vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
Identity Theft due to Information being exposed in data breach XXXX XXXX, XXXX : XXXX, XXXX  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 collection account at XXXX XXXX XXXX XXXX XXXX opened on XX/XX/scrub>XXXX XXXX XXXX XXXX  acct XXXX XXXX opened XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The mentioned collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 2025-01-31 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: AZ

Complaint narrative:
Identity Theft due to Information being exposed in data breach XXXX XXXX, XXXX : XXXX, XXXX  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 collection account at XXXX XXXX XXXX XXXX XXXX opened on XX/XX/scrub>XXXX XXXX XXXX XXXX  acct XXXX XXXX opened XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections as reported. The mentioned collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$590.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$27000.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$0.00} XXXX XXXX XXXX Account XXXX or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$9500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 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: DC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX  CARDS SOLD MY INFORMATION TO XXXX PARTIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of late-payment information appearing on my Equifax credit report concerning my child support/Office of the Attorney General ( OAG ) account. Specifically, the report inaccurately indicates I was late in XX/XX/year> and XX/XX/year>, which contradicts both my payment history and other records. 

Reason for Dispute & Supporting Details Timely Payments : I made my XXXX and XX/XX/year> child support payments on time, and my ex-spouse received them without delay. There was no indication from the Office of the Attorney General or my ex-spouse that I was ever late. 
Discrepancies Among Credit Bureaus and OAG Records : XXXX : Does not reflect late payments for XXXX or XX/XX/year>. 
XXXX : Reflects only XXXX as being late ( further contradicting Equifaxs assertion that both XXXX and XXXX were late ). 
OAG Child Support Office Inconsistency : Their records ( or certain documentation from that office ) list the XX/XX/year> payment as XXXX  days late, yet the official OAG account/payment history does not corroborate this alleged lateness. This internal inconsistency within OAGs own system underscores the error in EquifaxXXXX reporting. 
These inconsistencies suggest a fundamental error in how Equifax is receiving or interpreting data related to this child support account. 

Legal Basis for Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any information in my credit file that I believe to be inaccurate or incomplete. Upon receipt of this dispute, Equifax is required to : Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) : Equifax must investigate my dispute and verify the accuracy of the reported information with the furnisher ( the OAG ).

Correct or Delete Inaccurate Data ( 15 U.S.C. 1681s-2 ( b ) ) : Data furnishers are legally obligated to correct or delete information that they can not verify as accurate or that is found to be inaccurate. 
Because the information regarding alleged late payments for XXXX and XX/XX/year> is inaccurate, I request that Equifax : Conduct a Prompt Reinvestigation : Verify the payment history and dates with the Office of the Attorney General, ensuring they can substantiate each reported late payment. 
Delete or Correct the Inaccurate Late-Payment Notations : If the OAG can not prove these late payments occurredor if they confirm timely receiptEquifax must remove or correct the negative marks from my credit file. 
Provide Written Confirmation : Once corrected or removed, please provide me with an updated copy of my Equifax credit report indicating these inaccuracies have been resolved. 
Should Equifax fail to correct or remove this inaccurate reporting, I will pursue any additional remedies provided under federal law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open

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 2025-01-31 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: LA

Complaint narrative:
Dispute of Inaccurate Late Payment XXXX XXXX XXXX, Account No. XXXX To Whom It May Concern, I am submitting this dispute to formally challenge inaccurate late payment information reported by XXXX XXXX XXXX on my consumer credit file. 

Upon reviewing my credit reports, I discovered incorrect late payment marks associated with Account XXXX. XXXX. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i ( a ) ( 2 ) ( A ) and 1681 ( 2 ) ( Xi ) to dispute and request a reinvestigation of any inaccurate or incomplete information. 

Disputed Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Issue : Incorrect late payment reported as XXXX days late for XX/XX/year> Additional Discrepancies : Incorrect XXXX, XXXX, and XXXX late marks for prior months ( XXXX, XXXX, and XX/XX/year> ) Request : Immediate correction and removal of late payment history Basis for Dispute : XXXX. The reported XXXX late payment for XX/XX/year> is inaccurate. 
XXXX. The prior reported late payments ( XXXX, XXXX, and XXXX days late for XXXX, XXXX, and XX/XX/year> ) do not accurately reflect my payment history. 
XXXX. My last recorded payment was made on XX/XX/year>, and my account was last active on XX/XX/year>. 
XXXX. The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy ( 1681 ( 2 ) ( Xi ) ). If this information is inaccurate or unverifiable, it must be removed or corrected immediately.

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 2025-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
XX/XX/XXXX I had {$3200.00} held in my Chase Bank account for a legal order. XX/XX/XXXX the funds were instructed to be released back to my account per issuing attorney. XX/XX/XXXX collecting XXXX also sent a release of funds and on XX/XX/XXXX XXXX confirmed with XXXX release of funds had been received and would be processed within XXXX to XXXX business days. Issuing XXXX spoke with Chase bank Chase did not have the release of funds. XXXX was told if documentation was faxed over to Chase by XXXX XXXX the release would be processed immediately. XXXX XXXX resent the release today, XX/XX/XXXX on the conditions set by Chase and funds are still held. XXXX spoke to Chase again today at XXXX XXXX and XXXX XXXX told it would take XXXX business days to process release. Chase has been holding my funds in error for over a week. Chase was informed these funds were issued to XXXX treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I checked my credit report this morning, I was alarmed to see an unauthorized inquiry that I did not recognize. I check my report regularly, and this was never there before. I attempted refreshing my browser, thinking it might be an error, but the inquiry remained. This is extremely upsetting, and I expect this issue to be resolved without delay. Please review my submitted documents thoroughly so I dont have to deal with this stress any longer.

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 2025-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Transworld Systems for failing to validate an alleged debt, in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ). 

I initially disputed this account and requested debt validation from Transworld Systems under 15 U.S.C. 1692g ( a ), which requires debt collectors to provide verification of a debt upon request. However, Transworld Systems failed to supply proper documentation proving the validity of this debt. Despite my request, the company continues to report this unverified account to consumer reporting agencies, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or unverifiable information. 

Additionally, under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information, and the furnisher must conduct a reasonable investigation. Since Transworld Systems has failed to provide proper validation or remove the unverified account, I believe they are in violation of their legal obligations. 

I am requesting that the CFPB investigate Transworld Systems for non-compliance with federal credit laws and take appropriate enforcement action. I further request that this account be removed from my credit report if they can not provide proper validation. 
I appreciate your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Dispute of Late Payment Entries Due to Non-Compliance with 15 USC 1666b** To Whom It May Concern, I am writing to formally dispute the late payment entries reported on my credit report for the following months, which I have paid on time : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. 

According to 15 USC 1666b ( a ), a creditor may not report a payment as late unless they have adopted reasonable procedures to ensure that the periodic statement, including the information required under section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days before the payment due date. I have requested proof from XXXX XXXX XXXX that the required statements and disclosures were mailed or delivered 21 days before the payment due date, but to date, I have not received any such proof. 
Since this information was not provided, I am asserting that the late payment entries were reported incorrectly and in violation of federal law. This practice is unfair, illegal, and not equitable to me as a consumer. I am requesting that you remove the late payment entries for the specified months from my credit report immediately. 
I appreciate your prompt attention to this matter and look forward to your timely resolution of this dispute. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I was getting random {$19.00} charges every day on my Navy Federal Card that I wasnt authorizing about a year ago and now my account has been closed and Im {$130.00} in the negative. I brought this to the attention of the NFCU support team and nothing was done in response. I still owe {$130.00} to this day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 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: CA

Complaint narrative:
Subject : Demand for Immediate Deletion of Inaccurate and Unverifiable Accounts TransUnion Violation of FCRA To Whom It May Concern, I am filing a formal complaint against TransUnion for its failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite my previous disputes, TransUnion has failed to correct or delete the following inaccurate or unverifiable accounts, leaving them unresolved on my credit file : XXXXXXXX XXXX  ( Account # XXXX ) Opened XX/XX/XXXX, XXXX : {$11000.00} XXXX. XXXX OF XXXX ( Account # XXXX ) Opened XX/XX/XXXX, Balance : {$18000.00} XXXX. XXXX XXXX ( Account # XXXX ) Opened XX/XX/XXXX, XXXX : {$1900.00} XXXX. XXXX XXXX ( Account # XXXX ) Opened XX/XX/XXXX, XXXX : {$6700.00} XXXX. XXXX XXXX ( Account # XXXX ) Opened XX/XX/XXXX, Balance : {$840.00} Under 15 U.S.C. 1681i ( a ) ( 5 ) of the FCRA, TransUnion is legally required to delete any disputed information that can not be verified within the prescribed timeframe. Since TransUnion has failed to provide verification or conduct a reasonable reinvestigation, I am demanding the immediate deletion of these accounts from my credit report. 

Failure to comply with this demand will leave me no choice but to escalate this matter by seeking legal action and filing complaints with the my State Attorney Please provide me with written confirmation of the deletion of these accounts within 15 days of receiving this letter. If any of these accounts remain on my report, provide detailed documentation of their verification, including the method and sources used. 

Thank you for your immediate attention to this matter. I expect a timely response.

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 2025-01-31 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

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 2025-01-31 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: CA

Complaint narrative:
I was reviewing my credit report and came across something that doesnt belong there. Theres an item listed that I dont recognize and never authorized. I have no connection to it, and its bringing my credit score down unfairly.

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