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

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
The Citizen Pay Line Account reported on my credit report does not belong to me. I would like the unverifiable hard inaccurate inquiry removed from all three credit bureaus. I never received closure documentation from XXXX  nor was any payments included.

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

Complaint narrative:
Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Unauthorized Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am writing about my XXXX credit card through Comenity Bank. I paid this account off before the due date and they continue to charge me interest. This is the third time they have done this! This account is closed and has been for almost a year yet they keep charging me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-03 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 am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX  account on my credit report. Who has recently stated all information is accurate. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., credit bureaus are required to ensure that all information reported is accurate, complete, and verifiable. The information reported by TransUnion and Equifax regarding this account is inconsistent and appears to be manipulated, which is a violation of the law.

Discrepancies in Reporting : 1. Status Update Date Manipulation The status updated date differs across the credit bureaus, reflecting XX/XX/XXXX on TransUnion and XX/XX/XXXX on Equifax. Updating this date in an attempt to extend the reporting period of a negative account is illegal and violates F

CRA 1681s-2. 2. Last Payment Date Mismatch The reported last payment date is XXXX XXXX XXXX on TransUnion and XXXX XXXX XXXX, on Equifax, whic
h raises concerns about data accuracy.

3. Balance Update Date Inconsistencies The balance update date differs across reports, making the information unreliable. 

These inconsistencies suggest unlawful re-aging of the account, which is a direct violation of the FCRA and an attempt to keep the negative account on my report longer than legally permitted. This deceptive practice is illegal and actionable. 

Legal Violations : FCRA 1681s-2 ( a ) ( 1 ) ( B ) : Data furnishers must provide accurate information.

FCRA 1681i ( a ) ( 5 ) ( A ) : If a disputed item is found to be inaccurate or unverifiable, it must be deleted.

FCRA 1681c ( a ) ( 4 ) : Negative accounts must be removed after 7 years from the original delinquency date.

FCRA 1681s ( a ) ( 2 ) ( A ) : Any entity knowingly reporting false information may be subject to civil liability.

Given the clear evidence of inaccurate and inconsistent reporting, I demand the immediate and permanent deletion of this account from my credit report. Failure to comply will result in legal action, including complaints filed with the Federal Trade Commission ( FTC ), and potential legal counsel.

I expect written confirmation of the deletion within 30 days, as required by 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 2025-03-03 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: MA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 collections account opened at XXXX on XX/XX/XXXX with a balance of {$29000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 explanation
Consumer complaint received 2025-03-03 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: IL

Complaint narrative:
To Whom It May Concern, I am disputing the reporting of my XXXX XXXX XXXX account on my Experian credit report. The current status lists a charge-off amount of {$7500.00} and a past due balance of {$8900.00}, which is a violation of my rights under federal law. 

Legal Violations : Violation of 15 U.S.C. 1666b ( Timely Posting of Payments ) : This law mandates that payments be applied promptly to avoid misrepresentation of balances. If payments were made but not reflected, the reported balance may be inaccurate.

Violation of 15 U.S.C. 1681a ( 2 ) ( 1 ) ( Fair Credit Reporting Act Accuracy ) : Under FCRA, information reported must be complete and accurate. A charged-off account should not simultaneously report as " past due '' since charge-offs indicate the creditor has written off the debt. The dual reporting of these statuses creates an unfairly negative impact on my credit. 
Violation of 15 U.S.C. 6802 ( Privacy of Financial Information ) : Financial institutions must protect consumer information and ensure lawful reporting. Any inaccurate or misleading reporting, especially regarding balances and charge-offs, violates consumer privacy rights and fair reporting standards. 
Requested Action : I demand the immediate removal of this inaccurate reporting. The simultaneous reporting of a charge-off and a past due amount is a violation of federal regulations. Please investigate and update my file accordingly. 

I expect a resolution within 30 days, as required by law. Please confirm receipt of this dispute and provide an update on the corrective action taken.

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 2025-03-03 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: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-03-03 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and unlawful reporting on my TransUnion credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, a previously closed account was removed from my credit report and then subsequently reinserted as an open account. This is an egregious error that negatively impacts my creditworthiness and financial stability. 
Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA, if a credit bureau reinserts previously deleted information, it is required to notify the consumer within five business days, providing certification from the furnisher that the information is accurate and complete. I did not receive any such notification, making this reinsertion unlawful.

Additionally, under the FCRA, all information reported must be accurate, verifiable, and timely. Since this account was previously removed, its reinsertion raises serious legal concerns. I demand that TransUnion immediately : 1. Remove the following reinserted accounts from my credit report.

2. Provide me with documentation verifying the accuracy and legitimacy of the account, including any certifications provided by the furnisher.

3. Provide a written statement confirming the accounts removal within 30 days of receipt of this letter.

Failure to comply with these demands will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Furthermore, I reserve the right to pursue legal action for damages as permitted under 15 U.S.C. 1681n and 1681o, which allow for statutory and punitive damages for willful and negligent noncompliance with the FCRA. 
This letter serves as my official notice under federal consumer protection laws. I expect prompt action within the legally mandated time frame. Please respond in writing to the address provided above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
A bank wire was initiated and sent from XXXX XXXX to Chase Bank on XX/XX/XXXX. The wired funds in the amount of {$250000.00} was seized by Chase bank on XX/XX/XXXX. The recipient of my bank wire claims that Chase bank has agreed to return the funds to me. Chase bank will not communicate with me or with my bank specific to the seized money. I did receive one telephone call from a Chase bank employee on or around XX/XX/XXXX. During that conversation, the Chase bank representative confirmed to me that Chase bank has the {$250000.00} in their possession.

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

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-03-03 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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

Complaint narrative:
Ive disputed my public record with Equifax, Transunion and Experian and never get results done. They claim that XXXX gave them information on my public record and also they told me that they contacted personally the clerk of the federal courts in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX copies of a XXXX  XXXX, which they say I have I have disputed this over XXXX times and nothing changed. They all tell me that they talk to the clerk of the courts I called the courts over XXXX times and they told me that they never gave experience Transunion or Equifax any information and they asked me to retrieve documents from the XXXX major credit bureaus showing me that the courthouse in XXXXXXXX XXXX XXXX XXXX XXXX sent them information. Ive told them that I would file a complaint with CFPB and was told GOOD LUCK because they couldnt do anything about the property/report.

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 2025-03-03 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: LA

Complaint narrative:
Ive disputed my public record with Equifax, Transunion and Experian and never get results done. They claim that XXXX gave them information on my public record and also they told me that they contacted personally the clerk of the federal courts in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX copies of a XXXX  XXXX, which they say I have I have disputed this over XXXX times and nothing changed. They all tell me that they talk to the clerk of the courts I called the courts over XXXX times and they told me that they never gave experience Transunion or Equifax any information and they asked me to retrieve documents from the XXXX major credit bureaus showing me that the courthouse in XXXXXXXX XXXX XXXX XXXX XXXX sent them information. Ive told them that I would file a complaint with CFPB and was told GOOD LUCK because they couldnt do anything about the property/report.

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