacted the companies who placed the inquiry and asked them to delete the inquiry and or provide me written proof that I made this inquiry. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 
Remove unverifiable, inaccurate, unauthorized credit inquiries from my consumer report. 
It's federal law you report 100 % accurate and verifiable accounts on my consumer report according to 15 US Code 1681e ( b ) Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am disputing a XXXX XXXX XXXX  of approximately {$5500.00}. which was marked as disbursed to me in or around XX/XX/year>, in two payments each {$2700.00}, while I was enrolled at XXXX University and XXXX XXXX XXXX XXXX in XXXX XXXX, Louisiana. The loan is currently being serviced by Aidvantage. 

I never received these funds in my bank account, nor were they applied toward any tuition or educational expenses on my behalf. I received no benefit from this loan and have no record of ever accessing or using the money. 

I previously contacted Aidvantage and/or the Department of Education and requested an investigation. However, I believe the investigation conducted was insufficient and failed to provide any evidence of where the funds actually went. They closed the case without resolving my concerns. 

Despite this, I am being held financially responsible for a loan I never received. This is damaging my credit, creating undue XXXX, and interfering with my ability to move forward in life. 

I am requesting a full audit of this loan disbursement, confirmation of where the funds were sent, and immediate cancellation of the loan if misappropriation or disbursement error is confirmed. I am also requesting the removal of any related negative credit reporting. 

If this issue is not resolved, I will seek legal action. I should not be forced to repay funds that were never actually disbursed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. 15 USC 1681 Section 602 States as followed : I have the right to privacy. 15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

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 2025-06-17 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: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. 15 USC 1681 Section 602 States as followed : I have the right to privacy. 15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On the evening of XX/XX/XXXX, I attempted to deposit cash at the ATM located at XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX. I inserted at least {$6500.00} in {$100.00} bills into the machine. However, the ATM only credited me for {$1700.00} and then displayed an error message indicating that the machine was experiencing a malfunction and could not return the remaining cash. It prompted me to note approximately how much I had deposited. 

I am requesting an investigation and reimbursement for the unaccounted funds of approximately {$5000.00}.

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 monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
To Whom It May Concern : I am formally disputing the inaccurate and duplicate reporting of the same alleged debt by two different collection agencies on my credit file : 1. * * XXXX XXXX XXXX XXXX * * {$3700.00} Opened XX/XX/year>023 2. * * Columbia Debt Recovery * * {$3700.00} Opened XX/XX/scrub>/2023 Both accounts are reporting the same debt balance, same date opened, and appear to reflect the same original obligation, which is a * * blatant violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) * * and * * XXXX XXXX data integrity standards * *. 

* * This is a clear instance of duplicate reporting, which is misleading, inaccurate, and causing undue harm to my credit profile. * * Additionally, both accounts reflect unresolved dispute language such as : - Account previously in dispute now resolved by data furnisher - Dispute resolved reported by grantor These remarks are deceptive and imply resolution when proper validation was never provided to me. Under * * 15 U.S.C. 1681i ( a ) * *, you are required to investigate and remove any unverifiable or duplicate account information within 30 days of receiving this letter.

# # # My Demands : - Investigate both accounts for duplicate and inaccurate reporting - Provide documentation proving these are separate, valid debts ( which they are not ) - * * Immediately delete one or both accounts * * if they represent the same obligation - Remove misleading remarks stating the dispute is resolved unless validated with supporting documentation Failure to correct this will result in formal complaints filed with : - Federal Trade Commission ( FTC ) - Consumer Financial Protection Bureau ( CFPB ) - Office of the Attorney General - Office of the Comptroller of the Currency ( OCC ) if applicable This is your legal notice under FCRA. Please respond with a confirmation of deletion or correction within 30 days.

Company response to consumer: Closed with explanation