vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
This complaint is submitted in response to TransUnions reporting of a late payment dated XX/XX/year> on my XXXX XXXX account : Creditor : XXXX XXXX Account Number : XXXX Late Payment Date : XX/XX/year> Bureau Involved : TransUnion I previously disputed this derogatory mark and requested a lawful reinvestigation. TransUnion failed to verify the accuracy of this information or provide any documentation supporting it. This lack of compliance violates my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

In particular : 15 U.S.C. 1681i ( a ) requires a reasonable reinvestigation, not an automated response.

15 U.S.C. 1681e ( b ) obligates TransUnion to maintain procedures to assure the accuracy of data.

No compliance with 15 U.S.C. 1666 ( b ) or 12 CFR 1026.5 has been demonstrated regarding billing notice requirements. 

Continued reporting without verification may violate UDAAP standards. 

Legal precedent including XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX makes clear that even technically accurate data may be deemed misleading if not properly substantiated.

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 2025-04-18 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:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. They are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report. They are hurting my ability to obtain credit.

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 2025-04-18 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-04-18 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: AZ

Complaint narrative:
Account # XXXX I am reaching out to you because I have no memory of this account. Also according to the FCRA, I'm certain that all of the following must be in order and or supplied to me upon request, for you to attempt to collect on this alleged debt. 

If you can not supply the following, Please remove this information from my consumer report on all 3 credit reporting agencies immediately.

would like see to my signature on the original documents from the company listed above that says I'm indeed liable for this debt. 

I would like to see a copy of the original purchase agreement that shows you are legally allowed to collect this debt on behalf of the company listed above. 

I would like to see a copy of the forwarded flow agreement I would like to see a copy of all transactions/statements from open to close of this account. 

I'd like to see proof you are a legal debt collector in the state of Arizona. A copy of your bond that indicates you are indeed licensed to operate in the state of Arizona would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-04-18 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: KS

Complaint narrative:
I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.

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 2025-04-18 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a formal complaint against Equifax for failing to properly investigate multiple disputes I submitted regarding inaccurate information on my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours, claiming the account is accurate without providing any documentation or evidence that a thorough and reasonable investigation was conducted. This violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies perform a reasonable investigation of any item a consumer disputes.

Additionally, Equifaxs actions may be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as referenced in the CFPBs administrative proceeding ( File No. 2025-CFPB-0002 ), which addressed similar misconduct. 

I specifically dispute a collection account from the following entity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I submitted disputes regarding this account on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX To date, Equifax and the creditor have failed to provide any documentation or signed contract showing that I have a legal obligation to this debt. Without such documentation, this entry is unverifiable and should be removed under FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX Consumer Date of Birth : XX/XX/year> Email : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FEDChex Recovery, LLC
State: AZ

Complaint narrative:
I was charged cleaning fees for a rental car I had on XXXX  for a few of days. I had several issues with the car and was told I was going to receive a partial refund. Once my trip ended on XX/XX/year> I was charged different fees for the car and received no refund. I was in communication with someone regarding the issue but they eventually stopped responding to any emails I had sent to them. I wanted more information on the fees and why I was being charged. Before we could come to an agreement I lost communication with them and was then sent to collections before hearing back. However, I would keep receiving emails about the fees and they would briefly state that my credit would be affected by the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of unfamiliar, inaccurate and fraudulent accounts under my name. I am a victim of identity theft, and my information has been used fraudulently. As a result, there is an item on my report that I was never associated with. Following Experian 's guidance, I promptly filed a report with the FTC and submitted all necessary documentation. However, despite my efforts, this fraudulent item remains on my credit report. This is unacceptable.

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 2025-04-18 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:
A collection account with a balance of {$570.00} was added in XX/XX/XXXX and reported as derogatory by TransUnion and Experian. The last updates were made on XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( Experian ). Both reports state the dispute was resolved, but I still disagree with the outcome. I do not recognize this debt, and I have not received any proper validation. I am requesting a reinvestigation and removal of this account from my credit reports if the debt can not be verified, in accordance with the Fair Credit Reporting Act ( FCRA ) 611.

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 2025-04-18 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: NC

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
Please provide the following alleged information to me within thirty ( 30 ) days from receipt of this letter.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC
State: GA

Complaint narrative:
Sometime in late XXXX or early XXXX of XXXX my father challenged a credit card transaction that sent money to JPay. He did it by mistake. JPay locked up the account for my brother a Georgia prison inmate. Once father realized it was a mistake he canceled the challenge on the credit card and immediately contacted Jay pay to try to fix the problem. JPay said to send them money order into Florida and it would process it in a few weeks and the account would have money and he would be able to use it again. They have done nothing other than locked the account up and despite filing numerous customer service tickets and so on no money order has been processed and the account remains locked up. Family members have tried to contact JPay to fix a problem but JPay is unhelpful and has done nothing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: WV

Complaint narrative:
I filed XXXX disputes at credit karma money for transactions I didnt authorize XXXX were from square up they said the one for XXXX wasnt an error but they approved the XXXX dollar XXXX from the same company. Every charge from XX/XX/year> wasnt fraudulent they can go through and get camera footage or whatever none of those were me and they wont fix it told me to call the company and they tell me to call them. Makes no sense why would they credit the XXXX back but not the XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a credit card with American Express. I booked a flight ticket using the card on Amex travel portal a few weeks back. After I decided to upgrade my economy class flight to business class, I reached out to Amex travel team to do the upgrade using my Amex travel rewards points points. 
They connected with me an agent called XXXX. After collecting my request she mentioned I had enough points to do the upgrade and she mentioned my points as XXXX. After I confirmed with her multiple times, I granted permission to do the upgrade. 
Later I was told to call the reward team to apply the points on that transaction. The rewards team confirmed that the agent told me a wrong number as my travel points and made the booking. The transaction was super expensive and I tried to dispute it with Amex team. After checking my chats with the concerned agent, they confirmed the mistake is with the Amex team. 
Despite knowing the mistake is from the ex side, they are not helping me with this transaction. They dont give a XXXX when I tried to reachout to them or call them. I have all the evidences of the chat. It was a fraudulent transaction from Amex

Company response to consumer: Closed with monetary relief