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: 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: MA

Complaint narrative:
What happened? 
I am filing a formal complaint against XXXX Bank XXXX for continuing to furnish and report inaccurate, incomplete, and misleading information related to a charged-off credit card account ( Account # XXXX ), with a reported balance of {$770.00}. 

This account was charged off and marked profit and loss write-off. However, XXXX Bank is still reporting a {$770.00} past due balance, which is factually and legally inaccurate. A charged-off account is no longer contractually delinquent, and reporting it as such misleads other creditors and scoring models. Additionally, the tradeline contains multiple data inconsistencies between the credit bureaus : Date of Last Payment is shown as XX/XX/XXXX, yet the Date Last Active is listed as XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( TransUnion ), which is chronologically inconsistent and impossible. 

The status is reported as charged off, yet simultaneously shown as having an active past due balancethis is a contradiction under XXXX XXXX XXXX credit reporting guidelines. 

I have disputed this account multiple times, yet the credit bureaus repeatedly respond with verified as accurate. This raises serious questions about the quality of the investigation conducted. If the account is still showing conflicting, inaccurate, and incomplete information, how can it be verified as accurate? 

Under the Fair Credit Reporting Act ( XXXX  ), this is a direct violation of : XXXX ( a ) ( XXXX ) ( A ) Reporting information with knowledge it is inaccurate. 

XXXX ( XXXX XXXX. XXXX ) Failure to conduct a reasonable reinvestigation of disputed data. 

XXXX ( b ) Credit bureaus must ensure maximum possible accuracy in the information they report. 

Supporting Case Law : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA can not simply verify with the furnisher ; they must conduct an independent investigation. 

XXXX v. XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Failure to correct disputed information after notice XXXX lead to liability. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Continued reporting of a disputed and inaccurate account constitutes willful FCRA violation.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am filing a formal dispute against the credit card company XXXX XXXX for inaccurately reporting a balance on my credit profile that should have been settled. 

I entered into a settlement agreement with XXXX XXXX for the amount of {$480.00} to resolve a total outstanding balance of {$690.00}. Per our agreement, once I paid the {$480.00}, the debt would be considered settled in full, and there would be no remaining balance. 

Despite fulfilling my part of the agreement, a remaining balance of {$200.00} is still being reported on my credit reports. This is inaccurate and misleading. The account is currently being reported this way across all three major credit bureaus ( XXXX, Experian, and XXXX ), which is unfairly impacting my credit score and financial credibility. 

This inaccurate reporting appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S. Code 1681i ( a ) Duty of credit reporting agencies to reinvestigate disputes of inaccurate information 15 U.S. Code 1681e ( b ) Requirement for maximum possible accuracy in consumer reports Under the FCRA, companies that furnish data to credit reporting agencies are legally required to ensure the information they report is accurate and complete. Failing to correct or remove incorrect information after a consumer dispute is a direct breach of these obligations. 

I am requesting the CFPB to investigate this matter and to take appropriate action, which should include XXXX of the following : Require XXXX XXXX to correct the credit reporting across all three credit bureaus to reflect a {$0.00} balance and a settled status, OR Remove the account entirely from my credit report due to the continued inaccurate and misleading reporting. 

Attached is any documentation I have regarding the settlement agreement and proof of payment. 

Thank you for your assistance in resolving this matter promptly. 

Date : XX/XX/year>

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: AZ

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am filing a formal dispute against the credit card company XXXX XXXX for inaccurately reporting a balance on my credit profile that should have been settled. 

I entered into a settlement agreement with XXXX XXXX for the amount of {$480.00} to resolve a total outstanding balance of {$690.00}. Per our agreement, once I paid the {$480.00}, the debt would be considered settled in full, and there would be no remaining balance. 

Despite fulfilling my part of the agreement, a remaining balance of {$200.00} is still being reported on my credit reports. This is inaccurate and misleading. The account is currently being reported this way across all three major credit bureaus ( Equifax, XXXX, and XXXX ), which is unfairly impacting my credit score and financial credibility. 

This inaccurate reporting appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S. Code 1681i ( a ) Duty of credit reporting agencies to reinvestigate disputes of inaccurate information 15 U.S. Code 1681e ( b ) Requirement for maximum possible accuracy in consumer reports Under the FCRA, companies that furnish data to credit reporting agencies are legally required to ensure the information they report is accurate and complete. Failing to correct or remove incorrect information after a consumer dispute is a direct breach of these obligations. 

I am requesting the CFPB to investigate this matter and to take appropriate action, which should include XXXX of the following : Require XXXX XXXX to correct the credit reporting across all three credit bureaus to reflect a {$0.00} balance and a settled status, OR Remove the account entirely from my credit report due to the continued inaccurate and misleading reporting. 

Attached is any documentation I have regarding the settlement agreement and proof of payment. 

Thank you for your assistance in resolving this matter promptly. 

Date : XX/XX/year>

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX, and I am filing a formal dispute against the credit card company XXXX XXXX for inaccurately reporting a balance on my credit profile that should have been settled. 

I entered into a settlement agreement with XXXX XXXX for the amount of {$480.00} to resolve a total outstanding balance of {$690.00}. Per our agreement, once I paid the {$480.00}, the debt would be considered settled in full, and there would be no remaining balance. 

Despite fulfilling my part of the agreement, a remaining balance of {$200.00} is still being reported on my credit reports. This is inaccurate and misleading. The account is currently being reported this way across all three major credit bureaus ( XXXX, XXXX, and TransUnion ), which is unfairly impacting my credit score and financial credibility.

This inaccurate reporting appears to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S. Code 1681i ( a ) Duty of credit reporting agencies to reinvestigate disputes of inaccurate information 15 U.S. Code 1681e ( b ) Requirement for maximum possible accuracy in consumer reports Under the FCRA, companies that furnish data to credit reporting agencies are legally required to ensure the information they report is accurate and complete. Failing to correct or remove incorrect information after a consumer dispute is a direct breach of these obligations. 

I am requesting the CFPB to investigate this matter and to take appropriate action, which should include XXXX of the following : Require XXXX XXXX to correct the credit reporting across all three credit bureaus to reflect a {$0.00} balance and a settled status, OR Remove the account entirely from my credit report due to the continued inaccurate and misleading reporting. 

Attached is any documentation I have regarding the settlement agreement and proof of payment. 

Thank you for your assistance in resolving this matter promptly. 

Date : XX/XX/year>

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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have derogatory marks to my credit report that are lowering my credit significantly and I dont know who they are from.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: MI

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 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: LA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
There is no signature of mine on this. I've never met these people. I have never had a meeting of the minds with these people. I have never set across the table and discuss any terms. I have never received a payment schedule. Or what my minimum monthly payment should be or could be. I have not received any information about this. I need this deleted as there is no way. This can be validated or verified. As me.I never did any of this.I should not have an account with these people The CRA credit reporting manual instructs debt collectors to delete their reporting collection in the event that their collection authority is terminated and the debt remains unpaid. Updating to closed is not sufficient. I would like this permanently. Remove as accuracy has not been maintained. There are accounts on certain credit reporting agencies and not on others. I was promised fair and this does not seem fair. Delete immediately or I'd like to take it further legal.

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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Dept of ED/Aidvantage account # XXXX this account was paid off prior to date and should have been deleted as of 2017. Made several contacts regarding information and going online to aidvantage.studentaid.gov/CALM2ED/ForgotPassword.do? Step=process. With no access to their website with my information being verified. I was told that they had no information on this account. Therefore they have no right to report or leave the adverse creditor on all XXXX  XXXX  credit reports, which has affected my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is a request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I'm asking for proof of my obligation to pay and evidence that I am the party you're seeking payment from. This isn't a request for verifying my address, but a formal demand for validation. 
If your company or the company you represent continues to report invalidated information to credit bureaus, it may constitute fraud. I'm prepared to take legal action for any violation of the FDCPA. 
If you're able to provide the required documentation within 30 days, I'll review it. During this period, all collection activities must stop. If you fail to respond, all references to this account must be removed from my credit file. 
Please provide the following : Agreement authorizing collection on this debt. 
Agreement with my signature agreeing to pay the creditor. 
Any insurance claims or judgments related to this account. 
Creditor 's name and address.

Debtor 's name and address.

Alleged account number, debt amount, and payable date.

Verification of debt assignment or sale. 
Detailed accounting of the debt. 
Commission information for successful collections. 
If any part of this request is incomplete, it will not be considered. Please allow 30 days for processing once I receive this information.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I did not give expressed written consent to or authorize any third-party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft XXXX XXXX XXXXXXXX XXXX # XXXX OPEN DATE XX/XX/XXXX XXXX XXXX # XXXX XXXX ACT # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX DATE OPEN XX/XX/XXXX Please promptly remove this data within 4 business days pursuant to 15 USC 1681-C-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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: 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 XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Are showing late. Account # 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