vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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 sent a certified debt validation letter to XXXX Account XXXX XXXX XXXX on XX/XX/year> disputing a collection account they are reporting to TransUnion and Equifax for {$180.00}. 

They did not respond within the required 30 days and have continued to report the debt. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this collection account be removed from my credit report due to failure to validate and continued reporting of disputed, unverified debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to follow up on my previous formal disputes regarding the unverified and inaccurately reported negative account listed on my credit report : Account in Question : XXXX AUTO - XXXX * * * * Despite your prior assurance of an investigation, I have yet to receive any verifiable documentation or proof confirming the accuracy of this account. Let me be clear : I do not accept this account as verified. My repeated disputes reflect its unverified and inaccurate status.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am disputing two late payments from XX/XX/XXXX and XX/XX/XXXX that were reported by State Employees Credit Union on my Visa account. These late payments were reported while SECU had an outdated and incorrect address on file. That address has since been removed from all three major credit bureaus. 

During the time these payments were reported late, I was not receiving any billing notices or statements. SECU continued to report and verify the late payments without proving that I was properly notified at a valid mailing address. They have recently started reporting this account to TransUnion, which has caused new credit harm. 

Under the Fair Credit Reporting Act, section 623a1A, furnishers are required to report only accurate information. Reporting delinquencies tied to a removed and unverified address violates that requirement. SECU has also not demonstrated a reasonable investigation as required under section 611. 

I am requesting the complete deletion of the XX/XX/XXXX and XX/XX/XXXX late payments from all credit reporting agencies because the reporting is inaccurate and unverifiable. I have attached supporting documents including statements showing the invalid address and SECUs response confirming the account is newly reported to TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NC

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NC

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information on Experian Credit Report - Account Number XXXX Dear Consumer Financial Protection Bureau, I am writing to file a dispute regarding inaccurate information appearing on my XXXX  credit report. Despite a debt being XXXX, XXXXXXXX XXXX reporting does not accurately reflect the most recent status of this account. 

The account in question is with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX PA XXXX ), with the account number XXXX. 

My XXXX  credit report currently shows this account with a status of " Closed. {$1000.00} written off, '' with the status updated as of XX/XX/XXXX. However, I have received an IRS Form 1099-C, Cancellation of Debt, from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, for an amount of {$810.00}. This 1099-C clearly indicates a " Cancellation of Debt '' ( Identifiable event code " F ' - By agreement ).

The discrepancy is as follows : XXXX  Credit Report : States the account was " written off '' for {$1000.00} as of XX/XX/XXXX. 

IRS Form 1099-C : Shows a debt discharge of {$810.00} as of XX/XX/XXXX. 

The information on my XXXX  credit report is inaccurate and outdated, as it does not reflect the more recent and definitive discharge of debt as documented by the IRS Form 1099-C. This inaccurate reporting negatively impacts my credit score and financial standing. 

I request that the CFPB investigate this matter and compel XXXX  to : Promptly investigate this dispute. 

Update the tradeline for account number XXXX to accurately reflect the debt as XXXX, consistent with the IRS Form 1099-C dated XX/XX/XXXX. 

Remove any derogatory remarks related to this debt that are inconsistent with its XXXX status. 

I have attached copies of my XXXX  credit report highlighting the inaccurate tradeline, and the IRS Form 1099-C as evidence of the debt discharge. 

Thank you for your time and assistance in resolving this important matter. I look forward to your prompt response and a resolution to this dispute. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a promotional offer to open checking and savings accounts, which comes with a XXXX XXXXXXXX {$300.00} bonus offer for both accounts. I received the {$300.00} bonus related to the checking account but did not receive the bonus for the savings account. The bank is saying that I did not deposit {$500.00} for XXXX consecutive months, which I did. In the offer, it stated, '' make at least XXXX single deposit of XXXX or multiple deposits totaling {$500.00} or more per month to new savings every month for XXXX consecutive months starting the month after new checking and savings accounts are opened........ '' I opened my account on XX/XX/XXXX ; therefore, the next month starts on XX/XX/XXXX and ends in XX/XX/XXXX. I made a {$500.00} deposit in that timeframe and the following XXXX XXXX as well. However, the bank says this is not counted because, according to them, the counting of months starts from XX/XX/XXXX, which seems very unreasonable. 

How can the next month start just one day after account opening? Secondly, in their offer, they did not specify calendar months ; they just mentioned the next month. If a month consists of 30 days, then the next month must start after 30 days, not just XXXX day later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I would like the following collections accounts removed. Many of these accounts fall under the statute of limitations or are misreported on my credit report. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the FAIR CREDIT REPORTING ACT, SECTION 609A1A, you are required by federal law to verify through physical verification of the original signed contract, any and all accounts that you post on credit report. Otherwise, anyone paying you for your debt is probably fraudulent. I demand to see verified proof. If you fail to validate, REMOVE ACCOUNT IMMEDIATELY. 
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: TN

Complaint narrative:
b"I am filing a complaint against Trans Union, LLC for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Trans Union, LLC consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Union LLC's actions may also contravene the Consumer Financial Protection Act (CFPA), 12 U.S.C.  5536(a)(1)(A)-(B), as highlighted in the CFPB's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, which mandates a reasonable investigation of disputes. Furthermore, Trans Union, LLC's actions may also contravene the Consumer Financial Protection Act (CFPA), 12 U.S.C.  5536(a)(1)(A)-(B), as highlighted in the CFPB's recent administrative proceeding (File No. 2025-CFPB-0002) against them for similar violations. I request that the CFPB take action to ensure Trans Union, LLC complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate. XXXX XXXX XXXX XXXX -BANKRUPTCY DISMMISED 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 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On XX/XX/year>, I contacted the company regarding a debt that was reported under my name. I was not aware of this debt and did not receive any prior notice or explanation about its origin. When I asked for clarification, the representative was dismissive and rude. I requested that the debt be removed or properly investigated, but the person I spoke with refused to provide adequate information or assistance. I still do not understand what the charge is for, and I was not given any documentation or verification of the debt. I am requesting that this matter be thoroughly reviewed and the debt be removed immediately I am trying to get an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of XXXX5 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-06-22 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: DE

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-21 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-06-22 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: GA

Complaint narrative:
Transunion, Experian, and Equifax continue to report several collection accounts that have not been validated or verified as accurate. Per the Fair Credit Reporting Act and the Fair Debt Collection Practice Act. The accounts in question are as follows : XXXX. ) XXXXXXXX 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 XXXXXXXX

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