vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
Subject : Formal Dispute of Debt and Notice of FDCPA Regulation F Violations To Whom It May Concern : This letter serves as a formal notice that I dispute the validity of the alleged debt you claim I owe. Additionally, I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Regulation F, 12 CFR Part 1006, due to several potential violations by your company and XXXX  I asked for validation methods taken to verify these accounts " XXXX '' " XXXX '' what investigation procedure was taken? who did you speak to? what date? time? what did they say? provide me the documenta they have submitted to you which makea this account 100 % accurate, also documents that makes me responsible for this alleged debt Alleged Debt Details : XXXX : XXXX XXXX ( Reinsertion ) without proper notifying consumer within 5 days of reinsertion ( FDCPA ) Violation Violations Cited : 1. Failure to Provide Required Disclosures ( 12 CFR 1006.34 ) You have failed to provide a proper validation notice as required under 1006.34 of Regulation F. This includes the itemization of the debt, information on the consumers rights to dispute the debt, and the name of the creditor to whom the debt is owed. 
2. Continued Collection Without Validation ( 12 CFR 1006.34 ( c ) ( 2 ) ) Despite my previous request for debt validation your agency has continued to pursue collection activities/ and report the debt without providing the required documentation.

3. Unlawful Credit Reporting During Dispute ( 12 CFR 1006.30 ( a ) ) Reporting a disputed debt to EXXXX during the validation period without indicating it is disputed constitutes a deceptive collection practice under Regulation F. 
XXXX. Communication in Violation of Time/Method Restrictions ( 12 CFR 1006.6 ) [ Optional if applicable : contacting after hours via email XXXX XXXX  Demand for Action : Immediately cease all collection activities until the debt has been properly validated per Regulation F. 
Provide complete validation of the debt, including itemization and name of the current creditor. 
Notify XXXX to delete or mark the debt as disputed until this matter is resolved, per your obligations under the FDCPA and FCRA. 
Provide documentation showing you have informed XXXX  of this dispute. 

Failure to comply with this request will leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office. I reserve the right to pursue legal remedies for violations of my rights under the FDCPA, FCRA, and any applicable state laws. 

This letter is written in good faith and with full reservation of rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 2025-05-14 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: MI

Complaint narrative:
I am submitting this dispute to formally challenge the accuracy and completeness of the payment history being reported on one or more of my accounts. After reviewing my credit reports, I identified several payment history entries that I believe are inaccurate and may constitute billing errors under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ).

To the best of my knowledge, I was not late on any of the reported payments. These negative entries are not only misleading but also having a harmful impact on my credit profile. I respectfully request that the company conduct a full investigation and, if appropriate, update the records to reflect on-time payments. 

This situation has caused me significant stress and is affecting my daily life. I am mentally and emotionally overwhelmed by the continued presence of these errors. 

I want to clarify that I am submitting this complaint and dispute personally. No third party is involved. I am simply asking for a fair and thorough review in accordance with applicable laws and consumer rights. 

Thank you for taking the time to review and address this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
I am submitting this dispute to formally challenge the accuracy and completeness of the payment history being reported on one or more of my accounts. After reviewing my credit reports, I identified several payment history entries that I believe are inaccurate and may constitute billing errors under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ).

To the best of my knowledge, I was not late on any of the reported payments. These negative entries are not only misleading but also having a harmful impact on my credit profile. I respectfully request that the company conduct a full investigation and, if appropriate, update the records to reflect on-time payments. 

This situation has caused me significant stress and is affecting my daily life. I am mentally and emotionally overwhelmed by the continued presence of these errors. 

I want to clarify that I am submitting this complaint and dispute personally. No third party is involved. I am simply asking for a fair and thorough review in accordance with applicable laws and consumer rights. 

Thank you for taking the time to review and address this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I saw hard enquirers from different institutions that I'm not aware of and didn't gave authorized for my credit to be pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
According to FCRA section 605B it is illegal to report anything on my credit report without my permission. 
Please remove this negative item. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused

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 2025-05-14 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because I found multiple errors on my credit report after obtaining it through XXXX. I submitted a formal dispute requesting a full reinvestigation of certain accounts and personal information, as allowed under the Fair Credit Reporting Act. My letter also included a request for the method of verification and full file disclosure, as outlined in XXXX XXXX. XXXX ( b ), XXXX, and XXXX. 

I want to be clear that this is a specific and legitimate dispute. I am not asking for generic responses or template letters. I personally prepared and submitted each dispute, along with the required identification and documentation. Despite this, the information remains incorrect, and there is no sign that a proper reinvestigation was completed. 

Under the Fair Credit Reporting Act, the credit reporting agency is required to perform a complete and good-faith reinvestigation of the disputed item, including all related detailsnot just the tradeline. I am requesting the CFPBs assistance to ensure my rights are upheld and this matter is properly resolved. 

Inquiry XXXX XXXX  Date of inquiry : XX/XX/year> Inquiry XXXX XXXX  Date of inquiry : XX/XX/year> Inquiry XXXX Date of inquiry : XX/XX/year> Inquiry XXXX Date of inquiry : XX/XX/year> Inquiry XXXX XXXX Date of inquiry : XX/XX/year> Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/year> Collection XXXX Account Number : 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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a XXXX  of identity theft and did not authorize any of the following credit inquiries listed on my credit report. I submitted an FTC Identity Theft Report ( Report # XXXX ), and I also contacted the credit bureaus and the companies involved, requesting verification under FCRA XXXX and XXXX. No company provided the required proof of authorization or a valid permissible purpose. These hard inquiries must be removed immediately as they were made without my consent. 

Unauthorized inquiries include : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Please help enforce my rights under the FCRA and require the immediate removal of all unverified and unauthorized inquiries.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX, AL XXXX Subject : Debt Validation Request Account # none available To Whom It May Concern, This letter is in response to a recent communication I received regarding an alleged debt referenced above. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and formally requesting validation of the alleged debt.

Please provide the following documentation : 1. The name and address of the original creditor.

2. A complete itemized breakdown of the amount claimed, including all fees, interest, and charges.

3. A copy of the original agreement or contract with my signature, showing I agreed to the debt.

4. Documentation showing the full chain of title or assignment from the original creditor to your agency.

5. Information regarding any insurance or bond claims made or paid on this account.

Until this information is fully provided, I request that all collection efforts cease immediately. Additionally, please refrain from reporting this debt to any credit reporting agency or, if reporting has already occurred, promptly remove any such entry until the debt is validated.

Please be advised that continued collection activity without providing proper validation is a direct violation of the FDCPA. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX and reported through Equifax, Experian, & TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported. 
Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within 30 days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry from my credit report.

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 2025-05-14 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: GA

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 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a collection account that has been unlawfully reported to the credit bureaus by Advance Bureau of Collections, acting on behalf of the XXXX XXXX XXXX XXXX. 

In XX/XX/year>2024, I filed for XXXX XXXX XXXXankruptcy in the XXXX XXXX XXXX Georgia Bankruptcy XXXX, and the case was discharged in XX/XX/year>2024. The debt to XXXX XXXX XXXX XXXX was included in my bankruptcy schedules and was subject to the discharge order. Despite this, Advance Bureau of Collections has reported a new collection account to the credit reporting agencies related to this discharged debt.

This action is a clear violation of federal bankruptcy law ( 11 U.S.C. 524 ( a ) ( 2 ) ), which enjoins any further collection activity on debts that have been discharged. Additionally, reporting the debt as a new collection account post-discharge constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

I have contacted the collection agency directly and demanded removal of the account and cessation of any collection efforts. However, as of the date of this complaint, no action has been taken to correct the unlawful reporting.

I am requesting the CFPB 's assistance in investigating this matter and ensuring that : The collection account is permanently deleted from all of my credit reports.

Advance Bureau of Collections ceases all collection activity related to the discharged debt. The agency is held accountable for any damages or violations of consumer protection statutes.

I respectfully request swift regulatory intervention in this matter. The unlawful reporting of a discharged debt continues to cause me financial harm and XXXX  and I seek your assistance in ensuring my rights under federal law are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

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 2025-05-14 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: SC

Complaint narrative:
Recently, I looked at my at a copy of my credit report to obtain my credit. It is my understanding that you will investigate this account for me to ensure accuracy. here is the account I'm asking you to verify as accurate. 

Here are the accounts 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 explanation