vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
On XX/XX/XXXX, I sent a dispute via certified mail to TransUnion which requested that inaccurate items were removed from my consumer report. 

The accounts in question were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I asked for proof of their investigation and verification of negative accounts. So far they have not sent proof of their investigation nor a verification from any of these accounts within or after the 30 days allotted for this investigation. 

Finally, for XXXX account in particular which TransUnion has failed to verify or provide proof of their investigation, I have found it highly difficult to remove an inaccurate account from XXXXXXXX XXXX XXXX XXXXXXXX. I spoke to TransUnion on XX/XX/XXXX and they specifically asked me to submit proof of my CFBP complaint from XX/XX/XXXX which they would investigate and remove the inaccurate collection from my report. XXXX XXXX XXXX XXXXXXXX has repeatedly opened this particular collection on my report when a Dispute is filed ( which I have done at least 4 times ), and then closed it again after the dispute is completed, again without verification of this debt. This has happened on XXXX separate occasions which is against policies of the FCRA, yet TransUnion continues to allow the creditor to report inaccurate information on my consumer report. Please note that with a completely different Credit Bureau, Equifax, they have done the same thing, opening and closing and reopening this collection during and after disputes, and now continue to keep the collection open while it is showing closed on TransUnion. This is also against FCRA policy. It is my belief that this creditor does not own this account anymore, and are sidestepping their requirement to delete this account, and TransUnion is facilitating that by allowing them to report this without any proof of debt at all. Their repeated opening/closing of this inaccurate account has severely impacted my Credit Score and ability to use my credit.

SEE ATTATCHED : * Screen shots of proof of delivery and pickup of my dispute on XX/XX/XXXX * Screen shot of repeated closings of account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX every time a dispute is completed. 
* XXXX  file of original dispute sent to them on XX/XX/XXXX * Photo of Certified Mail Receipt on XX/XX/XXXX * Photos of proof of identity : My Driver 's License, SSN Card, and a photo of my bank statement with correct address.

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 2025-06-23 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: LA

Complaint narrative:
XXXX XXXX XXXX h

as placed 3 late payments on my credit report. I sent several letters to them asking them to remove immediately because they were not able to provide written record of my payment history. They continue to send letters stating that they are reporting correctly. They have not provided any documentation showing that my payments were late, when I called requesting it through a representative I was told they didnt have access to it. You cant just say that I am late, you must prove that I was late. According to 15 USC 1666b, it states 15 USC 1666b, part of the Truth in Lending Act ( TILA ), outlines rules regarding late payments on credit card accounts under open-end consumer credit plans. Specifically, it addresses the timing of periodic statement delivery and the consequences of late payments. Here 's a breakdown : 21-Day Rule : A creditor can not treat a payment as late for any reason unless they've provided a periodic statement ( including payment information ) at least 21 days before the payment due date. Late Payment Fees : If a late fee is imposed, the periodic statement must clearly display the due date, the late fee amount, and the date the fee will be applied if payment is late. Interest Rate Increases : If late payments can trigger an interest rate increase, the statement must also include a conspicuous notice of this fact, along with the penalty interest rate. Changes to Payment Handling : If a creditor changes their payment address or procedures, they can't impose late fees for 60 days if the change causes a delay in crediting payments. Fair Credit Billing Act ( FCBA ) : The Fair Credit Billing Act ( related to 15 USC 1666b ) provides a process for disputing billing errors, including late payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
I disputed inaccurate information related to a closed XXXX  XXXX XXXX account that is being reported incorrectly on my Experian credit report. 
Specifically : The account number reported by Experian is different from the numbers shown by XXXX  and XXXX. 
The account is marked as Paid, but at the same time shows Charge-off as payment status, which is contradictory. 
Experian reports High Credit as {$0.00}, while the other two bureaus report {$320.00}. 
Dates of last activity and last reporting are inconsistent with other bureaus. 
Comments and status codes conflict with each other and are not consistent across reports. 
These contradictions indicate the information is inaccurate, inconsistent, and unverifiable as required by the Fair Credit Reporting Act. 
I submitted multiple disputes to Experian between XX/XX/XXXX and XX/XX/XXXX, and asked for documentation showing how the account was verified. I specifically requested : Copies of any response from XXXX  XXXX XXXX ( the furnisher ) ; A description of Experians investigation process ( method of verification ), as required by FCRA 611 ( a ) ( 7 ).

Experian closed the investigation and claimed the information was verified, but did not provide any documentation or proof of verification.

Because the account is unverifiable and still contains inaccurate, conflicting information, I am requesting that Experian delete this XXXX  XXXX XXXX account entirely from my credit report, as required under FCRA 611 ( a ) ( 5 ) when data can not be verified I am attaching a screenshot from XXXX showing the inconsistencies across the three bureaus. 

Last complaint number is 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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am writing to formally dispute an inaccurate item on my credit report. The item in question is a repossession account reported by NCB MANAGEMEN SERVICES .The vehicle associated with this account was repossessed and subsequently sold, the amount listed on my credit report does not accurately the proceed from the sale.The car was sold for XXXX yet my credit report show an outstanding balance XXXX. this appears to be incorrect, as it fails to properly account for the actual sale price and any deduction that should applied to the loan balance.. Under the fair credit reporting act. i am requesting a full investigation and correction,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-23 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: VA

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 explanation
Consumer complaint received 2025-06-23 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: VA

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 2025-06-23 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:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I have made multiple attempts to resolve a charge-off Apple Card account by submitting pay-for-delete settlement offers via certified mail to Goldman Sachs Bank USA. These offers were sent in good faith and provided a reduced payment amount in exchange for removal of the negative item on my credit reports. 

Despite confirmed delivery of these letters, I have received no written acknowledgment, counteroffer, or response of any kind from Goldman Sachs. The account continues to be reported to the credit bureaus, causing ongoing harm to my credit, and their failure to respond violates my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
To Whom It May Concern, This is a formal dispute regarding inaccurate and/or unverifiable information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681i , 1681e ( b ), and 1692g ( b ). 
I am requesting an immediate investigation and deletion of the following negative entries due to XXXX or more violations of federal law : Accounts in Violation 1. XXXX  XXXX ( Account # XXXX ) XXXX Violation : 15 USC 1681e ( b ) failure to ensure maximum possible accuracy XXXX Dispute : XXXX day late status is inaccurate or unverifiable 2. XXXX XXXX ( Account # XXXX ) * Violation : 15 USC 1681i ( 5 ) item must be deleted if not verified * Dispute : Marked XXXX days past due while evidence of timely payments exists 3. XXXX XXXX XXXX Account # XXXX ) * Violation : 15 USC 1681s-2 ( a ) failure to report accurate information * Dispute : XXXX late marks are not validated, and the closed account continues to report negatively 4. XXXX XXXX XXXX ( Collection {$360.00} ) * Violation : 15 USC 1692g debt not validated ; 15 USC 1681c obsolete information * Dispute : No debt validation notice was sent, and reporting appears to have occurred without my consent 5. XXXX Bank XXXX XXXX Off {$130.00} ) * Violation : 15 USC 1666b billing error ; 15 USC 1681e ( b ) inaccurate data * Dispute : Charge-off occurred during unresolved billing dispute and without proper notice Applicable Legal Violations * 15 USC 1681i ( 5 ) : Unverified items must be deleted. 
* 15 USC 1681e ( b ) : Credit data must be accurate and complete.

* 15 USC 1681s-2 ( a ) : Data furnishers must provide accurate information.

* 15 USC 1692g ( b ) : Debt collectors must stop reporting when debts are disputed without validation.

* 15 USC 1666b : Billing statements must be sent at least 21 days before due dates.

* 15 USC 1681c : Negative items must not be reported beyond the legal time limit. 
Requested XXXX I am demanding the immediate deletion of the accounts listed above based on FCRA violations and failure to verify the accuracy of the reported information. If you elect not to remove the accounts, I request a copy of the method of verification used. 
A written response must be provided within XXXX XXXX, as required under 15 USC 1681i ( a ). 
Please be advised that failure to comply may result in further legal action, including complaints filed with the FTC and state attorney generals office, and civil litigation under 15 USC 1681n and 1681o, which allow statutory damages of {$1000.00} per violation. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Full Name ] [ Your Contact Information ] ( Signature, if submitting by mail )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
To Whom It May Concern, This is a formal dispute regarding inaccurate and/or unverifiable information being reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681i , 1681e ( b ), and 1692g ( b ). 
I am requesting an immediate investigation and deletion of the following negative entries due to XXXX or more violations of federal law : Accounts in Violation 1. XXXX  XXXX ( Account # XXXX ) XXXX Violation : 15 USC 1681e ( b ) failure to ensure maximum possible accuracy XXXX Dispute : XXXX day late status is inaccurate or unverifiable 2. XXXX XXXX ( Account # XXXX ) * Violation : 15 USC 1681i ( 5 ) item must be deleted if not verified * Dispute : Marked XXXX days past due while evidence of timely payments exists 3. XXXX XXXX XXXX Account # XXXX ) * Violation : 15 USC 1681s-2 ( a ) failure to report accurate information * Dispute : XXXX late marks are not validated, and the closed account continues to report negatively 4. XXXX XXXX XXXX ( Collection {$360.00} ) * Violation : 15 USC 1692g debt not validated ; 15 USC 1681c obsolete information * Dispute : No debt validation notice was sent, and reporting appears to have occurred without my consent 5. XXXX Bank XXXX XXXX Off {$130.00} ) * Violation : 15 USC 1666b billing error ; 15 USC 1681e ( b ) inaccurate data * Dispute : Charge-off occurred during unresolved billing dispute and without proper notice Applicable Legal Violations * 15 USC 1681i ( 5 ) : Unverified items must be deleted. 
* 15 USC 1681e ( b ) : Credit data must be accurate and complete.

* 15 USC 1681s-2 ( a ) : Data furnishers must provide accurate information.

* 15 USC 1692g ( b ) : Debt collectors must stop reporting when debts are disputed without validation.

* 15 USC 1666b : Billing statements must be sent at least 21 days before due dates.

* 15 USC 1681c : Negative items must not be reported beyond the legal time limit. 
Requested XXXX I am demanding the immediate deletion of the accounts listed above based on FCRA violations and failure to verify the accuracy of the reported information. If you elect not to remove the accounts, I request a copy of the method of verification used. 
A written response must be provided within XXXX XXXX, as required under 15 USC 1681i ( a ). 
Please be advised that failure to comply may result in further legal action, including complaints filed with the FTC and state attorney generals office, and civil litigation under 15 USC 1681n and 1681o, which allow statutory damages of {$1000.00} per violation. 
Thank you for your prompt attention to this matter. 
Sincerely, [ Your Full Name ] [ Your Contact Information ] ( Signature, if submitting by mail )

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 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I received an email alert from my XXXX XXXX account saying my credit score had dropped about XXXX points. Of course, I immediately went to look into it, and I found out it was from a company called Credence Resource Management, for the amount of {$690.00}. I had no idea what this was, so I called the company and they told me it was a XXXX XXXX that was never paid. I have never had XXXX, so I asked them if they were sure it was under my name, and they said yes, and they told me it was acquired in XXXX  and under my ex fiancs address in XXXX XXXX XXXX I told the company that it was my ex fiances address, but I had never set that up under my name and that I had never had any part of XXXX and that it must be a mistake, but they told me I still needed to pay for it. I told them I would speak with my ex to see what this was about and if needed, he could start setting up payments because Im already struggling financially as is. He admitted that he had set it up under my name without my knowledge and he had done it out of spite. I paid for our XXXXXXXX XXXX XXXX XXXXXXXX  during our relationship so why would I pay for a service we never had or used? He must have done it during XXXX of our break ups on and off, during the years is what I am guessing. My ex also abruptly stated that theres no way he would pay for it. I can barely afford to live right now, I dont need his debt as well as mine. I spoke to a local banker about what I should do and he suggested that I file a complaint with the credit bureau, which I am doing right now. The banker also told me that XXXX or Credence Resource Management will need proof and a voice recording of me setting this up, which I know they do not. I really hope this debt can be eliminated and/or shifted to my ex. Thank you so much for your time and grace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NV

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief