vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
TransUnion on my credit file. The account in question is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a date opened of XX/XX/year> and a reported balance of {$2500.00}. I believe this account is being reported inaccurately, and I am formally requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ). 

To date, I have not received any verifiable documentation or account-level evidence that proves the accuracy of this charge-off. TransUnion has continued to report this negative item without providing any signed agreements, original account statements, or proof of liability directly tied to me. This is a direct violation of FCRA Section 1681e ( b ), which requires consumer reporting agencies to maintain accurate and complete information. Moreover, if TransUnion is unable to verify the account with competent documentation, it is obligated under Section 1681i to delete or correct the information within 30 days of my dispute. 

The continued presence of this unverifiable charge-off severely harms my creditworthiness and presents a misleading snapshot of my financial behavior to potential lenders. It also places an undue burden on me as a consumer, as I have to suffer the consequences of an entry that may not even be legally attributable to me.

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 2025-06-19 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: 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 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 2025-06-19 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is a continued presence of inaccurate addresses on my credit report, despite my previous request for their removal. Although, I provided proof of my address in my first attempt to remove this an accurate information, My credit report, generated on XX/XX/year> lists the following addresses that are no longer associated with me and should be removed : - XXXX XXXX XXXX, XXXX, PA XXXX - XXXX XXXX XXXX, XXXX, PA XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), Experian is required to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit report. The inclusion of these outdated addresses is inaccurate and does not reflect my current residency, thereby violating this provision.

Additionally, pursuant to 15 U.S.C. 1681s-2, furnishers of information are obligated to provide accurate and complete information, and Experian, as a consumer reporting agency, must ensure the accuracy of such data. Furthermore, under 15 U.S.C. 1681i ( 5 ), if an item of information disputed by a consumer can not be verified, or if the furnisher does not correct the information, it must be deleted from the consumers file. 

I previously submitted a dispute requesting the removal of these addresses, and Experian has failed to comply with these legal obligations by not removing the inaccurate information. This failure constitutes a violation of the FCRA, and under 15 U.S.C. 1681n, Experian may be held civilly liable for willful noncompliance with these requirements.

I hereby request the immediate deletion of the aforementioned addresses from my credit report, as required by 15 U.S.C. 1681i ( 5 ).

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 2025-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX Date : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Subject : Demand for Investigation and Removal of Fraudulent Charge-Offs and 1099-C Violations To Whom It May Concern, I am writing to formally address and dispute significant discrepancies and questionable accounting practices reported by your institution. Upon evaluating your financial reporting in accordance with Generally Accepted Accounting Principles ( GAAP ) and reviewing my credit file and IRS filings, I believe your company has engaged in fraudulent and deceptive practices in violation of both credit reporting laws and IRS regulations. 
Issues Identified : XXXX. Improper Charge Off Reporting : The account listed under Account XXXX XXXX has been reported as a charge-off on my credit report. However, there is no legitimate documentation supporting the legal validity of this debt, nor any substantiated balance due that adheres to GAAP standards of revenue recognition and debt extinguishment.

XXXX. Failure to Issue IRS Form 1099-C : Under IRS regulations , once a debt is discharged or dee
med uncollectible and written off as a loss, a 1099-C Cancellation of Debt form is legally required to be issued to the debtor and the IRS. Your company has failed to issue this document, indicating that you may have claimed a loss for tax benefit purposes while continuing to collect or report the debt, a clear indication of deception and potential tax fraud. 
XXXX. Violation of GAAP and Misleading Accounting : By failing to reconcile the charge-off through proper debt forgiveness documentation and by continuing to list an extinguished liability on my credit profile, you have misrepresented your financial standing both to the IRS and XXXX credit reporting agencies. This misreporting may constitute material fraud under GAAP and deceptive reporting practices under the Fair Credit Reporting Act ( FCRA ). 
Demands : Immediate deletion of the fraudulent charge-off from all credit reporting agencies.

Issuance of IRS Form 1099-C, retroactive to the year the charge-off was recorded, in compliance with IRS tax law. 
A written explanation detailing the accounting treatment of the charge-off and whether it was claimed as a loss or remains collectible. 
Full documentation showing legal ownership, assignment, and validation of the alleged debt. 
Failure to respond to this letter within XXXX business days will result in the filing of complaints with : The IRS Office of Professional Responsibility The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Inspector General ( OIG ) This matter is serious, and I expect full transparency and compliance with federal law and GAAP standards. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
WAKEFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research WAKEFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-19 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am a XXXX XXXX  and have been receiving repeated phone calls from Credence Resource Management regarding a debt that I do not owe. I do not have a credit card, bank account, or any financial account in my name, and I have never had any debt. 

The phone number they are calling does not belong to the person they are looking for, and they continue to call despite the fact that I am a XXXX  and not legally responsible for any debts. These calls are disruptive, inappropriate, and potentially unlawful under the Fair Debt Collection Practices Act ( FDCPA ), especially considering my age.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
Maintaining a good credit is a priority for me, which is why Im really upset about the mistakes on my credit report. These inaccuracies are super stressful and its just frustrating to see my credit get impacted by errors that arent even my fault. I'm really concerned and want this resolved ASAP because I dont want to wait for any more damage to be done.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and outdated personal information currently being reported by Experian on my credit file. Specifically, my report incorrectly lists an also known as name : XXXX XXXX XXXX. This is not and has never been my legal name. My only legal name is XXXX XXXX, and I have never used or been known by any other name in any official or legal capacity. 

In addition, Experian is reporting outdated and incorrect addresses, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These addresses do not reflect my current living situation. My one and only current and valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and I request that this be reflected accurately and exclusively on my credit file. These previous addresses may have been incorrectly associated with my profile due to erroneous data matching, a prior clerical error, or potential overlap in public record databases. Regardless of the cause, their continued appearance on my file presents a risk of misidentification and contributes to credit reporting inaccuracies. 

As required by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must maintain accurate and verifiable personal identifying information. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates that credit bureaus implement and follow reasonable procedures to ensure the maximum possible accuracy of the information they report about consumers. The listing of incorrect names and outdated addresses violates this legal requirement and may mislead creditors, landlords, or other entities relying on Experians file for decision-making.

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 2025-06-19 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: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting of late payments on XXXX closed and fully paid accounts appearing on my TransUnion credit report. The accounts in question are XXXX  with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX last reported on XX/XX/XXXX, and XXXX XXXX  with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX  last reported on XX/XX/XXXX. Both accounts have a XXXX balance, are no longer active, and were either paid in full or settled in accordance with mutually agreed terms. Despite this, TransUnion continues to display derogatory payment history on these accounts, which misrepresents my creditworthiness and fails to reflect their current, resolved status.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), TransUnion is required to maintain accurate and up-to-date credit reporting information. The continued reporting of late payments on closed, paid, or settled accountsespecially when the account has a zero balancedoes not serve any legitimate purpose and unjustly penalizes me as a consumer. In addition, 15 U.S.C. 1681i ( a ) requires TransUnion to reasonably reinvestigate and correct or delete any disputed information that can not be verified. In the past, I have submitted disputes regarding these items and have not been provided with documentation substantiating the accuracy of the derogatory reporting. 

It is important to emphasize that these late payment notations on resolved accounts are misleading and do not accurately portray my current financial obligations. There is no valid reason for derogatory data to remain attached to accounts that are closed and carry no outstanding debt.

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 2025-06-19 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: TX

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am filing this complaint regarding a fraudulent third-party debt collection account listed on my consumer credit file under the name XXXXXXXX XXXX XXXXXXXX, account number XXXX. 

I have no relationship, agreement, or contract with this company, nor have I ever authorized them to collect or report any debt on my behalf. This account is the result of identity theft, and I have already taken the appropriate legal steps to address it including filing an Identity Theft Report with the Federal Trade Commission ( FTC ) pursuant to FCRA 605B.

Despite having previously disputed this account, submitted documentation, and requested removal, it continues to reappear on my credit file. This pattern of behavior is not only negligent but may constitute willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Under : FCRA 605B, any account confirmed to be fraudulent and accompanied by an identity theft report must be blocked within 4 business days.

FCRA 623, data furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate or disputed.

FCRA 616 and 617, continued reporting of false or unverifiable information after being informed of its inaccuracy subjects the furnisher and others involved to civil liability and damages. 

At this point, I believe my rights as a consumer are being blatantly disregarded. I am requesting the immediate and permanent removal of this account from all consumer reporting databases. I expect this matter to be treated with the urgency it demands to avoid further harm.

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 2025-06-19 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: NC

Complaint narrative:
I am submitting this formal complaint to dispute an inaccurate collection account currently appearing on my Equifax credit report. The account in question is reported by XXXX XXXXXXXX XXXX '' with an account number ending in XXXX, opened on XX/XX/year>, and showing a balance of {$280.00}. I do not recognize this account, I never received any billing, communication, or notice from this entity, and I never entered into any financial agreement with them that would warrant a collection entry. Additionally, I have not received any documentation verifying the validity or origin of this debt, nor any notice of assignment from an original creditor. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to maintain accurate and verifiable consumer information. According to 15 U.S.C. 1681e ( b ), Equifax must establish reasonable procedures to ensure maximum possible accuracy of the data it reports. Furthermore, per 15 U.S.C. 1681i ( a ), once a dispute is submitted, the credit reporting agency is required to conduct a reinvestigation and delete any information that can not be verified with documented evidence. In this case, the inclusion of this account without proper verification or notice constitutes a failure to meet these legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

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