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

Complaint narrative:
I am adding additional information to this rebuttal to formally dispute XXXX XXXX XXXX XXXX continued improper credit reporting. On XX/XX/XXXX, XXXX reported my account as delinquent to credit bureaus, despite their own records showing my account as current. This action constitutes a direct violation of the CARES Act ( 15 U.S.C. 9056 ( c ) ), Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), Servicemembers Civil Relief Act ( SCRA ) ( 50 U.S.C. 3901-4043 ), and Metro 2 compliance guidelines. 

Key Evidence of XXXX Improper Credit Reporting : 1. XXXX XX/XX/XXXX Statement Contradicts Their XX/XX/XXXX Credit Reporting XXXX reported my loan as delinquent to the credit bureaus on XX/XX/XXXX. 
However, their own XX/XX/XXXX billing statement shows a {$0.00} overdue balance. 
This proves their credit reporting was incorrect, misleading, and non-compliant with industry standards. 
2. XXXX Acknowledged My Forbearance But Retroactively Applied Delinquencies CARES Act Violation The CARES Act mandates that if a borrower was current before forbearance, the loan must continue to be reported as current throughout forbearance. 
XXXX admitted in their CFPB response : While enrolled in the forbearance plan, the loan was reported as current and on a forbearance. 
However, after my forbearance ended, they retroactively reported delinquencies for XXXX XX/XX/XXXX, violating federal protections. 
3. Failure to Investigate & Correct Inaccurate Reporting FCRA Violation ( 15 U.S.C. 1681s-2 ) Under the FCRA, XXXX must ensure credit information is accurate and conduct a proper reinvestigation of disputes. 
Their decision to report delinquencies on XX/XX/XXXX, despite showing my account as current in their own records, proves their reporting is false. 
This also contradicts Metro 2 credit reporting guidelines, which require that accounts in forbearance not be reported as past due. 
4. Failure to Accommodate XXXX Servicemember Status SCRA Violation ( 50 U.S.C. 3901-4043 ) As a XXXX servicemember, I was entitled to protections under SCRA, yet XXXX : Failed to provide clear notice about how my account would be reported. 
Relied on online-only disclosures, despite my limited access while on XXXX XXXX. 
Retroactively applied negative credit reporting despite protections against such financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt. 
This includes, but is not limited to, the following information : 1. The amount of the debt. 
2. The name of the original creditor. 
3. A detailed explanation of the debt, including any interest, fees, or other charges. 
Under 15 USC 1692g, I am entitled to receive this validation before I can consider any payment. Until you provide this information, I am requesting that all collection activities cease. 
Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 
Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 
Please treat this letter as a formal dispute of the debt in question. 
Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My Chase XXXX card was used by an unknown person to purchase something from XXXX XXXX XXXX  on XX/XX/year> in the amount of {$17.00}. I reported this as a fraudulent charge to Chase that morning. A few days later, I received an unordered composition book from this office supply retailer but again, I never ordered it. Chase 's Fraud Department sent me a letter on XX/XX/year> saying that they have determined that I am responsible for this charge because I received benefit from the transaction. But according to Federal Trade Commission 's web site on this subject, page XXXX, section titled " Your Rights When You Get Unordered Merchandise '' attached below states : " By law, companies can't send unordered merchandise to you, then demand payment. That means you never have to pay for things you get but didn't order. You also don't need to return unordered merchandise. '' Therefore, Chase Bank is not complying with Federal law in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

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

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-03-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts 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 hese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Car Repossession - Unauthorized Debt Acquisition - Violation of 15 U.S. Code 1681b ( a ) ( 2 ) Dear XXXX, I am writing to formally dispute a repossession listed on my credit report related to an account with XXXX XXXX XXXX account number XXXX, with a reported repossession date of XX/XX/XXXX. 

It has come to my attention that XXXX XXXX acquired this debt from American Car Center without my knowledge or permission. Under 15 U.S. Code 1681b ( a ) ( 2 ), my credit report information can only be accessed or reported when there is a permissible purpose, such as my explicit authorization or another valid legal reason. 

I did not sign or authorize any agreement allowing XXXX XXXX to purchase or assume this debt. Therefore, I believe the inclusion of this account on my credit report is inaccurate and potentially unlawful. 

I am requesting verification of the accuracy of this repossession entry, including proof of my authorization allowing XXXX XXXX to acquire this debt. If the debt transfer or reporting can not be validated, I request immediate removal of this account from my credit report. 

As outlined by the Fair Credit Reporting Act ( FCRA ), I expect the results of your investigation and a resolution within 30 days. To assist in your investigation, I have enclosed a copy of my credit report showing the disputed item, along with any relevant documents, such as correspondence with American Car Center. I have also included a copy of my identification for verification purposes. 

If further information is required, please contact me directly at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: NY

Complaint narrative:
I demand to see the original signed verification with my original signature, before its reported to all three credit bureaus and then sent to collection. First I have been robbed and have police report to show it and then again during the pandemic I was robbed of my information and reported it to all parties and charge is fraudulent unless they can prove otherwise. I demand all charges be immediately removed and my credit score raised effective immediately! I also demand you cease and dismiss from all calls and communications to my families.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased my used vehicle in XX/XX/XXXX and have consistently made timely payments to Regional XXXX by XXXX. I reached out to the company to request an update on my loan balance, which has decreased from the original amount of {$17000.00} to {$16000.00}. After my upcoming payment for XXXX it will further reduce to {$15000.00}. However, I am puzzled as my credit report only reflects payments for XXXX, XXXX, XXXX, and does not include entries for XXXX, XXXX, XXXX or XXXX, or XXXX and XXXX of XXXX. Upon contacting the company, I was advised to submit a written request detailing the discrepancies in my credit report in XXXX to the address they provided, with a promise that it would be resolved within thirty days. Despite following through in XXXX, it is now XX/XX/XXXX, and the missing entries have yet to be updated, nor has my loan balance been adjusted in the report. This ongoing issue has persisted since I took out the loan, with repeated assurances from the company that it would be rectified. This situation is negatively impacting my credit score and hindering my ability to refinance with another lender, as my credit report still reflects the original loan amount rather than the reduced balance. I have also contacted the credit reporting agencies, who confirmed that they are reporting the information provided by the loan holder, which is inaccurate. Attached is the updated information as of XX/XX/XXXX. Of my credit report and my loan balance they is provided with in regional acceptance app. When I submit a dispute through the XXXX credit bureaus regional acceptance is denying to change the information saying it is accurate with the credit bureaus and it isnt because I have proof. Please let them do a thorough investigation and not deny to change this information just as a generic response without doing there due diligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Unauthorized Inquires 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed letters to Transunion, Equifax and Experian asking them to validate bankruptcies that were on my credit report. Case # XXXX, Case # XXXX and Case # XXXX On XX/XX/XXXX I called the bureaus to see if they had received the letters at Experian, I spoke with XXXX in the escalation department he said they had received the letter and gave me a case # XXXX. At Equifax and Transunion, they said they hadn't gotten the letter. 

XX/XX/XXXX I called Equifax and spoke with a young lady in the escalation department who told me they got a letter, but it wasn't regarding the bankruptcies I told her the letters were mailed out on the same day she was very unconcerned I asked for her manager she said she was the highest person in their department. 
I told her since she is so unconcerned I will be filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
Fraudulent charges on XX/XX/year> at XXXX. Called disputed charges. No results after proof. And many back and forth no conclusion.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

XXXX XXXX - XXXX - Unrated or bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
I never signed up with XXXX, XXXX XXXX, or should i be harrassed by Jefferson Capital. First I have been robbed and have police report to show it and then again during the pandemic I was robbed of my information and reported it to all parties and charge is fraudulent unless they can prove otherwise. I demand all charges be immediately removed and my credit score raised effective immediately! I also demand you cease and dismiss from all calls and communications to my families.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief