vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: NM

Complaint narrative:
I accept all amounts due and would like credits released to settle amounts due as to bring me back in honor

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 2025-03-18 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: NM

Complaint narrative:
I accept all amounts due and would like credits released to settle amounts due as to bring me back in honor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I am reaching out regarding multiple inquiries from your company that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Sent letter to validate debt and contract and received more collection notices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-18 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-18 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: IL

Complaint narrative:
Subject : IMMEDIATE ACTION REQUIRED FCRA VIOLATION & ILLEGAL REPORTING OF DEBT AS INCOME To : Consumer Financial Protection Bureau ( CFPB ) Complaint Against : TransUnion, Experian, and Equifax To Whom It May Concern, I am formally demanding the immediate removal of the XXXX account from my credit report due to gross violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and illegal income reporting practices. 

Violations Committed by Transunion, Equifax & Experian 1. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) This account is inaccurate, unverifiable, and inconsistent across the three credit bureaus. The balance is incorrect, and the remarks differ, proving your failure to follow reasonable procedures to assure maximum accuracy. 
2. Unlawful Charge-Off Reporting This account was closed on XX/XX/2022, yet you continue to report it as a derogatory charge-off, severely damaging my credit. 
3. Failure to Provide IRS Form 1099-C ( Cancellation of Debt Income ) If this account was truly charged off and considered a loss by the creditor, the IRS requires that I receive a 1099-C form for tax reporting. You CAN NOT claim a debt as charged off for tax purposes while still reporting it as due on my credit file. This is fraudulent and illegal. 
4. Failure to Properly Investigate My Dispute Equifax already shows this account as disputed, yet the bureaus have failed to verify it properly, violating my rights under 15 U.S.C. 1681i. 


Sincerely, 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 2025-03-18 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: IL

Complaint narrative:
Subject : IMMEDIATE ACTION REQUIRED FCRA VIOLATION & ILLEGAL REPORTING OF DEBT AS INCOME To : Consumer Financial Protection Bureau ( CFPB ) Complaint Against : TransUnion, Experian, and Equifax To Whom It May Concern, I am formally demanding the immediate removal of the XXXX account from my credit report due to gross violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and illegal income reporting practices. 

Violations Committed by Transunion, Equifax & Experian 1. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) This account is inaccurate, unverifiable, and inconsistent across the three credit bureaus. The balance is incorrect, and the remarks differ, proving your failure to follow reasonable procedures to assure maximum accuracy. 
2. Unlawful Charge-Off Reporting This account was closed on XX/XX/2022, yet you continue to report it as a derogatory charge-off, severely damaging my credit. 
3. Failure to Provide IRS Form 1099-C ( Cancellation of Debt Income ) If this account was truly charged off and considered a loss by the creditor, the IRS requires that I receive a 1099-C form for tax reporting. You CAN NOT claim a debt as charged off for tax purposes while still reporting it as due on my credit file. This is fraudulent and illegal. 
4. Failure to Properly Investigate My Dispute Equifax already shows this account as disputed, yet the bureaus have failed to verify it properly, violating my rights under 15 U.S.C. 1681i. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: CT

Complaint narrative:
I have been affected by the X " Fraud/Illegal Purchases '' Reporting Scam...

So far, the scammers said that my account said I have been falsely reported for Account/Illegal, and that I have to send them {$1700.00} for my account for them to fully free my account of any illegal fraud problems, so I sent them XXXX dollars and it is states that once that money is sent will be refunded, but in reality that is a scam that will try to keep draining your bank account... 

All of the money in my bank account has been sent to them and I have no money left...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: WA

Complaint narrative:
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.

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO TRANSUNION credit report which I do not recognize as reported and which are the result of identity theft and fraud. The fraudulent account consists of a student loan account : DEPT OF EDXXXX opened XX/XX/year> under XXXX. 

All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TRANSUNION credit reporting agency block all of the accounts, collections, hard inquiries, and charge-offs identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that you manually process my 605B deletion request and block all fraudulent inquiries from my credit report immediately, as per FCRA 605B. This includes following the law, which does not require further validation from creditors once proper identity theft documentation has been submitted. Investigation Under FCRA 611, I request an investigation of the fraudulent items on my credit report, including providing detailed sources of information relied upon for their verification including communication with the FTC.

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 2025-03-18 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: MD

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
Subject : Formal Dispute of Unauthorized Reinsertion Demand for Immediate Removal and Compensation To Whom It May Concern, I am writing to formally dispute the unauthorized reinsertion of an account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor Name : NCB Management Services Account Number : XXXX This account was previously deleted from my credit report and has been reinserted without proper notification, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). The law explicitly states that if a deleted item is reinserted, the credit bureau must : Notify me in writing within five business days of the reinsertion.

Ensure the data furnisher provides certified verification that the information is accurate and complete. 
I have not received any written notification regarding this reinsertion, and therefore, you are in violation of the FCRA. This is an unfair and deceptive practice that has caused unnecessary harm to my credit profile.

Demand for Immediate Action Immediate Removal : I demand that this account be permanently deleted from my credit report within five ( 5 ) days of receiving this letter.

Proof of Verification : If you claim that this reinsertion is valid, I require certified verification from NCB Management Services proving the legitimacy of the debt, including a signed contract bearing my signature.

Compensation : Due to this unlawful reinsertion, I am seeking monetary compensation for damages incurred, including harm to my credit, financial stress, and potential legal fees. If this matter is not resolved promptly, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and seek legal action for FCRA violations, which can result in statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n.

This letter serves as formal notice that I am prepared to take further legal action if necessary. Please provide a written confirmation of deletion and a response within ten ( 10 ) days from the date of this letter.

Failure to comply will result in a formal complaint being filed with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office.

I expect your immediate attention to this matter. You may respond in writing to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Sent letter to validate debt and contract and received more collection notices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX TransUnion Consumer Disputes XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute Regarding Late Payment on XXXX XXXXXXXX XXXX  Account # XXXX Dear Sir/Madam, I am writing to formally dispute the reporting of a late payment on my credit file related to my account with XXXX XXXX XXXX ( Account # XXXX ). I recently disputed this issue, but I have noticed that while my dispute was acknowledged, no updates were made to the status of this account. It remains incorrectly reported as late for the month of XX/XX/XXXX. 

I would like to clarify that I was **not late** on this account and that the information reported is inaccurate. As per my records, the account was paid as agreed, and no late payments were made for the month of XX/XX/XXXX. I demand that you provide me with the **documentation and proof** that substantiates the late payment for this account. Specifically, I am requesting the original transcripts or records from XXXX XXXXXXXX XXXX  that clearly show I was late for the XX/XX/XXXX payment period. 

Furthermore, as this issue was previously disputed but no changes were made to my account, I am requesting that if you are unable to provide the required documentation, you **immediately update the account** to reflect the status of " OK '' or " Paid as Agreed '' for the XX/XX/XXXX reporting period. 

Please respond to this request promptly, as the inaccurate reporting of this late payment is negatively affecting my credit report. I trust that you will take the necessary action to rectify this situation and ensure that my credit file reflects accurate information. 

Thank you for your attention to this matter. I look forward to receiving a timely 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 non-monetary relief
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I am submitting this complaint regarding Experian and its handling of my credit information, in light of the current lawsuit against them. I believe Experian has engaged in unfair and deceptive practices, that have clearly violated the Fair Credit reporting Act, and have also negatively impacted my financial standing. I have attached a copy of the last round of disputes I submitted around XX/XX/XXXX. I clearly stated that I didn't agree with the results of the first disputes. I requested proof of the investigation, and also who exactly verified this information, and a copy of what was verified. Per FCRP guidelines, I am entitled to these requests. Not only did they not provide me any of the information I asked for, I do not believe they even acknowledged my requests at all. Since they did not comply with FCRA guidelines, I am requesting the following files be permanently deleted from my Experian report immediately : XXXX. XXXX XXXX XXXXaccount number XXXX XXXXXXXX XXXX-account number XXXX XXXXXXXX XXXX XXXXaccount number XXXX XXXXXXXX XXXX-account number XXXX XXXX XXXXXXXX XXXX-account number XXXX XXXXXXXX XXXX -account number XXXX XXXX-Account number XXXX XXXXaccount number XXXX XXXX XXXX-account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXXaccount number XXXX XXXXXXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX-Account number XXXX XXXXXXXX XXXX XXXX-account number XXXX XXXX XXXX XXXX XXXX -dismissed on XX/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 explanation
Consumer complaint received 2025-03-18 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:
The Federal Credit Report Act promotes the accuracy, fairness, and privacy of information in a credit report.

Transunion continues Violating my rights by posting inaccurate information in my credit, I have affirmed in several times that I am not liable for the debt of Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX I do not have a contract with any of those creditors. 
I demand those accounts to be removed from my credit report I have requested Transunion to show me proof and provide me with the original documents I have requested Transunion to provide the Step-by-Step process used in the investigation Who did they contact? 
What are names of the people they talk to?

What is the Method of Verification?

SEVERAL TIME I have requested to open an investigation they continue lying about the information Investigation is " the act or process of examining a problem, crime, statement carefully, especially to discover the truth '' I request Transunion to show me the process used in the investigation Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.

Company response to consumer: Closed with explanation