vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: VA

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 2025-09-03 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: VA

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 non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I had a conversation with a representative named XXXX at the TransUnion Escalation Department. I wanted to address my concerns regarding my lack of online access to my credit report for several years. During our discussion, I learned that my access had been restricted due to a precautionary measure related to potential identity theft. I am unable to view, dispute or place a fraud alert on my credit file. 

While I understand the need for security, I find it somewhat concerning that I have been locked out of my account without any concrete evidence of fraudulent activity. It seems that I should be able to access my information online, as many others do, while still having protections in place. 

Approaches like locking or freezing a credit file, as well as placing fraud alerts, are valuable tools to prevent suspicious activity, and I would appreciate the opportunity to access my account as well. Thank you for considering my request, and I hope we can find a resolution that balances my need for access with security concerns.

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 2025-09-03 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I am being repeatedly contacted by XXXX regarding tickets from XX/XX/2022. These tickets were transferred to XXXX and sold there. Before the day of the event I received a phone call from XXXX asking about the tickets, I informed them they were sold online on XXXX and to please take them down. The rep who was a woman said she would take it down, I am almost certain I had flagged it. I informed XXXX of this in an email sent in XX/XX/2022, and I provided them with that explanation. 

Despite this, I continue to receive harassing emails from XXXX attempting to collect on these tickets. This issue has been ongoing for over XXXX years, even though I do not owe XXXX anything. 

Impact : I am experiencing ongoing harassment via email. 

I think it has gone to my credit affecting it negatively because it has been handed to TrueAccord XXXX has failed to update their records despite my prior communication. 

Their continued attempts to collect are unfounded and misleading.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I had XXXX returned payment and have consistently paid off the special financing loans that I took. Synchrony claims that I have XXXX or more returned payments that I don't see proof of. They abruptly closed my account without any warning or notice. They now claim I have to apply for a new account.

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 2025-09-03 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-09-03 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express blocked an incoming ACH transfer to my High Yield Savings Account ( HYSA ) without providing any specific reasoning at the time. This resulted in a returned ACH transfer and caused my other financial institution ( XXXX ) to charge me a returned payment fee. Amex never notified me clearly in advance that this type of transfer would be rejected, despite having previously allowed similar transfers. 

They did not warn me that the transfer would be rejected due to an alleged linking issue, and failed to display any sort of warning at the initiation point. 
The only communication I received was a vague email asking me to call them, which did not explain the problem. 
After I called and escalated, customer service told me that the transaction violated policy without explaining how. 
I provided documentation showing the account was mine, but was still denied reimbursement for the returned ACH fee. 
This led to financial damage despite me acting in good faith and believing the account was properly linked. 

The transfer was rejected on or around XX/XX/XXXX and XX/XX/XXXX, and I contacted Amex customer service on XX/XX/XXXX for over XXXX minutes, including escalation. The issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am disputing an account reported by LVNV Funding / Resurgent Capital Services ( original creditor listed as XXXX XXXX XXXX  ). I have never had an account with XXXX XXXX XXXX  or LVNV, and I have no relationship with these companies. 

For over XXXX months, I have submitted multiple disputes, including an identity theft affidavit, a cease-and-desist notice, and written requests for validation. Despite this, the account continues to be furnished to the credit bureaus with a balance of {$850.00}. 

On XX/XX/XXXX, Resurgent issued a written response. Their letter is deficient and constitutes ongoing violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : Failure to Validate ( FDCPA 1692g ( b ) ) They failed to provide the documents I demanded : the original signed credit agreement, itemized statements, assignment/chain of title, payment history, and proof of ownership. Instead, they provided a generic validation notice, which courts ( e.g., XXXX v. XXXX XXXXt ) have ruled is not lawful validation. 

Re-Aging / Misreporting ( FCRA 1681c ; FDCPA 1692e ) Their letter admits reporting an Open Date of XX/XX/XXXX ( the date LVNV acquired the account ) while also using a Date of First Delinquency of XX/XX/XXXX. This is misleading and artificially extends the reporting period, a prohibited practice known as re-aging. 

Failure to Reinvestigate ( FCRA 1681i ) Despite repeated disputes, they recycled the same boilerplate response without conducting a meaningful reinvestigation, which violates their statutory duties. 

Identity Theft Violation ( FCRA 1681c-2 ) After receiving my identity theft affidavit, they were required to block reporting unless they could prove accuracy. They failed to do so and continue to furnish this account.

Continuing Collection Activity on a Disputed Debt ( FDCPA 1692g ( b ) ) By furnishing this account to the credit bureaus while under dispute and without validation, they are engaging in unlawful continued collection activity. 

Resurgents response is inadequate, misleading, and unlawful. This tradeline is unverifiable, inaccurate, and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Ive been a loyal Chase customer since XXXX, holding Credit Card # XXXX. For nearly XXXX  years, I maintained a flawless payment history. Unfortunately, due to a sudden health condition that left me XXXX, I lost my job and income. As a result, the account was settled. 

In an effort to rebuild my credit profile, Ive reached out to the major credit bureaus requesting a goodwill removal of this account. Each bureau has clearly stated that only the original creditorChasehas the authority to initiate such a request. 

Despite my long-standing relationship and consistent payment history, Chase representatives have repeatedly redirected me to the bureaus, who can not act without Chases instruction. This has been deeply disappointing, especially given the circumstances that led to the accounts settlement. 

I respectfully ask Chase to reconsider my goodwill request. Removing this account from my credit report would significantly support my efforts to regain financial stability and continue my path toward recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: PA

Complaint narrative:
I am filing a complaint because the credit bureaus continue to allow inaccurate and even fraudulent reporting of collections on my file. 

Here are the accounts in question : XXXX {$1200.00} : Reported as open on Equifax, closed on Experian, and placed for collection on TransUnion. These contradictions show it is unverifiable. 

XXXX XXXX XXXX {$1000.00} : Different bureaus show different balances and statuses. One shows it as 120 days late, others do not. 

XXXX XXXX XXXX {$380.00} : Contradictory statuses across the bureaus. One lists open, another closed/paid. 

XXXX XXXX {$2600.00} : This account is fraudulent. I have never done business with XXXX XXXX, nor do I owe them any debt. This is identity-related fraud and must be permanently deleted under FCRA 605B XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-03 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXXXXXX XXXX XXXXXXXX - the inquiry was not authorized. 
XXXX XXXX- the inquiry was not authorized. 
XXXX XXXX XXXX - the inquiry was not authorized. 
XXXX XXXX- the inquiry was not authorized. 
XXXX XXXX XXXX- the inquiry was not authorized.

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 2025-09-03 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:
I am formally disputing the account reported as XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on my credit reports, as it contains multiple errors and inconsistencies among the three bureaus ( TransUnion, Experian, and Equifax ). 

According to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), you are required to report information that is complete, accurate, and verifiable. However, this account reflects contradictory data that has unfairly damaged my credit history. Below are the errors : 1. Reported Balance : TransUnion reports a high balance of {$4100.00}, while Experian and Equifax report {$0.00}. 
This discrepancy is unacceptable and shows a lack of accuracy.

2. Dates of Activity and Closure : TransUnion lists the last payment as XX/XX/XXXX, while Equifax reports the last payment as XX/XX/XXXX. 
The account closure date also differs, with TransUnion showing XX/XX/XXXX, while the others report no closure date.

3. Account Status : TransUnion and Equifax report the account as XXXX, while Experian lists it as XXXX Legally paid in full for less than full balance. 
These contradictions affect the interpretation of my financial standing.

4. Rating and Remarks : Equifax marks the account as Derogatory, while TransUnion and Experian report it as Paid.

Additionally, the creditor remarks differ between bureaus, reflecting mishandling of a prior dispute. 

Because this information is contradictory, incomplete, and harmful, I demand under Sections 609 and 611 of the FCRA that you : Conduct a complete investigation of this account.

Immediately delete all inaccurate information. 
Permanently delete the account if you can not verify it with valid, signed, and verifiable documentation. 
Provide me with an updated and corrected credit report within the 30 days required by law. 

Maintaining inaccurate information has caused significant harm to my credit and constitutes a direct violation of the FCRA. I reserve the right to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action for negligence in your duty to report fair and accurate information.

Company response to consumer: Closed with non-monetary relief