vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
Subject : Formal Dispute Inaccurate & Unverified Charge-Off XXXX XXXX XXXX XXXX XXXX  ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX  ) To Whom It May Concern, This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) regarding the following item reported on my TransUnion credit file : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Status : Charged Off Balance {$120.00} Remarks : UNPAID BALANCE CHARGED OFF This tradeline is materially inaccurate, incomplete, and unverifiable. It reflects outdated negative marks, questionable charge-off reporting, and lacks the supporting documentation required by federal law. 

Legal Violations : FCRA 1681e ( b ) Reporting must reflect the maximum possible accuracy. The payment history on this account is incomplete, lacks monthly status updates prior to charge-off, and does not explain how the balance remained past due.

FCRA 1681i ( a ) ( 1 ) ( A ) Disputed information must be verified or deleted within 30 days. To date, no documentation or verification has been provided by XXXX XXXX or TransUnion. 
FCRA 1681s-2 ( b ) Furnishers are obligated to conduct an investigation and correct or delete inaccurate data upon notice of a dispute.

FDCPA 809 ( b ) If this debt was placed into internal or third-party collections, then debt validation is required. I have not received any such proof from XXXX XXXX or its affiliates.

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 2025-05-23 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC
State: CO

Complaint narrative:
I am disputing the validity and reporting status of the auto loan account listed under XXXX XXXX XXXX, Account # XXXX. I am aware that I had a vehicle loan with this company beginning in XX/XX/XXXX, but I dispute the current balance of {$16000.00} and the charge-off status reported as of XX/XX/XXXX. 

I was never properly informed of the charge-off process, nor was I given the opportunity to settle or restructure the loan. If XXXX XXXX XXXX claims to have notified me, I demand a copy of the certified mail receipt displaying my signature as proof that proper legal notification was sent and received. 

If no such evidence can be provided, I request that this account be immediately removed from my credit report. Failure to comply may result in legal action for failure to notify and for the continued reporting of inaccurate or unverifiable information under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion SERVICE LOAN XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX 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 2025-05-23 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NV

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-23 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX ) I'm now requesting you investigate this account and update this payment to paid on time immediately. thank you for your understanding and prompt action

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 2025-05-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Subject : Deceptive Billing Practices, Improper Late Fees, and Potential Discriminatory Conduct by Citibank/Macys Credit Services To Whom It May Concern : I am submitting this complaint to formally request an investigation into Citibank, N.A., which manages Macys credit card accounts, for unfair billing practices, deceptive fee assessments, and potential racial discrimination affecting XXXX XXXX consumers. 

I have maintained two Macys credit card accounts managed by Citibank for over 20 years and have consistently made timely payments. Despite this, over the past three months, I have experienced multiple incidents where late fees were assessed even though payments were made on the due dates.

These erroneous late fees not only disrupted my account but also triggered artificially high minimum payment demands ( e.g., {$37.00} ) and repeated pressure to enroll in auto-pay, even though I have a long-standing positive payment history without needing it. Each time I contacted customer service, Macys/Citibank representatives admitted the errors and waived the feesan implicit acknowledgment that their system is flawed or intentionally misleading.

While I appreciate the reversals, the pattern of fee generation and high minimum payments continues, making it difficult to manage payments and creating undue stress. The repetitive nature of these incidents indicates a systemic issue that could potentially impact millions of cardholders, generating substantial unearned revenue for the issuer through deceptive means.

Furthermore, I have reason to believe that this treatment may be discriminatorily applied, particularly targeting XXXX XXXX  customers. The insistence on auto-pay enrollment, despite my history of responsible payments, and the persistent application of fees and pressure tactics raise serious concerns under fair lending and civil rights laws, particularly the Equal Credit Opportunity Act ( ECOA ) and Dodd-Franks prohibition on unfair , deceptive, or abusive acts or practices ( UDAAPs ).

Requested Action : I request that the Consumer Financial Protection Bureau : Initiate a formal investigation into Citibank/Macys billing systems and late fee practices.

Examine whether such practices are disproportionately affecting minority consumers.

Determine whether the company is using these billing practices to improperly influence consumer behavior ( e.g., forced auto-pay ).

Require the company to provide a full audit of fees assessed and waived on my account over the past 12 months.

Ensure any systemic issues are rectified with proper notice to affected consumers and financial remediation where appropriate.

I am available to provide documentation, including statements, screenshots, and call records confirming both payment timing and the companys own acknowledgments of error.

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 2025-05-23 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: CA

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 account 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 account 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 : XXXX. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; XXXX. A comprehensive outline of the investigation performed, detailing each step taken ; XXXX. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; XXXX. 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 California 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.

This account is 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 : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : URGENT DISPUTE DEMAND UNAUTHORIZED REINSERTION & DATA BREACH VIOLATION To Whom It May Concern, I am submitting this formal dispute letter as a demand for immediate action. I am a verified victim of multiple data breaches in which my personal identifying information was exposed. Because of this, I have strong reason to believe that the following accounts and inquiries were either reported fraudulently or reinserted without proper legal procedure and authorization.

Several of these accounts were previously disputed and removed but have been unlawfully reinserted in violation of FCRA Section 611 ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ), which mandates that I must be notified in writing before any reinserted item can reappear. I received no such notice.

In accordance with FCRA 609 ( b ), 605 ( b ), and UCC 1-308, I demand a full reinvestigation of the accounts listed below. You are legally obligated to verify these items with original contracts containing my wet signature. Do not use E-Oscar or any automated system for verification. I will only accept original documentation proving I authorized these accounts and inquiries. 

Accounts to Be Deleted XXXX XXXX XXXXXXXX | Acct XXXX XXXX XXXXXXXX Late Payment {$510.00} XXXX XXXX  | Acct # : XXXX Late Payment {$3900.00} XXXX | Acct # : XXXX Late Payment {$1200.00} XXXX XXXX | Acct # : XXXX Late Payment {$0.00} XXXX  XXXX | Acct # : XXXX Charge-off {$4600.00} XXXX | Acct XXXX XXXX XXXXXXXX Charge-off {$1500.00} Inquiries to Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX You are in violation of FCRA 15 U.S.C. 1681c ( b ) and failure to remove or provide valid proof of these accounts within five ( 5 ) business days will result in legal action. I am prepared to file formal complaints with the CFPB, FTC, and Illinois Attorney General 's Office if this matter is not addressed with urgency and legal compliance.

Remove all listed accounts and inquiries immediately or provide full legal validation and documentation. 

Govern yourselves accordingly. 

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XXXX XXXX XXXX, I sent a certified letter to XXXX XXXX requesting documentation related to my account. Specifically, I asked for the original account number, the date the account was opened, a payment history ledger, the date of the last payment, and any documents that bore my handwritten signature. This account is currently closed due to XXXX XXXX bankruptcy. Additionally, I requested a response within thirty days of sending the letter. However, I have yet to receive a written response from this creditor validating the debt.

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 2025-05-23 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: AZ

Complaint narrative:
Since XXXX XXXX XXXX I have been in contact with Experian, Equifax, and TransUnion and the violation to my right to privacy under 15 USC 6801, Identity Theft and Fruad for buying and selling of my information for monetary gain to third party companies without my consent. I have demanded the verification and deletion of the accounts negatively reporting and they have continued to ignore my demands.

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 2025-05-23 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: AZ

Complaint narrative:
Since XXXX XXXX XXXX I have been in contact with Experian, Equifax, and TransUnion and the violation to my right to privacy under 15 USC 6801, Identity Theft and Fruad for buying and selling of my information for monetary gain to third party companies without my consent. I have demanded the verification and deletion of the accounts negatively reporting and they have continued to ignore my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AL

Complaint narrative:
I am writing a letter to formally dispute certain inquiries listed on my credit report, which I did not authorize or have any knowledge of. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 [ 15 U.S.C. 1681b ], credit reporting agencies are only permitted to include inquiries on a consumer report that were made with the consumer 's written permission or under specific legal circumstances. 
Despite submitting a dispute regarding the following item ( s ), the credit bureaus ( TransUnion, Equifax, Experian, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, etc. ), have either failed to remove or continues to report information that is unauthorized under FCRA although I have disputed and requested verification and/or validation but have not received anything. With my last attempt to contact Transunion, the rep stated, " It has to be over a year before they will even consider my dispute or removal of unauthorized inquiries. '' The following inquiries were made without my knowledge or authorization and should be investigated and removed from my credit report : - 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  - Experian Business Credit : XXXX XXXX, XXXX - Experian Business Credit : XXXX XXXX, XXXX I am requesting that these inquiries be deleted from my credit report immediately. If the companies that made these inquiries can not provide documented proof of my authorization, the entries must be removed in compliance with the FCRA. 
Please consider this a formal dispute of these unauthorized inquiries. I am also requesting a new copy of my credit report showing the removal of these entries once the investigation has been completed. ( I have requested this verification several times from previous disputes and never received it ).

Company response to consumer: Closed with non-monetary relief