vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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:
RE : Cease and Desist Unlawful Communication and Credit Reporting Activity Dear XXXX XXXX XXXX This letter serves as your formal notice to cease and desist from any further attempts to communicate with me regarding any alleged debt, including but not limited to reporting to any consumer reporting agency ( commonly known as credit bureaus ), in accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Under this federal law, communication is defined broadly as the conveying of information regarding a debt directly or indirectly to any person through any medium. Therefore, reporting or continuing to report any alleged debt to the credit bureaus constitutes a form of communication and is included in the scope of this statute. 

Let this serve as your notice that : I dispute the validity of the alleged debt. 

I am invoking my right under federal law to demand that you cease all communication with me, including indirect communication such as credit reporting. 

Any continued attempt to report, re-report, or verify the alleged debt with any credit reporting agency will be considered willful noncompliance with the FDCPA and may subject you to civil liability under 15 U.S.C. 1692k.

Failure to comply with this notice will leave me no choice but to pursue legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages in civil court.

You are hereby instructed to cease and desist all forms of communication and remove or request the removal of any negative credit information you have reported. This includes any verification or updating of information you may have previously submitted. 

This letter is not a request ; it is a formal legal notice of my rights under federal law. 

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 2025-04-14 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: IL

Complaint narrative:
RE : Cease and Desist Unlawful Communication and Credit Reporting Activity Dear XXXX XXXX XXXX This letter serves as your formal notice to cease and desist from any further attempts to communicate with me regarding any alleged debt, including but not limited to reporting to any consumer reporting agency ( commonly known as credit bureaus ), in accordance with 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Under this federal law, communication is defined broadly as the conveying of information regarding a debt directly or indirectly to any person through any medium. Therefore, reporting or continuing to report any alleged debt to the credit bureaus constitutes a form of communication and is included in the scope of this statute. 

Let this serve as your notice that : I dispute the validity of the alleged debt. 

I am invoking my right under federal law to demand that you cease all communication with me, including indirect communication such as credit reporting. 

Any continued attempt to report, re-report, or verify the alleged debt with any credit reporting agency will be considered willful noncompliance with the FDCPA and may subject you to civil liability under 15 U.S.C. 1692k.

Failure to comply with this notice will leave me no choice but to pursue legal remedies, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages in civil court.

You are hereby instructed to cease and desist all forms of communication and remove or request the removal of any negative credit information you have reported. This includes any verification or updating of information you may have previously submitted. 

This letter is not a request ; it is a formal legal notice of my rights under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Sent a debt validation request via certified mail return receipt. In accordance 15 usc 1692 g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
To Whom It May Concern, I am submitting this complaint regarding a collection account reported by XXXX XXXX XXXX on my Equifax credit report. 

This account is scheduled to fall off in XX/XX/year>, which reflects 7 years from the date of first delinquency in accordance with the Fair Credit Reporting Act ( FCRA ). Both XXXX and XXXX have already removed this account from my credit reports in XX/XX/year> as required. However, Equifax has refused to remove the same account and stated it will remain until XX/XX/year>, which is inaccurate and in violation of FCRA reporting timelines. 

The FCRA allows a maximum of 7 years from the original date of delinquency for reporting collection accounts. The refusal to remove this account by Equifax is inconsistent with the law and with the actions of the other major credit reporting agencies. 

I am requesting immediate removal of this obsolete collection account from my Equifax report. This incorrect reporting is impacting my creditworthiness and ability to qualify for a mortgage. 

Please find the following supporting information : The account in question is with XXXX XXXX XXXX XXXX report confirms scheduled removal in XX/XX/year> XXXX has already removed the account Equifax continues to report it and refuses to escalate or correct the error I respectfully request the CFPB to investigate and ensure Equifax complies with FCRA standards. Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Dear Sir/Madam, It is with great displeasure that I am addressing an erroneous entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I demand a thorough investigation and immediate removal of the inaccurate charge-off account mentioned below. 

Account Details : Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/scrub>/2025 Disputed Amount : {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Dear Sir/Madam, I am writing to express my vehement objection to a glaringly false entry on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I demand that you promptly conduct a thorough investigation and expunge the unfounded charge-off account indicated below, as it is categorically inaccurate. 

Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

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

Company 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 2025-04-14 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize these accounts on my credit files XXXX XXXX XXXX XXXX. Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX had sent {$1200.00} to my old bank account at XXXX. The money was sent to my debit card ending at XXXX. XXXX sent the refund and Chase accepted the payment. Ive called Chase and XXXX dozen of times within the month and nobody cant find the refund amount. 

XXXX gave me a reference tracking number starting at XXXX, and has told me to provide this number to Chase. 

I havent received my refund and would like a check issued to XXXX s. XXXX XXXX, XXXX, IL XXXX. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-14 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

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

Company 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the immediate deletion of XXXX XXXX account # XXXX from my credit reports due to continued inaccurate and unverifiable reporting. 

This account was settled under a pay-for-delete agreement, yet it remains on file with multiple reporting errors, including : 120-day late payments listed for both XXXX and XX/XX/year> ( which is factually impossible ) Late payment reporting during a CARES Act deferment period Inaccurate high balance, last payment date, and last activity date This reporting violates the FCRA ( 15 U.S.C. 1681s-2 ) and CARES Act protections. I also did not receive a 1099-C, further confirming the account was settled under agreed terms. 

Additionally, a formal dispute letter was sent to each bureau over 60 days ago and is attached for your reference it is dated and time-stamped via certified mail. No proper reinvestigation has been conducted. 

This matter is also under CFPB Complaint # XXXX, to which XXXX XXXX has failed to respond. I am now requesting full deletion of the account from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-14 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:
TransUnion, This account was charged off on XXXX XXXX. Since then, the account has repeatedly been updated with a balance due every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights! I am demanding a deletion of the following account : XXXX XXXX XXXX Account number : 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 2025-04-14 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: CA

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 XXXX  on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-14 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: FL

Complaint narrative:
Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ) and 611 Dear Sir/Madam, I am writing to formally contest an erroneous entry on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Sections 1681b ( 2 ) and 611. I hereby demand that you conduct a thorough investigation and promptly delete the inaccurate charge-off account mentioned below. 

Account Details : Account Name : XXXX XXXX Account Number : XXXX Reported Charge-Off Date : XX/XX/year> Disputed Amount : {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX XXXX ( XXXX XXXX  ), in conjunction with Equifax, is reporting a rental collection account that reflects multiple violations of the Fair Credit Reporting Act ( FCRA ). 

This account was assigned by the original creditor, XXXX XXXX, on XX/XX/XXXX, with the date of first delinquency listed as XX/XX/XXXX. Despite this, Equifax just reported this collection on XX/XX/XXXX, which suggests that the account may have been re-aged a direct violation of the FCRA. The law requires that negative items be removed 7 years from the original delinquency date, and re-aging extends the damage unfairly. 

Equifax has failed to uphold its responsibility under the FCRA to conduct a proper investigation. I previously disputed this account, and Equifax closed the dispute without providing any supporting documentation from the collection agency to validate the debt. This failure to verify and investigate accurately is a clear FCRA violation. 

Additionally, the original amount owed was {$5600.00}, but it is now reported as {$6100.00}, with no breakdown or explanation of the added fees. This raises serious concerns about the accuracy and legality of the reporting, particularly under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Synergetic Communication Inc
State: GA

Complaint narrative:
My identity have been stolen. I have fraudulent accounts and fraudulent personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( 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 section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Complaint is about that the Coinbase company has no insurance and the company wasn't willing to help the authorities to trace the stolen cryptocurrency.

Company response to consumer: Closed with explanation