vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
I told the XXXX, Transunion, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, and XXXX XXXX XXXX # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

last activity and much more is incorrect. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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: 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: MI

Complaint narrative:
I am disputing inaccurate and misleading credit reporting related to an account with XXXX ( opened XX/XX/XXXX, closed XX/XX/XXXX ). This account was sold to a third-party debt collector ( Structured Settlement ) on XX/XX/XXXX, as confirmed in writing by XXXX. 

Despite this, the account continues to be reported with negative remarks including In Collections/Charge-Off, Profit and loss write-off, and late payment statuses all of which imply ongoing delinquency or creditor activity, which is inaccurate since the creditor no longer owns the debt. 

XXXX confirmed they no longer service or furnish data on this account post-sale, yet the tradeline remains misleading, incomplete, and damaging. I have also not received a full validation of this debt under the FDCPA, nor documentation of the transfer or securitization history. 

I have formally disputed this account with the credit bureaus ( XXXX, XXXX, TransUnion ) and requested that the tradeline either be corrected to reflect a {$0.00} balance and Transferred/Sold status, or be deleted if it can not be properly verified. 

I request the CFPB investigate and compel XXXX and the credit bureaus to correct or remove this inaccurate tradeline per the Fair Credit Reporting Act ( FCRA ). Documentation supporting my claim is attached.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ).

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account Number XXXX This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you.

Debt Validation Request Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : 1. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees.

2. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred.

3. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay.

4. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements. 



Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 



This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within XXXX  days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Information on Credit Reports Dear Sir or Madam, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit reports from TransUnion and Experian. I have never filed for bankruptcy, yet both credit bureaus are erroneously including this information in my credit profile. 
Details of the Inaccuracy : Inaccurate Item : Bankruptcy filing Credit Bureaus Reporting Error : TransUnion and Experian Date Noted on Reports : [ Insert Date Noted ] Legal Grounds for Dispute : Violation of the Fair Credit Reporting Act ( FCRA ) : XXXXXXXX XXXX XXXXXXXX ( b ) : Mandates that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inclusion of a bankruptcy that does not belong to me indicates a failure to uphold this standard. 
XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) : Requires credit reporting agencies to promptly investigate disputes and correct any inaccuracies found. 
Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the erroneous bankruptcy entry on my TransUnion and Experian credit reports.

Ensure the immediate and permanent removal of this inaccurate information from my credit profiles. 
Confirm that all actions taken comply with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 
Enclosures : Copies of my credit reports from TransUnion and Experian highlighting the disputed bankruptcy entry. 
Any additional relevant documentation supporting my dispute. 
The XXXX XXXX Thank you for your prompt attention to this matter. I look forward to your confirmation that this inaccurate bankruptcy entry has been permanently removed from my credit reports. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I opened a {$71000.00}, XXXX2month CD with Fifth Third Bank at an interest rate of 4.64 %. The certificate states the interest will be " CAPITALIZED ANNUALY ''.

The section on Interest states : If this is a fixed-rate CD, the interest rate will remain the same until the maturity rate of the CD ... The APY assumes interest remains on deposit until maturity. A withdrawal of interest will reduce earnings. Interest begins to accrue on the Business Day you deposit any cash or non-cash item ( e.g. check ). If the CD is closed before accrued interest is credited, interest will not be paid. '' " For all CDs, interest is calculated using the daily balance method. The daily balance method applies a periodic rate to the balance in
the CD each day. '' " Interest on the CD may be credited monthly, quarterly, semi-annually, annually or at maturity and may be paid by capitalizing to the CD transferring to a Fifth Third checking or savings account, or paid by check.

Generally accepted accounting practices require Fifth Third to issue the CD holder a 1099 for the amount of interest earned during the year. Fifth Third should have issued a 1099 to me for interest earned from XX/XX/XXXX through XX/XX/XXXX. Instead, Fifth Third issued a 1099 to me for XXXX which reflects the interest earned from XX/XX/XXXX through XX/XX/XXXX ( the date of maturity ). It is well established that interest is includible in a taxpayer 's income in the year it is earned. Fifth Third has provided no legal basis for deferring the entire interest earned until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: NY

Complaint narrative:
This is regarding DISCOVER credit card which is showing on my credit report. 
I have never applied for a DISCOVER credit card neither do I own one. I only came to know about it when I applied for a mortgage loan and the loan officer mentioned it to. So I followed up. I called DISCOVER and tried to understand and resolve the issue. They are are saying it it belongs to me. I requested the DISCOVER credit card statements. They sent copies of past 10 months statements in full. It shows my name and my former address. It also shows all the transactions made on this card. It shows car rentals ( XXXX, XXXX, XXXX ), hotel stays ( XXXX, XXXX XXXX XXXX XXXX XXXX ), restaurants ( XXXX, XXXX XXXX ) XXXX XXXX XXXXXXXX, XXXX & other shoppings, gas stations ( XXXX, XXXX, XXXX ). I have never gone to any of these places and I have never rented any cars and I dont eat outside. I have never travelled to XXXX XXXX or the XXXX where the card was apparently used. 
Whoever is using this card has to show a driver license to rent a car. They also have to show the driver license when checking into a hotel. 
Right now as per the loan officer, the credit report shows the DISCOVER card with a Balance of {$2200.00}. And my credit is down to XXXX. DISCOVER is not cooperating to help investigate and to resolev this issue. It is serious as the credit card is under my name but also the driver license appears to be forged.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Closed Late Payment ( 3 Bureaus ) XXXX  - Account Number : XXXX - Reporting Balance and Past Due : {$0.00}

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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CL Holdings LLC
State: NC

Complaint narrative:
- XX/XX/2025 @ XXXX Payment made of {$220.00} using XXXX ( XXXX debit card ) Confirmation NumberXXXX - XX/XX/2025 @ XXXX Received harassing calls and texts from Badcock about XXXX payment not received XXXX Spoke with representative- XXXX XXXX XXXXXXXX ) and was told that my payment was misapplied and to call at a later date. 

- XX/XX/XXXX, XXXX Called ( XXXX ) to report incorrect balance; spoke with representative- told that the investigation was still being conducted to get the correct balance updated. 

- XX/XX/XXXX, XXXX Called ( XXXX ) Payment was misapplied ; unable to find payment and told to call back in at the end of the week. 

- XX/XX/XXXX, XXXX Called ( XXXX ) Spoke with XXXX  Badcock Billing Department XXXX XXXX ), was given an incorrect balance for the account and told that the investigation was ongoing for the account. Submitted complaint to the Department of Justice ( File No.CP XXXX ) against W.S.Badcock, LLC dab Badcock and XXXX XXXX XXXX. 

- XX/XX/XXXX, XXXX @ XXXX - Emailed Bank Statements from XXXX to XXXX - XX/XX/XXXX, XXXX @ XXXX Spoke with XXXX ( XXXX ) Update not provided, still under investigation ; call back at a later date. 

- XX/XX/2025 @ XXXX Spoke with XXXX in Account Services and was told that account would be updated within 24-48 hours. 

- XX/XX/XXXX, XXXX Claim submitted at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ( XXXX ) spoke with XXXX- Account still has not posted payment for XXXX and reporting incorrect balance. Transferred to XXXX in Customer Service, then to XXXX in another dept. Was told there is still an ongoing investigation. Call at a later date. 

- XX/XX/2025 @ XXXX Spoke with XXXX at XXXX XXXX ) in Billing Services was told that Payment has not been applied. Transferred to XXXX in Customer Service, transferred to XXXX in Credit Services ; where a ticket was created Ref # XXXX. I was told to call ( XXXX ) Friday, XX/XX/XXXX for an update on the status of the Acct. 
- XX/XX/2025 @ XXXX Spoke with XXXX, no update on payment for XXXX ; call back at a later date. 

- XXXX XXXX @ XXXX XXXX- Call to Bankruptcy Clerks Office in Texas . Was given bankruptcy lawyers XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ). Left message for XXXX XXXX and unable to reach XXXX XXXX. 

- XX/XX/2025 @ XXXX XXXX ( Very Rude and dismissive ) - transferred to XXXX XXXX XXXX has not been applied. Told that account balance is {$1300.00}. Called XXXX @ XXXX Gave reference # XXXX and outcome was that it was resolved, but still not reflecting on my account. 

- XX/XX/2025 @ XXXX Spoke with XXXX ( XXXX ) XXXX regarding my account- Incorrect information about system shutting down and that a payment was trying to be made and never made to account. Reporting incorrect balance, late fees and interest accruing on this account. Badcock is notating false information about my account. Will need to email bank statements again.

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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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