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

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 : 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  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-04-04 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: NJ

Complaint narrative:
This Account is incorrect, since i do not recognize this account please investigate and delete Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
This Account is incorrect, since i do not recognize this account please investigate and delete Account : 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XXXX/XXXX/200 Experian : XXXX XXXX XXXX, XXXX XXXX TX XXXX RE : Unauthorized Inquiries, Unauthorized late payments, incorrect information I am sending this letter to dispute seven inaccurate inquiries, two late payments and incorrect personal information that was authorized. Please remove it from my Experian credit report as soon as possible. I have never given my permission to report these information on my credit report. No consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ).

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 2025-04-05 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1999 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 2025-04-04 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: NY

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

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

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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

Complaint narrative:
I am writing to formally dispute the continued reporting of a charged-off account on my credit report. According to the IRS, an unpaid charge-off is considered income, and under the Fair Credit Reporting Act ( FCRA ), income can not be reported on a credit report. I received a XXXX ( Cancellation of Debt ) for the following charged-off account ( s ) : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Charge-Off Amount : {$18000.00} Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX {$1600.00} Upon reviewing my most recent credit report, I found that this account is still being reported as a charge-off. Since the debt has been canceled and reported as income to the IRS, it should no longer be reflected as a delinquent or charged-off account on my credit file. Under the FCRA, credit reporting agencies and furnishers are required to ensure the accuracy of reported information. Reporting a canceled debt as a charge-off is inaccurate and misleading, and I am requesting its immediate removal from my credit report. Please cease the reporting of this account and delete it from my credit file immediately. I request written confirmation of the account 's removal within 30 days. Thank you for your prompt attention to this matter. If you require additional information, please contact me at the phone number or email listed above.

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 2025-04-04 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: MA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

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 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Amsher Collection Services is reporting a collection account to both XXXX and XXXX that is factually and legally inaccurate. The account was allegedly opened on XX/XX/year>, yet is reported as a collection account by XX/XX/year>, just two months later, with no payment history or validation ever provided. The reporting timeline is impossible and violates multiple consumer protection laws : FCRA 623 ( a ) ( 5 ) inaccurate status/date reporting FCRA 604 ( b ) no permissible purpose to furnish or report this data FDCPA 809 ( b ) no legal debt validation was provided FCRA 605B I am invoking my right to block this unauthorized account Metro 2 Compliance illegal sequence and status reporting This account is damaging my credit on both XXXX and XXXX, and I have never received legal validation. I have sent Amsher a cease and desist/block notice demanding permanent deletion and a 15-day deadline to comply. I also demand they do not report this account to XXXX or any other credit bureau now or in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 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: CA

Complaint narrative:
XXXX XXXX reported late payments and a charge-off on my XXXX credit file. The account shows XXXX derogatory months and states " {$6700.00} written off '' despite being paid and closed. I have never been late, and this reporting is inaccurate and unjustified. 

I disputed this through the credit bureau and requested all documentation verifying the negative marks, including full payment history, creditor communication, and proof justifying acceptance of XXXX claim. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX & XXXX ( b ) ), bureaus must ensure maximum possible accuracy and complete reinvestigations within XXXX days. Yet the inaccurate reporting remained, with no substantive response or correction. 

I also raised a critical consumer protection concern : Why is information from furnishers accepted and published instantlywithout consumer verificationwhile disputes from consumers are delayed XXXX days and rarely corrected without evidence we often do not possess? 

This imbalance undermines the intent of both the FCRA and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, designed to protect consumers from inaccurate and harmful credit reporting practices. 

I am demanding full redress : correction of the false data, an updated report, and proof of reinvestigation.

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 2025-04-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On or about XX/XX/XXXX I received an email from Citizens bank regarding a promotion called the " Celebrate World Savings Day ''. In the email ( I've attached the email ) it stated that if I deposited {$10000.00} before XX/XX/XXXX and kept the funds in that account till XX/XX/XXXX, I would receive a {$400.00} promotional bonus into my checking account by the end of the business day on XX/XX/XXXX. On XX/XX/XXXX I went to the Citizens Bank XXXX XXXX, NY location on XXXX XXXX and was assisted by a banker ( I believe her name was XXXX XXXX. She looked over the email and agreed this email was intended for me and my account. She assisted me in setting up a new savings account and that {$10000.00} was deposited into that account. Fast forward to XX/XX/XXXX, I noticed i did not receive my promotional bonus {$400.00}. I again went into the local XXXX XXXX, NY branch and spoke with XXXX XXXX on XX/XX/XXXX. I explained the situation, and he did agree with me that i should have received the bonus. He sent an email to marketing and expected a resolution by XX/XX/XXXX or XXXX. I again went to that branch today, XX/XX/XXXX at approx XXXX p.m. and spoke to XXXX again. He seemed perplexed as to why I haven't received the bonus yet and began a " chat '' with Marketing. It has not been resolved yet and i believe Citizens Bank is attempting to defraud me. I would appreciate assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I noticed on my credit report that I had a charge of {$3900.00} and I was not aware of this collection its not mine I have been a victim of identity theft I have a identity theft report as well as police report my phone was taken with information that included information such as my id and pictures of me and my kids social security numbers I was never made aware of this debt to dispute also the debt is under name XXXX XXXX my name is XXXX XXXX

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

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-04-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
Not disclosing the increase in monthly fees and annual fees

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 2025-04-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
This company has used my name and likeness without my consent and negatively affected my business and credit scores by reporting false information used by a stolen identity. I do not have a contract with company filing false reports using information from identity theft.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX These accounts were originally removed from my credit report on XX/XX/year>. EXPERIAN, EQUIFAX AND TRANSUNION had responded through the CFPB portal confirming that they were deleted. On XXXX XXXX they were reinserted. Given that these accounts were previously removed and confirmed as such, I respectfully request that they be permanently removed from my credit report. The re-reporting of these accounts is incorrect and should not be reflected in my current credit file. 

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 XXXX XXXX XXXX. 

XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX. XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-04-05 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: PA

Complaint narrative:
XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX These accounts were originally removed from my credit report on XX/XX/year>. EXPERIAN, EQUIFAX AND TRANSUNION had responded through the CFPB portal confirming that they were deleted. On XXXX XXXX they were reinserted. Given that these accounts were previously removed and confirmed as such, I respectfully request that they be permanently removed from my credit report. The re-reporting of these accounts is incorrect and should not be reflected in my current credit file. 

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 XXXX XXXX XXXX. 

XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX. XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-04 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: TX

Complaint narrative:
XXXX XXXX credit card with XXXX was charged off but they refuse to give me a XXXX. There is a balance of XXXX dollars on the account. Requesting removal due reporting incorrectly to my credit report. I will be reporting fraud and seek legal action if not deleted.

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