vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Bureau : TransUnion LLC Address : XXXX XXXX XXXX XXXX, PA XXXX Consumer : XXXX XXXX XXXX ( XXXX ) Account # : XXXX ( XXXX XXXX XXXX ) Complaint Narrative : TransUnion is reporting a collection account ( # XXXX ) furnished by XXXX XXXX XXXX. I disputed this account, but TransUnion verified the tradeline as accurate without requiring the furnisher to provide validation of the debt. 

This violates the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation of my dispute. 

15 U.S.C. 1681s-2 ( b ) Failure to ensure the furnisher conducted a proper investigation and corrected/deleted inaccurate information. 

The account is unvalidated and remains reported as a Status Code XXXX ( Collection ), which is not permitted under Metro 2 guidelines without proper validation.

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 2025-09-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate and unverifiable information Experian continues to report, in violation of the Fair Credit Reporting Act ( FCRA ). 
Disputed Accounts : XXXX XXXX XXXX XXXX  Reported as both charged-off and past due {$20000.00}, which is contradictory. Negative reporting continues beyond the accounts closure in XXXX. 
XXXX XXXX  Opened XX/XX/XXXX, yet reported with a 30-day delinquency by XX/XX/XXXX. This is factually impossible and unverifiable. 
XXXX XXXX Marked Paid , Closed in XX/XX/XXXX but still showing late payments from early XXXX. 
XXXX XXXX Listed as both charged-off and past due {$130.00}, which is double reporting. 
XXXX XXXX XXXX XXXX - listed as " Collection '' past due " {$1600.00} '' Violations : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy.

FCRA 611 : Failure to delete unverifiable information after dispute.

Resolution Requested : Remove or correct all inaccurate/unverifiable accounts, issue a corrected report, and ensure Experian complies with the FCRA going forward.

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 2025-09-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-18 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy of the above-referenced account being reported by XXXX XXXX. The reported information contains errors and inconsistencies across credit bureaus regarding balances and payment history. 

This violates the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), which requires that furnishers of information maintain maximum possible accuracy. 

Vehicle was supposedly sold and I have yet to receive any receipts or proof pertaining to that. The numbers are inaccurate. 

In accordance with FCRA 611 ( a ), I am requesting : 1. A full investigation into this account.

2. Copies of the original retail installment contract ( s ) and the complete payment history used to verify the accuracy of the account. 

If XXXX XXXX is unable to provide the required documentation to substantiate the reporting, I request that this account be deleted from my credit reports immediately. 

Please provide me with the results of your investigation in writing within the time frame required by law ( 30 days ). 

Thank you for your prompt attention to this matter.

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 2025-09-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-18 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: NY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-18 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: FL

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I noticed on XX/XX/year> that 3 fraudulent charges were made. The charges include one charge for {$7.00}, another charge for {$7.00} and a third charge for {$150.00} from XXXX. I called ameris bank on XX/XX/year> to flag the account and to place an investigation into it. I received a letter on XX/XX/year> that ameris had concluded the investigation and have concluded that the charges were valid and they would not be refunding my money. I called ameris after recieving the letter and was told that they would not reopen the case to further investigate it. I then called the merchant ( XXXX ) and was confirmed by the telephone agent through a reverse look up of the 9 digit alpha-numeric number on the bank charge description and statement that the charges were indeed not made from my merchant account. The agent also confirmed that the charges were all made from a singular account and was of the opposite XXXX of myself. I was told from the merchant that I would need to reach back out to my bank to reopen the investigation and they would discover this information. The same day on XX/XX/year>, I called back to Ameris bank. The representative stated again that they would not reopen the case and that I could only seek reimbursement from the merchant at this time. On XX/XX/year>, I went into the local Ameris branch and discussed the matter with the assistant manager. In front of the assistant manager, we contacted the bank fraud department and the merchant. Each one continues to blame the other that nobody will refund me the money but they both agree that it is not my fault and that it is fraudulent. I was told by the assistant manager that my case could be escalated if and only if I went and got a police report of the matter completed. On XX/XX/year>, I had a police report completed. On XX/XX/year>, I provided the information to the bank and was told it was unlikely that I would get my money from back from them or the merchant at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-09-18 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-09-18 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: OH

Complaint narrative:
On XX/XX/2024, XXXXXXXX XXXX XXXXXXXX came to agreement that I send the merchandise back and I received a XXXX  label receipt. On or about XX/XX/2024, XXXX XXXX XXXXXXXX verified that the merchandise was received. On XX/XX/2024, I had filed a letter of complaint with the Credit Bureaus to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX The debtor 's account was removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am disputing the Midland Credit Management collection account [ # XXXX ]. Midland has failed to provide proof of ownership of the alleged debt or documentation from the original creditor, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ). 

Under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), any collection that can not be verified with complete documentation must be deleted from all consumer reporting agencies, including XXXX XXXX XXXX XXXX. 

Please provide all supporting documentation used to verify this account. If you can not, the account must be deleted in compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
XXXX XXXX, account ending XXXX ( closed in XXXX ), is reporting late payments on my credit history to Esperian, TransUnion XXXX Equifax during XXXX this reporting is inaccurate and violates consumer protection laws. 
Because the account was closed in XXXX, it is impossible for late payments to have occurred in 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 2025-09-18 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: IN

Complaint narrative:
XXXX XXXX, account ending XXXX ( closed in XXXX ), is reporting late payments on my credit history to Esperian, TransUnion XXXX Equifax during XXXX this reporting is inaccurate and violates consumer protection laws. 
Because the account was closed in XXXX, it is impossible for late payments to have occurred in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-18 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: FL

Complaint narrative:
I am filing this complaint because XXXX  XXXX XXXX XXXX ( and/or their collection agency ) is reporting a collection account on my credit file that is inaccurate and harmful to my credit. 

I have disputed this account with the credit bureaus and contacted XXXX  XXXX XXXX XXXX directly. Despite my requests, they have refused to correct or remove this account even though : I attempted to resolve the matter directly, including offering full payment and/or requesting goodwill removal, but they refused to cooperate. 

I am requesting that the CFPB investigate this matter and require XXXX  XXXX XXXX XXXX to Delete this account from my credit reports with all three bureaus ( XXXX, XXXX, and TransUnion ).

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 2025-09-18 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: FL

Complaint narrative:
I am filing this complaint because XXXX  XXXX XXXX XXXX ( and/or their collection agency ) is reporting a collection account on my credit file that is inaccurate and harmful to my credit. 

I have disputed this account with the credit bureaus and contacted XXXX  XXXX XXXX XXXX directly. Despite my requests, they have refused to correct or remove this account even though : I attempted to resolve the matter directly, including offering full payment and/or requesting goodwill removal, but they refused to cooperate. 

I am requesting that the CFPB investigate this matter and require XXXX  XXXX XXXX XXXX to Delete this account from my credit reports with all three bureaus ( Experian, XXXX, and 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