vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: MI

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete reporting of late payments on several accounts listed in my credit report. After reviewing my report, I discovered multiple errors in the payment history that appear to qualify as billing errors under the Truth in Lending Act, 15 U.S.C. 1666 ( b ).

I do not recall being late on any of these accounts, and I was not provided with a billing statement at least 21 days prior to the due date, as required by law. Therefore, any late payment entries for these accounts should be considered invalid.

Alleged Violations of 15 U.S.C. 1666 ( b ) : Specifically, the creditors involved may have violated : 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment made by the obligor or a credit issued ; 1666 ( b ) ( 5 ) : Computation or accounting errors by the creditor on a billing statement. 

These errors have negatively impacted my credit profile and were not corrected despite my dispute. 

Disputed Accounts and Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Verification : I am requesting the following : Documentary proof that I was late in making payments on the accounts listed above ; Copies of billing statements showing the due dates and payment dates ; Proof that statements were sent at least 21 days before the due date, as required by the Credit CARD Act ( 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ).

If the creditors can not provide clear documentation, I request that all inaccurate late payment notations be corrected to " Paid on Time '' immediately.

Additional Regulatory Action : This complaint is also being submitted to : The Consumer Financial Protection Bureau ( CFPB ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; My State Attorney Generals Office. 

These erroneous late payments have caused harm to my credit standing, and I am seeking immediate correction in accordance with federal consumer protection laws. 

Thank you for your attention to this matter. I look forward to a timely and lawful resolution. 

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-28 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:
* * Consumer Financial Protection Bureau ( CFPB ) Complaint * * * * Date : * * XX/XX/XXXX * * To : * * [ ] XXXX XXXX XXXX XXXX [ ] TransUnion * * Address : * * ___________________________ * * To Whom It May Concern, * * I am formally disputing the continued reporting of the below revolving credit account, which contains multiple reporting violations under the Metro 2 data format as well as the Fair Credit Reporting Act ( FCRA ). The account is being furnished in a way that is incomplete, inaccurate, and misleading, and I am demanding its immediate deletion under my rights as a consumer. 

* * Disputed Account Information : * * - * * Creditor : * * XXXX XXXXXXXX XXXX XXXX  - * * Account Number : * * Ending in XXXX - * * Type : * * Credit Card / Revolving - * * Status : * * 180+ Days Late/ Over 120 Days Past Due - * * Balance : * * {$210.00} | * * Credit Limit : * * {$150.00} | * * High Credit : * * {$330.00} | * * Available Credit : * * {$62.00} - * * Date Opened : * * XX/XX/XXXX - * * Date of First Delinquency : * * XX/XX/XXXX - * * Date Reported : * * XX/XX/XXXX * * Metro 2 & FCRA Violations Identified : * * - Balance exceeds credit limit without proper compliance code ( over-limit violation ) - No Date of Last Activity reported ( required to determine aging and payment behavior ) - 180+ days late but not marked as a charge-off or transferred account - No Compliance Condition Code furnished ( required for derogatory statuses ) - Missing Consumer Information Indicator 'XB ' if ever in dispute - Absence of Collateral or Special Comment Code to show accelerated or closed status * * Applicable Legal Grounds : * * - * * FCRA 611 : * * Inaccurate or unverifiable information must be deleted - * * FCRA 609 ( a ) : * * I request full documentation of this debt and delinquency - * * FCRA 623 ( a ) ( 5 ) : * * DOFD and all related dates must be accurately reported - * * FCRA 1681s-2 : * * It is unlawful to report misleading or incomplete information knowingly or through negligence Due to the multiple compliance failures and inaccurate presentation of the accounts true standing, I am requesting its immediate deletion. Please reinvestigate and confirm the outcome in writing within the 30-day window allotted by law. Failure to do so will result in escalation to the Consumer Financial Protection Bureau and other appropriate authorities. 

* * Sincerely, * * * * Full Name : * * XXXX XXXX * * Address : * * XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX * * SSN ( Last XXXX ) : * * XXXX * * Phone : * * 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 2025-05-28 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: IL

Complaint narrative:
* * Consumer Financial Protection Bureau ( CFPB ) Complaint * * * * Date : * * XX/XX/XXXX * * To : * * [ ] Experian [ ] XXXX XXXX XXXX XXXX XXXX  * Address : * * ___________________________ * * To Whom It May Concern, * * I am formally disputing the continued reporting of the below revolving credit account, which contains multiple reporting violations under the Metro 2 data format as well as the Fair Credit Reporting Act ( FCRA ). The account is being furnished in a way that is incomplete, inaccurate, and misleading, and I am demanding its immediate deletion under my rights as a consumer. 

* * Disputed Account Information : * * - * * Creditor : * * XXXX XXXX XXXX XXXX XXXX * * Account Number : * * Ending in XXXX - * * Type : * * Credit Card / Revolving - * * Status : * * 180+ Days Late/ Over 120 Days Past Due - * * Balance : * * {$210.00} | * * Credit Limit : * * {$150.00} | * * High Credit : * * {$330.00} | * * Available Credit : * * {$62.00} - * * Date Opened : * * XX/XX/XXXX - * * Date of First Delinquency : * * XX/XX/XXXX - * * Date Reported : * * XX/XX/XXXX * * Metro 2 & FCRA Violations Identified : * * - Balance exceeds credit limit without proper compliance code ( over-limit violation ) - No Date of Last Activity reported ( required to determine aging and payment behavior ) - 180+ days late but not marked as a charge-off or transferred account - No Compliance Condition Code furnished ( required for derogatory statuses ) - Missing Consumer Information Indicator 'XB ' if ever in dispute - Absence of Collateral or Special Comment Code to show accelerated or closed status * * Applicable Legal Grounds : * * - * * FCRA 611 : * * Inaccurate or unverifiable information must be deleted - * * FCRA 609 ( a ) : * * I request full documentation of this debt and delinquency - * * FCRA 623 ( a ) ( 5 ) : * * DOFD and all related dates must be accurately reported - * * FCRA 1681s-2 : * * It is unlawful to report misleading or incomplete information knowingly or through negligence Due to the multiple compliance failures and inaccurate presentation of the accounts true standing, I am requesting its immediate deletion. Please reinvestigate and confirm the outcome in writing within the 30-day window allotted by law. Failure to do so will result in escalation to the Consumer Financial Protection Bureau and other appropriate authorities. 

* * Sincerely, * * * * Full Name : * * XXXX XXXX * * Address : * * XXXX XXXX XXXX, XXXX, IL XXXX * * SSN ( Last XXXX ) : * * XXXX * * Phone : * * 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 2025-05-28 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 formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights.

The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 
Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
In XX/XX/year>, I received what appeared to be a summons and complaint from Midland Credit Management , Inc., delivered in an envelope stuffed into my door. I was never personally served as required by law. The documents were later followed by a letter from XXXX XXXX, dated XX/XX/year>, which was mailed but still failed to meet the legal standards for personal service under XXXX XXXX XXXX XXXX. 

The documents demanded payment for XXXX alleged debts purchased from XXXXXXXX XXXX XXXX XXXX XXXX XXXX totaling over {$17000.00}. I have never signed any agreement with Midland Credit Management, and they provided no original contract, billing history, or proof of legal assignment of the debt. 

To date, I can not locate an official case against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), suggesting that these documents may have been pre-filing scare tactics intended to pressure me into paying without due process. 

I sent a certified Debt Validation Request under the FDCPA to XXXX XXXX XXXX, demanding proof of the debt, legal standing, and proper assignment, and disputed the validity of the debt entirely. I also requested that they cease communication unless pursuing formal legal action. 

These tactics appear to violate consumer protection laws, as the company is attempting to collect a debt they have not proven, using intimidation and possibly improper service tactics to obtain default judgments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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 am filing this complaint because my TransUnion credit report contains an unauthorized inquiry. Upon reviewing my credit report from XXXX ( dated XXXXXXXX  ), I found an inquiry from " XXXX XXXX XXXX XXXX and XXXX XXXX XXXX '' dated XXXX I did not authorize this inquiry, and its presence on my report is inaccurate and unauthorized.

Under Florida law, consumers have the right to accurate credit reporting and to dispute unauthorized items on their credit reports. This unauthorized inquiry is a direct contravention of these rights.

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 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Under the Fair Debt Collection Act, ( 15 USC 1692g ), The debt collector has failed to provide a validity of debt letter and is reporting inaccurate information on my credit report. This is a violation of the FDCPA and FCRA. I have not received any debt validation notices from this company as required. Despite this, this company has reported the alleged debt to one or more credit reporting agencies. As of today, I have decided to access my credit files and immediately became upset with what I saw. 

I do know that this is a serious violation of federal law, and I demand the immediate removal of this account from all credit reporting agencies until this company can provide a complete payment history, verification of the amount, proof of their legal right to collect this debt, proof of my validation of debt notice sent to me and proof that this belongs to me. 
I am also preserving my right to take legal action for damages if this isn't removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CT

Complaint narrative:
I am submitting this formal complaint regarding TransUnion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided TransUnion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, TransUnion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs 2012 bulletin underscores TransUnion 's failure to uphold consumer protections under the FCRA. Supervisor XXXX, in response to CFPB Complaint # XXXX filed on XX/XX/XXXX under XXXX # XXXX, stated, We dont remove negative items, as the reason for not removing the accounts in question.

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 2025-05-28 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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 whitout my written instructions.

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I am formally requesting the removal of inaccurate, unverifiable, and/or outdated accounts currently being reported on my credit file. These accounts are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, which requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. 

Despite my good faith efforts to dispute these accounts directly with the credit reporting agencies and/or furnishers, they have failed to provide proper validation or correct the information. Under the FCRA, if an account can not be verified, it must be removed from the credit report. Additionally, this situation may also consti
tute a violation of the Fair Debt Collection Practices Act ( FDCPA ) if any of the accounts are being pursued by debt collectors engaging in misleading, harassing, or unlawful conduct. 

These reporting errors are causing ongoing harm to my financial standing, limiting my access to credit, and creating undue stress. I am requesting the CFPB investigate this matter thoroughly and apply the appropriate regulatory pressure to ensure compliance. 

If this issue is not resolved promptly and in accordance with federal law, I am fully prepared to pursue legal action against the entities involved, including but not limited to claims under the FCRA, FDCPA, and any applicable state consumer protection laws. I will also seek damages for any financial and emotional harm caused. 

I expect these unverifiable or inaccurate accounts to be permanently removed from my credit report immediately. Please treat this complaint with the urgency and seriousness it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: IA

Complaint narrative:
I dont know who this comapny is or even i dont think i went to emergency room. I desperatly bealive that i was anvixtim Of identiy scam and would loike this to be looked into

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 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A debt collector is saying I owe a money to them and I never had done business with them.

Company response to consumer: Closed with explanation