vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX Bondage and would like for all listed items to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2025-03-19 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: CT

Complaint narrative:
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the validity of the invalidated items below XXXX. XXXX XXXX Account Number : XXXX Items Highly Requested The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The Valid documentation used to validate the dispute. 


Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 



IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681 n and 15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FCRA and pursue legal action. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TN

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MO

Complaint narrative:
Subject : Request for Removal of Inaccurate Account Reporting XXXX XXXX Dear Credit Bureau I am writing to formally request the removal of an inaccurately reported late payment on my credit report regarding my XXXX XXXX account. The reported late payment is incorrect, as there was no late payment due on the account. Furthermore, XXXX XXXX failed to comply with the procedures outlined in 15 U.S.C. 1666b regarding the proper reporting and notification of late payments.

According to 15 U.S.C. 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless they have mailed or delivered a billing statement at least 21 days before the payment due date : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that periodic statements are mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX failed to follow this requirement, making their reporting of a late payment inaccurate and unlawful. Due to this violation of federal law, I am requesting the immediate removal of the XXXX XXXX account from my credit report. 

Additionally, these late payments have been reported inaccurately on my credit report, and the law clearly states that all information on a consumers credit report must be reported accurately. As this inaccurate information is in direct violation of the Fair Credit Reporting Act ( FCRA ), I request that all late payments be removed from this account and that the account itself be deleted from my credit report. 

If XXXX XXXX claims that they have followed the proper procedures under this law, they must provide documented proof of compliance, including verifiable evidence such as a tracking number or other confirmation that the required notice was delivered. If they are unable to provide such documentation, then this inaccurate reporting must be deleted from my account immediately. 

Please investigate this matter and correct this inaccuracy as required by federal law. I expect a written confirmation of the removal of this account and all associated late payments from my credit report within the legally required timeframe. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Attached, you will find supporting documentation regarding this dispute. Please update my records accordingly and provide written confirmation upon resolution. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

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

Company 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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I received email notification from XXXX XXXX on XX/XX/XXXX that remarks were changed on my credit report about an account previously held with XXXX XXXX XXXXXXXX. In inspecting this change I noticed several negative changes to my credit score and report due to this account. The account now lists Date of first delinquency more than 1 year after the closing of the account. The account was closed by the grantor on XX/XX/XXXX and is stated on the credit report. This was due to delinquency leading to account closure and then charged off. The first missed payment however, is now being reported as XX/XX/XXXX. I disputed this information on XX/XX/XXXX with XXXX XXXX XXXXXXXX, XXXX, and Equifax. All disputes returned by XX/XX/XXXX with the comment that this information is accurate and would not be removed from credit report. The balance left on the card was already in dispute originally with the bank as there was fraud on the account that lead to them allowing it be overdrawn significantly and despite having to pay that back, the remaining balance was accumulated late fees, overdrawn fees, and misc. processing fees. I refused to pay the additional fees as I was forced to pay fraudulent charges that they allowed to overdraw my account by nearly {$1000.00} beyond its approved limit. Subsequently, it was charged off. This is now an obvious attempt at re-aging the account to continue reporting negatively against consumers they can not collect from and violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I received email notification from XXXX XXXX on XX/XX/XXXX that remarks were changed on my credit report about an account previously held with XXXX XXXX XXXX. In inspecting this change I noticed several negative changes to my XXXX XXXX and report due to this account. The account now lists Date of first delinquency more than 1 year after the closing of the account. The account was closed by the grantor on XX/XX/XXXX and is stated on the credit report. This was due to delinquency leading to account closure and then charged off. The first missed payment however, is now being reported as XX/XX/XXXX. I disputed this information on XX/XX/XXXX with XXXX XXXX XXXXXXXX, Transunion, and XXXX. All disputes returned by XX/XX/XXXX with the comment that this information is accurate and would not be removed from credit report. The balance left on the card was already in dispute originally with the bank as there was fraud on the account that lead to them allowing it be overdrawn significantly and despite having to pay that back, the remaining balance was accumulated late fees, overdrawn fees, and misc. processing fees. I refused to pay the additional fees as I was forced to pay fraudulent charges that they allowed to overdraw my account by nearly {$1000.00} beyond its approved limit. Subsequently, it was charged off. This is now an obvious attempt at re-aging the account to continue reporting negatively against consumers they can not collect from and violation of the FCRA.

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 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I received email notification from XXXX XXXX on XX/XX/XXXX that remarks were changed on my credit report about an account previously held with Bank of America. In inspecting this change I noticed several negative changes to my XXXX XXXX and report due to this account. The account now lists Date of first delinquency more than 1 year after the closing of the account. The account was closed by the grantor on XX/XX/XXXX and is stated on the credit report. This was due to delinquency leading to account closure and then charged off. The first missed payment however, is now being reported as XX/XX/XXXX. I disputed this information on XX/XX/XXXX with Bank of America, XXXX, and XXXX. All disputes returned by XX/XX/XXXX with the comment that this information is accurate and would not be removed from credit report. The balance left on the card was already in dispute originally with the bank as there was fraud on the account that lead to them allowing it be overdrawn significantly and despite having to pay that back, the remaining balance was accumulated late fees, overdrawn fees, and misc. processing fees. I refused to pay the additional fees as I was forced to pay fraudulent charges that they allowed to overdraw my account by nearly {$1000.00} beyond its approved limit. Subsequently, it was charged off. This is now an obvious attempt at re-aging the account to continue reporting negatively against consumers they can not collect from and violation of the FCRA.

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 2025-03-19 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:
Dear Consumer Financial Protection Bureau, I am submitting this final enforcement request regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusal to correct FCRA violations despite my previous CFPB complaint. This ongoing non-compliance requires immediate regulatory enforcement. 

Prior CFPB Complaint Was Ignored I previously filed a formal CFPB complaint regarding inaccurate reporting of charge-offs and collection accounts. 
Despite the CFPBs involvement, all three furnishers failed to correct the violations. 
This constitutes willful non-compliance under FCRA 15 U.S.C. 1681n, making them legally required to delete the inaccurate accounts. 
Accounts in Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Status : Charge-Off Balance Reported : {$870.00} ( Should be {$0.00} ) Balance Last Updated : XX/XX/year> Why These Accounts Must Be Deleted Immediately FCRA 15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) : A charge-off sold to a collection agency must show a {$0.00} balance with the original creditor. XXXX XXXX XXXX XXXX XXXX are violating this requirement by misreporting the balance. 
FCRA 15 U.S.C. 1681i ( Failure to Investigate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to conduct a proper reinvestigation despite my dispute and the CFPBs previous complaint process.

Double Reporting & Misleading Credit Damage : Both the charge-off & collection agencys account are reporting the same debt, which inflates my debt-to-credit ratio and artificially lowers my credit score. 
FCRA 15 U.S.C. 1681n ( Right to Sue for Damages ) : Since these furnishers knowingly continue to report false information, I now have the right to pursue legal action against them for actual & statutory damages ( {$1000.00} per violation ).

FDCPA 15 U.S.C. 1692g ( Debt Validation Requirement Collection Accounts ) : XXXX XXXX XXXX has not provided sufficient validation proving they own the debt. 
If a collection agency can not validate a debt, they must delete it. 
FINAL DEMAND CFPB ENFORCEMENT REQUIRED The CFPB must immediately require XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : XXXX Immediately delete all three charge-off and collection accounts from all credit reports ( Experian, Equifax, and TransUnion ) .

2 Provide written confirmation that these accounts have been permanently removed. 
XXXX Cease all further reporting of these accounts to any credit bureau.

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 2025-03-19 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this final enforcement request regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refusal to correct FCRA violations despite my previous CFPB complaint. This ongoing non-compliance requires immediate regulatory enforcement. 

Prior CFPB Complaint Was Ignored I previously filed a formal CFPB complaint regarding inaccurate reporting of charge-offs and collection accounts. 
Despite the CFPBs involvement, all three furnishers failed to correct the violations. 
This constitutes willful non-compliance under FCRA 15 U.S.C. 1681n, making them legally required to delete the inaccurate accounts. 
Accounts in Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Status : Charge-Off Balance Reported : {$870.00} ( Should be {$0.00} ) Balance Last Updated : XX/XX/year> Why These Accounts Must Be Deleted Immediately FCRA 15 U.S.C. 1681s-2 ( Furnisher Responsibilities ) : A charge-off sold to a collection agency must show a {$0.00} balance with the original creditor. XXXX XXXX XXXX XXXX XXXX are violating this requirement by misreporting the balance. 
FCRA 15 U.S.C. 1681i ( Failure to Investigate ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to conduct a proper reinvestigation despite my dispute and the CFPBs previous complaint process.

Double Reporting & Misleading Credit Damage : Both the charge-off & collection agencys account are reporting the same debt, which inflates my debt-to-credit ratio and artificially lowers my credit score. 
FCRA 15 U.S.C. 1681n ( Right to Sue for Damages ) : Since these furnishers knowingly continue to report false information, I now have the right to pursue legal action against them for actual & statutory damages ( {$1000.00} per violation ).

FDCPA 15 U.S.C. 1692g ( Debt Validation Requirement Collection Accounts ) : XXXX XXXX XXXX has not provided sufficient validation proving they own the debt. 
If a collection agency can not validate a debt, they must delete it. 
FINAL DEMAND CFPB ENFORCEMENT REQUIRED The CFPB must immediately require XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to : XXXX Immediately delete all three charge-off and collection accounts from all credit reports ( Experian, Equifax, and TransUnion ) .

2 Provide written confirmation that these accounts have been permanently removed. 
XXXX Cease all further reporting of these accounts to any credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I let the company know I dont have a account or have never applied for a account with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
On XX/XX/year>, I noticed that my Military Star Card account was reported as a collection/chargeoff, despite the balance being paid through my tax refund and additional payments from my XXXX. The account has been listed as overdue for several months without my knowledge, and I was never notified of the late status. IRS documentation verifies that the owed balance was cleared with my tax refund. However, the account continues to be listed as a collection with a status of 'late 120 days ' despite the payment being made.

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