vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: PA

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 2025-06-12 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: IL

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 2025-06-12 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: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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 2025-06-12 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 don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
Attached is a dispute letter dated XX/XX/XXXX, from myself, XXXX XXXX to TransUnion. Included are all documents needed for dispute. 

This is an urgent follow-up to previous disputes regarding the XXXX XXXX XXXX account ( ending in XXXX ). 

The central issue is that TransUnion continues to report this account as " Charged off as bad debt '' as of XX/XX/XXXX, with no payment history available. This reporting is inaccurate and contradicts verified information and the actions of another credit reporting agency. 

Key Factors of removal of account : XXXX XXXX XXXX XXXX XXXX  Deletion : * * As of XX/XX/XXXX, XXXX XXXX Credit Report officially reflects deletion of this exact account ( XXXX ) from, I, XXXX XXXX 's credit report. XXXX  stated, " This item was removed from your credit report, '' and this deletion was based on information reported by the original creditor, XXXX XXXX, who certified that the information is inaccurate. 
* * * FCRA Violations : * * The letter asserts that TransUnion 's continued reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ). The letter specifically cites : * FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of reported information.

* FCRA Section 622 ( 15 U.S.C. 1681s-2 ( b ) ), which outlines the responsibilities of furnishers of information to consumer reporting agencies. 
* TransUnion 's failure to remove the account, despite clear evidence of its deletion by XXXX  based on creditor certification, is a failure to follow reasonable procedures to assure maximum possible accuracy. 
* * * Demand for Action : * * I, XXXX XXXX, demand the immediate and complete deletion of the XXXX XXXX XXXX account ( XXXX ) from my TransUnion credit report. A copy of the XXXX  report showing the deletion is attached as supporting documentation. 
* * * Expected Resolution : * * Written confirmation of the deletion and an updated credit report are expected within XXXX ( XXXX ) business days from the date of the letter.

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 2025-06-12 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: LA

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 non-monetary relief
Consumer complaint received 2025-06-12 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: LA

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian reporting late status when the account is in fact not late

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: IL

Complaint narrative:
I paid for my XXXXXXXX XXXX  outright and do not owe on the timeshare. The XXXX XXXX is trying to collect Maintenance Fee 's for years I did not travel, and was restricted from traveling due to XXXX. I was told we did not have to pay maintenance fees if I was not using the timeshare for that season. I had the option of paying the maintenance fee if I wanted to " Bank '' the time for later use. We had no way of knowing how bad Covid would be, or when we would be able to travel. Now Monterey Financial Services is trying to collect the maintenance fees for the years we did not travel due to Covid. We have no agreement with Monterey, but with the XXXX company " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a XXXX company. Still, If I am to resolve this, Monterey Financial Services should provide the Legal Transfer of Ownership from the XXXX company I had agreement with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I started a dispute process with Crypto.com and an investigation was opened. On XX/XX/year>, they refunded the funds, and the money briefly appeared in my account for XXXX night. The next day, the funds were removed from my account again. I contacted Crypto.com support multiple times, and they told me they would transfer the funds into my cash account. Since then, nothing has happened. Every time I contact them, they give me the same generic responses : that they understand and are working on it, but no action is taken. This issue has been ongoing since XX/XX/XXXX, and despite multiple promises and confirmations, my funds remain inaccessible. They continue to delay and unlawfully hold my money without providing a clear explanation or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX ( a ) ( XXXX ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report. 
Legal Basis for Dispute : Under XXXX XXXX XXXX XXXX ( a ) ( XXXX ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice. 
Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within XXXX business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX * * Account Name : XXXX XXXX XXXX Account Number : XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
Under 15 U.S.C. 1681c2, as a victim of identity theft, I have the legal right to request that fraudulent accounts and information be blocked from my credit report. After providing the necessary documentation, such as I.D., social security card and identity theft report, the credit bureaus ( Experian, Equifax, and TransUnion ) are required by law to block any fraudulent accounts and delete them from future reports within 4 business days. This ensures that any accounts, inquiries, or debts resulting from identity theft will not negatively affect my credit score or financial standing. 

The 4-day block and delete requirement is essential for protecting me from the lasting damage caused by identity theft. If the credit bureaus fail to meet this deadline, they would be in violation of the Fair Credit Reporting Act ( FCRA ). In such cases, I can escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action to ensure my rights are upheld. By using this method, I can promptly restore my credit report and prevent further harm from fraudulent accounts.

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 2025-06-12 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX DC XX/XX/XXXX TransUnion Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I began to receive text messages about a debt I owed to XXXX XXXX XXXX. I have never had their services for anything I have owned. They are trying to get me to pay a little of it for a discount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
I noticed I had a charge on this credit card that I have not used in months. XXXX of the charges was not authorized, which is in dispute, the second which really bothers me is a {$4.00} membership fee that they just started charging, they did waive it this month but going forward they will charge me! Here is my problem. This new charge was never mentioned to me. I was not contacted. I was not emailed. I was not texted. This is a non-disclosure of material facts & a breach of Truth & Lending Laws ... since they will not wave the annual fee ( I have excellent credit ) I would be more than happy to terminate the card providing that there is no negative implication on my credit, since this is probably impossible to do because my available credit will be lower by the credit line. It will affect my score. This is not my fault.It probably doesn't sound like a big deal, but to someone who guards their credit like a pitbull and takes pride in having good credit, it is important, simply put the right thing to do is for them to waive the annual fee or register the complaint and I'll go forward trying to seek an equitable outcome. 
Please do not publish my name! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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