vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report from Experian, Equifax, and Transunion. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. 
According to the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please properly investigate these items and remove them. These accounts or inquiries were not authorized by me whatsoever!

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 2025-05-04 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that appear on my credit report from Experian, Equifax, and Transunion. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. 
According to the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please properly investigate these items and remove them. These accounts or inquiries were not authorized by me whatsoever!

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I disputed a collection account reported by Midland Credit Management that appears on my XXXX  credit report on XX/XX/year>. I requested validation of the debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), but Midland failed to provide sufficient documentation proving that the debt is valid and that I am responsible for it. 

Despite the lack of verification, the account is still being reported to XXXX, negatively affecting my credit. I believe this violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ), as unverified or inaccurate information should not be reported. 

I am requesting that this account be removed from my credit report immediately unless Midland can provide full validation, including : A copy of the original signed agreement or contract Full payment history Proof that Midland has the legal right to collect this debt Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
This account was charged off on XX/XX/2025. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of 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 2025-05-04 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:
This account was charged off on XX/XX/2025. Since then, the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
How is a customer with US Bank approximately XXXX to XXXX. At XXXX point I overdrue my account by a significant amount, much more than was stated in the terms and conditions set by the bank that I was able to overdraw. It was my mistake and I went in right away to try to resolve the problem I then took care of the money that was overdrawn within a prompt and timely manner. I was overdrawn nearly XXXX dollars and paid the amount back to the bank within the same month. All it was being left from this mistake was fees of which I paid a significant amount of. The fees total somewhere between {$700.00} and {$800.00} that were left owing the bank after everything else has been paid off regarding principal of the debt as well as I think XXXX worth of fees that I incurred as well. I refuse to pay this and it's sat for almost 7 years which was the statue of limitations on a debt to be remaining on my credit report which they put into collections and it went into collections almost immediately. It was somewhere around XXXX or XXXX months left before it would have hit the XXXX Mark and XXXX off of my credit report when anonymously someone somewhere deposited {$5.00} into my account that was supposed to be a closed already I have no idea where this money came from I would not have sabotaged this to myself that it wouldn't make any sense so it is my assumption that US Bank is taking old XXXX accounts such as this which I remind you that we're only a substantial number of fees for the overdrawn amount that I had already paid back, and informing collections agencies about them before they go to drop off credit reports and either that somehow somebody within the mix that knows about this account cuz nobody would know about this account other than me as it's an it hadn't been touched in almost 7 years and colluding to make a transaction which would show activity on the account therefore allowing it to stay open on my credit report. I feel this is unethical at the least and definitely breaking consumer financial guidelines of some sort. I don't think that I'm supposed to name the specific bank that did this to me so I won't but please inform me I have made a mistake by not stating the name of the bank here.

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 2025-05-04 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: SC

Complaint narrative:
In XX/XX/XXXX, I discovered several accounts on my credit report that I did not authorize. These accounts were opened without my knowledge and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX Line of Credit Opened on XX/XX/XXXX XXXX XXXX, XXXX Line of Credit Opened on XX/XX/XXXX XXXX XXXX XXXX Charge Card Opened on XX/XX/XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX card Opened on XX/XX/XXXX XXXX XXXX XXXX Unsecured Opened XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Credit card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Unsecured Opened on XX/XX/XXXX Credit Central Unsecured Opened on XX/XX/XXXX XXXX Charge Card Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  Debt Buyer Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX These accounts were added to my credit report without my 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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
XXXX FOR XXXXMONTHS IS REPORTING INCORRECT INFORMATION FOR MY NAVY FEDERAL CREDIT CARD ACCOUNT!!! I AM SICK OF THEM MESSING UP MY CREDIT SCORE & REPORT! I HAVE DISPUTED XXXX TIMES & CALLED THEM NUMEROUS TIMES, ABOUT THIS ERROR THAT CAN BE EASILY FIXED! I HAD THIS ACCOUNT FOR XXXX YEARS & NEVER DID XXXX  MAKE THS ERA. THE ACCOUNT IS REPORTING IN A SEPARATE AREA OF MY CREDIT REPORT NOT WITH MY OTHER OPEN ACTIVE ACCOUNTS, ITS SHOWING OPEN BUT PAID OFF & NO OTHER INFO. NO PAYMENT HISTORY, NO BALANCE, NO CREDIT LIMIT, NOTHING, BUT ITS SAYS OPEN & PAID OFF. I HAVE A {$25000.00} CREDIT LIMIT & A BALANCE OF {$120.00} WHY ARE THEY DOING THIS TO ME?? ITS LIKE ON PURPOSE, WHEN THEY KNOW IM IN THE PROCESS OF BUYING A NEW HOME!!! I WAS TOLD IT WOULD BE CORRECTED A MONTH AGO!!! THEN I CHECKED IT YESTERDAY & IT WAS BUT THEY DIDN'T GIVE ME MY XXXX POINTS BACK, BCZ WHEN THEY REPORTED IT, IT WAS REPORTED LIKE IT WAS CLOSED & I LOST XXXX POINTS!!!! NOW I CHECKED TODAY & ITS BACK REPORTED WRONG!! I AM SEEKING LEGAL ADVISE, XXXX IS HOLDING ME UP FROM GETTING MY NEW HOME!!!! HOW CAN YOU REPORT A POSITIVE, OPEN ACCOUNT, NEVER LATE & HIGH CREDIT AMOUNT, INCORRECTLY, SHOWING NOTHING BUT ITS PAID OFF NO OTEHR DATA BUT THE NAME, NAVY FEERAL & THE DAY IT WAS OPENED! ITS SICK, THEY ALLOWTHESE AI MACHINES TO DO HUMAN WORK! & NOW I HAVE TO TAKE IT PERSONAL. BCZ ITS SIMPLE TO FIX! THEY ARE PURPOSELY TRYING TO HOLD ME BACK & I'M NEVER GOING SPEND A PENNY ON ANY OF THEIR MEMBERSHIP AGAIN!! XXXX PLEASE FIX MY CREDIT REPORT HOW IT IS SUPPOSE BE ACCURATELY! YOU ARE BREAKING THE LAW & VIOLATING MY RIGHTS!! & THIS TIME I AM SEEKING LEGAL COUNSEL TO SUE. YOU ARE STOPPING ME FROM BUYING MY HOME!! I WORK TOOOOOOOO HARD TO HAVE A GOOD CREDIT SCORE & YOU ARE MESSING UP BEST ACCOUNT!!! I NEED THAT ACCOUNT SHOWING ACCURATE, THAT IS MY BIGGEST CREDIT CARD LIMIT, I NEED IT SHOW CORRECTLY ON MY REPORT, WHEN I APPLY FOR A HOME!!! THIS IS THE LAST TIME I REQUEST FOR MY RIGHTS TO STOP BEING VIOLATED & CORRECT THIS MATTER IMMEDIATELY!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
The account was charged off on the following date XX/XX/XXXX. Since then the account has been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.

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 non-monetary relief
Consumer complaint received 2025-05-04 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:
The account was charged off on the following date XX/XX/XXXX. Since then the account has been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account.

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
Equifax, XXXX and Experian breached my data. Someone used my information to apply for loans and credit cards. 

The credit bureaus have refused to delete all erroneous business credit on my report. 

They listed incorrect addresses and refused to delete them. 

They listed hard inquiries that I didn't apply for. 

They are still keeping my XXXX XXXX open when all was forgiven and paid for. 

They messed my credit score up. 

As a result of their malicious, willful, and intentional actions, I filed for bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: CA

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 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 2025-05-04 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: NY

Complaint narrative:
At your request birth cert, social security, bill, passport FTC report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Copied from Previous Complaint last Year : The above company last year managed to take my tax return for themselves. They claimed during my time in the XXXX I ran several grand on a credit card with them at XXXX XXXX, GA. I disputed the debt ; I pointed out the date and time they claimed ( IN WRITING that I still have ) was impossible, as I had been XXXX XXXX XXXX prior to the first purchase. This debt was claimed to be from XXXX ( XXXX, now XXXX years? ). They never followed up on this and I was left to assume it would no longer be a problem and eventually forgot about it. Until recently I found they had managed to take another tax return. I was under the impression you had to take someone to court to take a tax return? I have never been to court with them. Calling them yields nothing as they claim I have not disputed the debt ( I have the paperwork still ). A lawyer would cost more then I can afford but at this rate it may cost me less to buy a lawyer then to deal with these people further. 
XXXX XXXX. 

They never responded to me sending my proof. They have stolen another tax return. At this point they have stolen WELL over the amount they claimed I owed. From a debt they claim from XXXX years ago that I have never once paid into. They don't even acknowledge the tax returns they have taken already in their written statement, because apparently that was free money for them. In the last set of contact I got from them they decided to add several grand to the debt. I don't even know how they justify that. When I called and complained last ( around XXXX of XXXX ) they claimed it was in error and it would be fixed. They once again didn't fix it. 

I don't even know how they managed to have my tax refund sent to them. Don't you have to go to court for that?!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: ND

Complaint narrative:
Their tactics on trying to collect a wrongful sentencing of a debt appear to express a credit tampering tactic strategically increasing the debt by XXXX dollars every so often to disrupt the XXXX XXXX further than necessary. 
The balance increases and is reported to a webpage that has a log for proof regarding the matter. 
As well as the debt XXXX changing the year so the debt never falls off. 
Theres XXXX of XXXX debts that they started in XXXX but it has changed every year, now stating XXXX I dont have a picture of when it started, but I do have proof that shows a jump from XXXX to XXXX. 
The balance is incorrect/ and or not owed due to a paper the company of origin signed stating so. 
The multiple attempts over the years to hinder the XXXX XXXX up until just recently was not realized to be a crime until investigation. 
Has caused major stress on myself and is unnecessary to my constantly growing family of XXXX, on my single income checks. 
Please correct the wrongfully committed adjustments. 
I have contacted my attorney on the matter as well. Thank you I also have many more pictures of both debts raising by a dollar, or a few dollars, every month. And changing years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-04 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: FC HoldCo LLC
State: MI

Complaint narrative:
Please REMOVE fraudulent inaccurate inquiries immediately

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 2025-05-04 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: GA

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 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 2025-05-04 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I am filing this formal complaint regarding and incorrect and damaging charge off currently being reported on my credit report by Comenity BankXXXX this account listed under the member reference above is being reported incorrectly in violation of the fair credit act ( FCRA ) specifically sections 609 and 611 which give me the right to dispute and demand verification of information reported about me The spirited multiple attempts to resolve this matter directly with the creditor and the creditor bureaus discharge off remains on my credit file negatively impacting my creditworthiness The creditor has failed to provide proper documents that verifies the validity and accuracy of this account as requested by law

Company response to consumer: Closed with explanation