vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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 am filing this complaint against XXXX XXXX XXXX XXXX for reporting inaccurate and unverifiable information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection laws.

Inconsistent Reporting Across Credit Bureaus : Equifax, TransUnion, and Experian are all reporting different information regarding this account. 
Some list the account as " charged off, '' others say " unpaid balance reported as a loss, '' and TransUnion provides no meaningful payment history.

This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent data.

Failure to Report Correct Payment History : The account shows a charge-off status with a {$0.00} balance, yet it's being reported as a major derogatory account with multiple lates. 
Payment history contains errors and fails to reflect a properly maintained timeline some months are missing or marked NR with derogatory marks still showing, which is misleading. 
Possible Duplicate Reporting ( If Sold ) : The account is noted as " purchased by another lender. '' If this debt has been sold or assigned to a collection agency ( such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no longer owns the debt. 
The original creditor should cease reporting this account as it results in duplicate derogatory reporting, violating the FCRA and FDCPA. 
Lack of Verifiable Documentation : I have requested proof of the original account agreement, detailed payment records, and the complete accounting breakdown of charges and charge-off activity. 
No such documents have been provided. As a result, the reported information is unverifiable and must be removed under FCRA 609 and 611.

Relief Requested : I am demanding the immediate deletion of this XXXX XXXX XXXX XXXX account from all three major credit bureaus ( Equifax, TransUnion, and Experian ) due to : Inaccurate, inconsistent, and misleading information Unverifiable data and lack of documentation Possible duplicate reporting by a debt buyer Violation of my consumer rights under FCRA and CFPB regulations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
My account was permanently restricted for suspected fraud or scam but I am not aware of any of those activities. It stopped working on XX/XX/XXXX. Another was restricted on XX/XX/XXXX without an explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 am filing a formal complaint against XXXX XXXX XXXX XXXX regarding the inaccurate reporting of a charged-off account. The account in question, ending in XXXX, has been reporting a charged-off status across TransUnion and Equifax, with a high balance of {$150.00} on a {$100.00} credit limit and 157 % utilization. This has significantly impacted my credit profile. 

Specific Issues and Disputes : XXXX XXXX XXXX : The account has been marked as 90 days late every month from XX/XX/XXXX to XX/XX/XXXX, which is inaccurate, excessive, and misleading. 
It is not feasible or logical for a closed or charged-off account to continue reporting new delinquencies over XXXX consecutive months. 
Inconsistent & Incomplete Reporting : The account is being reported only to XXXX bureaus ( Equifax and TransUnion ), and missing from Experian, which violates the Fair Credit Reporting Act ( FCRA ) regarding consistent and complete reporting if furnished. 
No Verification of Debt Validity : I have never received proper validation of this alleged debt per 15 U.S. Code 1692g ( Validation of debts ).

There has been no proof provided that I agreed to or owe this amount, and no documentation of a charge-off was furnished.

FCRA Violation Inaccurate & Outdated Reporting : Reporting monthly XXXX delinquencies for XXXX consecutive years is inaccurate, misleading, and considered re-aging of debt. 
The account was closed in XX/XX/XXXX, yet the updates reflect ongoing delinquency well into XXXX. This suggests a deliberate attempt to suppress credit improvement and extend the derogatory impact. 
Requested Resolution : I am requesting the immediate deletion of this account from all credit reporting agencies due to the following : Re-aging of delinquency status after account closure Inaccurate payment history Lack of full validation Disproportionate and damaging credit utilization report Violations of the Fair Credit Reporting Act and Fair Debt Collection Practices Act This account is suppressing my ability to obtain credit and is being reported in a manner that is both false and prejudicial. 

Please investigate this matter thoroughly and ensure full deletion of the account from Equifax 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 2025-04-09 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: 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. 

NEW XXXX XXXX - XXXX XXXX  XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX : XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Account ( s ) Due to Identity Theft Acct # XXXX To Whom It May Concern, I am writing to report that I am a victim of identity theft, and fraudulent activity has occurred under my name involving Bank of America . I did not open, authorize, or have any knowledge of the account ( s ) or transactions that have been reported under my identity.

This fraudulent activity has damaged my banking history and is preventing me from opening a legitimate account. I request that Bank of America thoroughly investigate the situation and remove any unauthorized accounts or transactions linked to my name or Social Security number.

Please consider this letter a formal dispute and request for Full investigation into any account ( s ) opened fraudulently in my name.

Removal of all fraudulent information from your records.

Written confirmation that I am not responsible for these accounts. 
Notice to XXXX and any relevant reporting agencies to clear my name. I was incarcerated when this occurred

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I requested debt validation and the company did not pause any communication attempts and/or collection activities. They did not investigate the debt properly, nor did they submit the validation to me in the within the appropriate law regulated time frame. The company stated they purchased the debt on XX/XX/XXXX and responded to a dispute from the credit bureau on XX/XX/XXXX, however the debt validation letter I received from the collection agency is dated for XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was accused of profiting from wires from my account, I did not. There were XXXX people involved in taking my funds, DOJ caught then. I previously send you many pages of correspondence from DOJ, I want to send you two more pages.

One document is where I requested stopped as I caught it before it left the bank, it states it was canceled but it was not.

The other page it where Chase accused me of profiting from the wires. That is a lie.

I dont have the previous account number, last 4 digits were XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
Several repossessions are being reported on my credit report under the laws of the state of XXXX  specifically UCC 681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXX  XXXX XXXX XXXX {$560.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX BALANCED {$1100.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$180.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$500.00} DATE OPEN : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

XXXX  XXXX XXXX XXXX {$560.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX BALANCED {$1100.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$180.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$500.00} DATE OPEN : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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 reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. XXXX XXXX XXXX  account XXXX date showing late XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. XXXX XXXX XXXX  account XXXX date showing late XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont understand how they got there. I routinely monitor my report, but these errors appeared out of the blue. I refreshed the page in case it was a browser glitch, but the incorrect entries stayed. Because of this, Im asking that you carefully examine the documents Ive submitted to resolve this issue permanently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 take my credit seriously, and I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: SC

Complaint narrative:
On my Experian I have XXXX  inquiries that I did not authorize for anybody to run my credit on my TransUnion I have XXXX inquiries on there that I did not authorize for anybody to run XXXX land I got a hold of my social and just ran my credit without my permission numerous times and the same thing happened to my Equifax credit report as well they got like XXXX or XXXX inquiries on that with nobody had my permission to run at all I set up the fraud notification so if somebody tried to run my credit they have to notify me and call me and it seems like nobody is notifying me or calling me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

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 explanation
Consumer complaint received 2025-04-09 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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