vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
Subject : XXXX Credit Card Inaccurate Late Payment ( XX/XX/XXXX ) Reported by TransUnion Despite XXXX Confirmation of No Delinquencies Complaint Description : I am submitting this formal complaint regarding a false late payment reported for XX/XX/XXXX on my XXXX credit card account, which continues to appear on my TransUnion credit report despite multiple attempts to correct the error. 

Timeline of Dispute Attempts : ALL PROOF ATTACHED XX/XX/XXXX Certified letter sent to TransUnion disputing the inaccurate late payment. No response received. 
XX/XX/XXXX XXXX certified letter sent to TransUnion. No response. 
XX/XX/XXXX XXXX certified dispute sent to TransUnion. No response. 
XX/XX/XXXX Certified letter sent to XXXX requesting verification and correction of the account. 
XX/XX/XXXX XXXX responded via email, stating : As of XX/XX/XXXX, there are no delinquencies being reported to the credit bureaus. 
I submitted this documentation to TransUnion via their website. No response or correction was made. 
XX/XX/XXXX A second certified letter was sent to XXXX, requesting they take direct action to fix the error with TransUnion. No action taken by either party. 

Ongoing Harm and Violations : This inaccurate reporting continues to damage my credit score, resulting in credit denials and financial hardship. 
I have experienced severe stress as a result of this prolonged dispute. 
I have incurred out-of-pocket costs totaling over {$500.00}, including certified mail, printing, internet access, and administrative time. 
I have exhausted all reasonable steps to resolve the issue privately. 

Legal Basis and Remedy Sought : Pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ), 1681n, and 1681o, I am entitled to : The correction or deletion of any information that is found to be inaccurate or unverifiable after investigation. 
Potential statutory and actual damages for negligent or willful noncompliance. 

Requested Resolution : 1. Immediate removal of the inaccurate XX/XX/XXXX late payment from my TransUnion credit report. 
2. Written confirmation from both XXXX and TransUnion that the error has been corrected. 
XXXX. Full explanation from TransUnion as to why no action has been taken after three certified mailings and an online dispute. 
4. Reimbursement of {$1000.00} for damages, including : o Over {$500.00} in direct costs incurred o Credit denials and financial stress o Emotional hardship and time lost This matter has remained unresolved for over a year, and I am now formally requesting that the Consumer Financial Protection Bureau investigate and assist in the resolution of this ongoing and harmful credit reporting error. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IL, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] [ XXXX XXXX  ] Re : Dispute of Inaccurate Information on My Credit Report Fair Credit Reporting Act Disputed Item : ( XXXX XXXX ) Dear Sir or Madam, I am writing to formally dispute an item on my credit report under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that any inaccurate or incomplete information be investigated and corrected by the credit reporting agency. This account is listed as a collection/charged off account on my credit report but I have never received a 1099c for this charged off debit. Can you please provide me with a 1099c to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately The disputed item, [ XXXX XXXX ], appears on my credit report and is incorrect. Specifically, I believe that this item is inaccurate As required by FCRA, I request that you investigate this item and provide me with proof of the accuracy of this information. Specifically, I request documentation of the contact or transaction bearing my signature that validates the reported debt. This documentation is crucial in verifying the legitimacy of this entry on my credit report. Please note that under Section 1681i, you are required to complete this investigation within 30 days and notify me of the results. If this item is found to be inaccurate or incomplete, I request that it be removed or corrected immediately. I look forward to your prompt attention to this matter and expect a resolution within the required 30-day period. Thank you for your cooperation. Sincerely, [ 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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is an alleged credit card debt from Capital One account # XXXX open on XX/XX/year>, in the amount of {$700.00} this is not an account I remember making I asked for verification and validation and never received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
On around XXXX and now they end of XXXX I had unauthorized charges from XXXX XXXX totaling over XXXX I've had my phone and wallet stolen and was retrieved at the police station I've reported this it took less then a day for my claim for fraud to be done today saying to contact the bank my bank is you guys so anyway another separate incident costing me over draft charges of now XXXX for them reversing a charge I received XXXX. Client already of XXXX he stated he never received the refunded funds either then my account to be negative because my claim was accepted I received the refund and they reached back in and made my account negative and illegally transferred funds from my other XXXX XXXX if I'm not refunded in full to my cash app with in a week of all these fund that are missing I was denied or told to contact another place I will be pressing charges and XXXX as well I've moved all my cards off cash due to this I've has a good standing of over XXXX every year I use threw cash for my self employment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> To Whom This may concern I have recently pulled my credit report and noticed that there is a collection for XXXX listing from ur agency. l have never been notified of this collection action or that i owed debt. This letter is to inform you that i have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that i am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. Please attach copies or the following documents Agreement that you have authority to collect on alleged debt. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that amount you wish to collect is correct I hope your legal staff will agree that noncompliance with this request in serious legal trouble for your company Pursuant to the fair debt collection practices act ( FDCPA ) 15 U.C. 1692g.

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 2025-03-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have tried to use it for airline flights on XXXX and it would not accept the card. I tried calling XXXX, and could not get with a person. 
I tried to use the card with XXXX XXXX.For a cruise I reserved, but XXXX XXXX would not take the card either. 
I have tried calling XXXX XXXX to pay on the phone, but I could not get to a person that could help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the account I have marked as inaccurate. 

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 non-monetary relief
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am disputing an invalid account reported by on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing an invalid account reported by on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: GA

Complaint narrative:
I am writing to formally dispute multiple inaccuracies and inconsistencies in my credit report that your bureau continues to report despite my repeated attempts to correct them. These errors include incorrect personal informationsuch as outdated variations of my name, address, and phone numberas well as inaccurate reporting on several accounts, including 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 reflect erroneous details regarding balances, payment history, charge-offs, and delinquencies, and their continued reporting violates my rights under the Fair Credit Reporting Act ( FCRA ). Since XXXX, I have submitted multiple disputes with documentation, yet no meaningful corrective action has been taken. This lack of compliance with FCRA 1681i, 1681s-2 ( a ), and 1681b has resulted in significant financial and emotional harm, including denial of loans and increased interest rates. I am requesting immediate removal of all incorrect personal data, correction or deletion of the disputed accounts, written confirmation of these corrections, and a recalculation of my credit score to reflect the accurate information. If this matter is not resolved within 15 days, or by XX/XX/XXXX, I will take further action, including legal proceedings and a complaint to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
XXXX do not want to removed XXXX late payments that has been placed wrongfully and not comply with the Federal Law and I am writing to formally dispute the reporting of late payments on my credit report for the account XXXX XXXX XXXX Pursuant to 15 U.S.C. 1666b ( a ) and 15 U.S.C. 1608b of the Fair Credit Billing Act ( FCBA ), creditors are required to follow proper billing error resolution procedures and timelines before reporting derogatory information to credit bureaus. 
They XXXX  failed to comply with these legal requirements before reporting late payments to your bureau. Specifically, the law mandates that creditors allow consumers a reasonable time to dispute billing errors before reporting adverse information. However, in my case the creditor reported a late payment while my dispute was still under investigation '' or " I was not given the legally required period to rectify the alleged billing error. 
Under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA, due to this matter and remove the incorrect late payment entries from my credit report. 
Confirmation number : XXXX Submitted XX/XX/year> Under investigation Completed XX/XX/year> Confirmation number : XXXX Submitted XX/XX/year> Under investigation Completed XX/XX/year> Confirmation number : XXXX Submitted XX/XX/year> Under investigation Completed XX/XX/year> confirmation number : XXXX Submitted XX/XX/year> Under investigation Completed XX/XX/year> All my disputes has been closed with no investigation and i been requesting all the paperwork but the supervisor said that XXXX do not have to provide me any information by paper for my request .as well they refused to let me upload any letter and on XX/XX/year> they open and closed my dispute in the same day.

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 2025-03-27 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: TX

Complaint narrative:
Complaint Against TransUnion for Unlawful Reinsertion of Fraudulent Collection Dear Consumer Financial Protection Bureau, I am filing this formal complaint against TransUnion for unlawfully re-reporting a fraudulent collection account on my credit report, despite clear evidence proving that the debt does not belong to me. TransUnion had previously removed this account after I provided my Identity Theft Report, yet they have now wrongfully reinserted it without proper verification in violation of the Fair Credit Reporting Act ( FCRA ). 

This account is fraudulent, as the Social Security number and identification associated with it do not belong to me. I have already submitted all necessary documentation to prove this, yet TransUnion has allowed the account to be reinserted without any legitimate verification. This is a direct violation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which mandates that a credit bureau must notify the consumer and ensure proper verification before reinserting an account that was previously removed. 

TransUnions actions are reckless, negligent, and unlawful. Their failure to properly investigate and their blatant disregard for my legal rights under the FCRA have caused significant harm to my credit profile and financial well-being. 

I am requesting the CFPBs intervention to ensure that : This fraudulent collection account is immediately and permanently removed from my credit report. 
TransUnion provides a written explanation of how and why this account was reinstated despite clear evidence of fraud. 
TransUnion is held accountable for violating federal credit reporting laws and disregarding my rights as a consumer. 
I appreciate the CFPBs prompt attention to this matter and request a full investigation into TransUnions handling of this case.

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 2025-03-27 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:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-03-27 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: VA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-03-27 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: MA

Complaint narrative:
Formal Dispute of Inaccurate Charge-Off Reporting Dear [ experian, trans Union , equifax ] , I am writing to formally dispute the reporting of charge-off accounts on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Upon reviewing my credit report dated [ date ], I noticed that the account in question is reported inaccurately, and I request a thorough investigation into this matter. 

Account Information : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX, XXXX, XXXX, Date of Charge-Off unknown Specific Issues with the Charge-Off Reporting : [ Clearly describe the issue. Examples might include : The reported balance is incorrect. 
all of the info is inaccurate, everyone is reporting different stuff, balance needs to be XXXX, this is not my debt Under the FCRA, you are required to ensure that the information you report is accurate and verifiable. Additionally, 15 U.S.C. 1681i mandates that credit reporting agencies investigate disputes within XXXX  days of receiving notice. If the information can not be verified or is found to be inaccurate, it must be corrected or deleted promptly. 

Please conduct a detailed investigation of this matter and provide a written response with your findings. If the charge-off is determined to be inaccurate or unverifiable, I expect it to be removed of my credit report. I also request that an updated copy of my credit report reflecting any changes be sent to me at the address listed above. 

Should you fail to resolve this dispute adequately, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my XXXX XXXX XXXX XXXX, and other relevant regulatory bodies.

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 2025-03-27 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: MI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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