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:
Let me be absolutely clear : XXXX XXXX XXXX is reporting an account under my name ( XXXX Account XXXX. XXXX ) as delinquent or charged off on my credit report. But here 's the catch, they havent provided a single shred of evidence that this debt is valid, collectible, or lawfully reportable under federal law. Total disaster. 

First of all, I never received IRS Form 1099-C, which is required if the account was discharged, forgiven, or charged off for more than {$600.00}. Thats a violation of 26 U.S. Code 6050P and IRS reporting law. You cant charge it off, take the tax write-off, then double-dip and report me like I still owe the full balance. Thats illegaland its called tax fraud.

Second, Ive issued a Conditional Acceptance for Value to Affirm, demanding they provide : Proof of accounting showing a real financial loss, Chain of title on the debt from origination to present, Documentation confirming this debt was not securitized or monetized using asset-backed securities ( ABS ), A copy of the original signed contract ( not digital clicks ), Confirmation that no trust, third party, or investor holds interest in the obligation, and A full transactional history per GAAP ( Generally Accepted Accounting Principles ).

So far...... radio silence.

They are violating : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate or unverifiable info 15 U.S.C. 1681e ( b ) Duty to report accurate, complete info 16 CFR 313.7 Failure to provide opt-out notices for third-party data sharing 15 U.S.C. 6801 Mishandling nonpublic personal info ( Gramm-Leach-Bliley Act ) UCC 3-603 ( b ) Debt discharged = obligation extinguished Spokeo v. Robins, 578 U.S. 330 Inaccurate data causes real harm Safeco v. Burr, 551 U.S. 47 Reckless FCRA violations = willful noncompliance And lets not forget : 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.

Theyve been warned, and if they cant validate the debt, show lawful assignment, and prove theres no monetization or securitization, they better delete the account immediately. Because this negative entry is hurting my ability to get a home, its causing emotional distress, financial hardship, and violating my rights.

I am not refusing to pay, I am demanding proof. And if they cant produce it, then they owe me, not the other way around.

This ends now.

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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports XXXX  hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Several companies have accessed my credit report without my authorization, directly harming both my credit and credit score. I previously contacted your agency, and a representative assured me these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain on my report.

Their continued presence is deeply concerning and raises serious red flags regarding potential identity theft. This failure to act is unacceptable and is causing undue emotional distress and further 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 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: Kriya Capital, LLC
State: PA

Complaint narrative:
I submitted a debt validation request to Credence Resource Management regarding an alleged XXXX XXXX XXXX XXXX debt ( Credence Reference ID : XXXX ). In response, they only provided a basic account summary without supporting documentation. 

They failed to comply with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), which requires a debt collector to provide sufficient validation upon request. Specifically, they did not : Provide a signed contract or agreement bearing my signature ; Provide an itemized breakdown of the charges that make up the {$1400.00} balance ; Prove they have legal ownership or authority to collect on this debt from XXXX XXXX XXXX. 


Without these documents, I can not verify the validity or accuracy of this debt. I am requesting that Credence Resource Management either provide full validation or cease collection efforts and remove any reporting from all consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
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 am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Fifth Third Bank and many other financial institutions are notorious for violating consumer rights. Its well know with plenty of case law. I made payments on my mortgage. They are claiming they do not have to follow federal law or it does not apply. I never gave up my rights contractually. They are not the original creditor. They are an assignee. A debt servicer. I made payments recently. It was not the full amount, however they sent me a letter asking how I would like the payments to be applied. I used there in app messaging to ask why they were never applied. The lady XXXX said they did not have to apply them since it was not in full payment. But this financial institution literally asked me how they should be applied. When I questioned her she literally said the law does not apply to this. I know better. Im reporting this. They do not follow the law and continuously undermine the consumer and our rights.

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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is reporting a collection account that has never been validated under FDCPA 809. I never received a contract, bill of sale, or assignment from the original creditor ( XXXX XXXX ), and no evidence has been provided to prove the legitimacy of this debt. 

Despite my dispute, Midland continues furnishing derogatory data to XXXX XXXX, and XXXX, violating FCRA 623 ( a ) and FDCPA 807. This reporting is harmful, inaccurate, and willfully noncompliant with federal law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Transunion XXXX. XXXX XXXX XXXX, PA XXXX RE : URGENT DEMAND FOR DELETION OF INACCURATE ACCOUNT FIRST INV SC Account # : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for immediate deletion of the account reported by XXXX XXXX XXXX under account number XXXX. After thorough review, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ), and therefore, I am asserting my right to request complete removal of this account from my credit profile. 

The following issues are present in your reporting : 1. Duplicate Reporting / Triple Tradeline Entry The same account is being reported three separate times under the same number, falsely inflating my debt and misleading scoring models.

Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

2. Conflicting Dispute Flags One version reports Account disputed, while others show no dispute at all. This proves inconsistent updating across your system.

Violation : FCRA 611 Failure to properly update dispute results.

3. Inconsistent Last Payment Dates Two listings show the last payment as XX/XX/XXXX, and another says XX/XX/XXXX. This suggests illegal re-aging to misrepresent the age of the account. 
Violation : FCRA 623 ( a ) ( 1 ) ( A ) Reporting knowingly false or outdated data.

4. Date Opened Conflict Some listings show the open date as XX/XX/XXXX, and others show XX/XX/XXXX a clear data inconsistency. 

5. Contradictory Comments Conflicting notes such as Consumer disputes after resolution and Dispute resolved ; customer disagrees exist across entries. This shows a failure to maintain integrity in reporting.

FINAL DEMAND : Due to the above violations and data errors, I am demanding the immediate and permanent deletion of this account from my credit file. This item is clearly unverifiable in its current state and is causing damage to my credit profile.

You have 30 days from the date of this letter to complete a reinvestigation per FCRA 1681i ( a ). Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney General, and legal action will be considered for statutory damages under FCRA and FDCPA.

This is your final notice. Govern yourselves accordingly. 

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 2025-06-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I want this letter to reach Bank of America regarding my claim : XXXX. 

RE : Formal Complaint Ongoing Fraud Mishandling, Account Closure Without Consent, and Withheld Funds To Whom It May Concern, I am writing to formally escalate an unresolved and unacceptable issue regarding my Bank of America account ending in XXXX. The initial incident occurred in XX/XX/scrub> 2025, when an unauthorized internal transfer was performed via telephone. I did not authorize this transfer, and despite reporting it immediately, I am still dealing with the consequences over a month later. 

My account was placed under a 'credit-only ' restriction and later closed, despite my explicit request to keep it open to allow scheduled payments to go through. I never received the replacement debit card I requested, and I have not been given access to my remaining funds ( {$170.00} ). Multiple representatives failed to identify who placed the account restriction or who had the authority to lift it. I was repeatedly transferred between departments. 

On XX/XX/scrub> 2025, I spent several hours on the phone, most notably with a representative named XXXX ( Employee ID : XXXX ), who admitted that the restriction was not placed by XXXX XXXX as I had been told. The manager he consulted then ( XXXX XXXX confirmed it was not their department either, revealing that previous information given to me was incorrect. I was told to wait another day for a possible callback from yet another department. It was almost 2 hours on the phone this time, not to mention my previous calls from nearly a month ago that got nowhere. Meanwhile I still sit and wait for a debit card that I had to re order since it had been about 15 days past the 4-6 day window given to me when I first ordered the replacement. A card that I wont even be able to use because my account is frozen and nobody knows how to get me access to my money, like Im being punished because THEY let someone who wasnt me make an unauthorized transfer over the phone. Making a bad problem even worse! Blatant stonewalling and refusing to give me my money because I said I just want to close my account and get my money. How hard is it to tell me to go to the bank and they can give me to XXXX or so dollars and close my account? They want to keep me trapped it seems.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: NV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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  has violated my rights. 

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 has violated my rights. 

EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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  has violated my rights. 

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 has violated my rights. 

EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

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