vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$8700.00} XXXX # XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$15000.00} XXXX XXXX # XXXX  XX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$43000.00} XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX # XXXX XX/XX/XXXX -- {$190.00} XXXX XXXX XXXX XX/XX/XXXX -- {$140.00} XXXX # XXXX XX/XX/XXXX -- {$340.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS 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 explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have a XXXX complaint that is unresolved and closed by XXXX. they told me to contact CFPB. Which i have already done, i am refiling since the request has not been satisified and there is new information of non-compliance. 

see XXXX for XXXX XXXX XXXX XXXX XXXX  complaint for them, attached in my original complaint XXXX too XXXX outsourcing- main target, BBB complaint responses attached in XXXX  I asked XXXX multiple times very clearly to remove all traces of my information XXXX response was a generic copy paste of " Shepherd Outsourcing has removed the number from our system and added it to our internal " Do Not Call/Text '' list to prevent any further contact regarding this matter '' see BBB page of very similiar complaints XXXX XXXX XXXXXXXX I asked them to remove me from the internal list with very clear instructions that can not be mis-read XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like to formally request that you remove all records of my contact information, including my name and phone number, from your system. I do not wish to be included on any internal or external lists, and I request confirmation that all my data has been deleted as per my request. XXXX XXXX XXXX XXXX XXXX they replied with the same answer but changed the terminology to a " wrong # database '' i asked for the XXXX time using more detailed language asking for an explanation on why my request can not be taken " My request was to delete all traces of my number. Storing it in a XXXX XXXX ' database constitutes storingmy personal information. 
Please confirm if my number has been completely erased from all databases, including the XXXX XXXX ' database, or if it is still being retained in any capacity. 
If it is being retained, please provide the specific legal basis or legitimate business reason under which you are retaining it, despite my request for complete deletion. 


their last response was " as previously stated '' .... " removed from our database, therefore we have nothing left to delete '' this is factually incorrect and a LIE since they are on record telling me TWICE that they stored my information in their internal list. A database is used to store information INTERNALLY now they are saying its been removed this whole time, negating their previous stance this whole thing is beyond ridiculous. I have a very valid and fair request I have privacy/security concerns about my phone # being used in any capacity by them. Both Storing and selling of any information combine that with the XXXX  complaints. There is a SHOCKINGLY high number of " wrong numbers '' being contacted by this company. You could make a valid argument they are purchasing these phone numbers from X source and are cold texting them some bogus debt. 

regardless if this is shady business pratice or just a genuine mistake i want my number REMOVED in all capacities

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WESBANCO BANK, INC.
State: AZ

Complaint narrative:
WesBanco owned my loan and sent me my loan statement dated XX/XX/year> informing me of due date XX/XX/XXXX. I called into customer service on XX/XX/XXXX to have my escrow reanalyzed and was told a representative would call me back. On XX/XX/XXXX XXXX left a voicemail telling me my loan had been transferred and they no longer owned my loan. I called back and left a voicemail stating I was never informed of this transfer and that went against the loan statement dated XX/XX/year>. My payment was made to WesBanco. I want this investigated because both banks violated federal law by not giving my transfer notice of 30 days. The new owner XXXX XXXX  said my payment was due XX/XX/XXXX, even though I have no paperwork stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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 am writing to dispute the presence of a collection account that I do not recognize and did not authorize. This entry is false, harmful, and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-11 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:
This letter serves as my formal notice of dispute regarding a collection account currently being reported under my credit profile. I have no knowledge of this debt, and I did not authorize any such account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: KY

Complaint narrative:
XX/XX/year>XXXX  I contacted XXXX XXXX for my XXXX XXXX and asked that the information being reported to all 3 major credit bureau be updated to match the information that I received from their customer service representative. The information given to me in 5 different phone conversations was that my balance was {$0.00} and the account was closed. However it's still being reported that I owe them {$590.00}. I asked for a letter with that information but on XX/XX/XXXX XXXX and again 2 weeks later I was sent status letters stating I owe them {$590.00}. I even spoke with a supervisor on a recorded phone call were again I was told my balance was {$0.00} and the account is closed. I have filed 2 disputes each with all 3 credit bureaus but XXXX XXXX continues to report false information. I called the company back on XX/XX/XXXX XXXX asking how I could just pay the debt because I want to purchase a home in the next year and once again I was told I couldn't pay it because they don't show an outstanding balance. I have exhausted every attempt to satisfy this account so the information would be updated correctly without any result.

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 2025-07-11 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: KY

Complaint narrative:
XX/XX/2025 I contacted XXXX XXXX for my XXXX XXXX and asked that the information being reported to all 3 major credit bureau be updated to match the information that I received from their customer service representative. The information given to me in 5 different phone conversations was that my balance was {$0.00} and the account was closed. However it's still being reported that I owe them {$590.00}. I asked for a letter with that information but on XX/XX/XXXX XXXX and again 2 weeks later I was sent status letters stating I owe them {$590.00}. I even spoke with a supervisor on a recorded phone call were again I was told my balance was {$0.00} and the account is closed. I have filed 2 disputes each with all 3 credit bureaus but XXXX XXXX continues to report false information. I called the company back on XX/XX/XXXX XXXX asking how I could just pay the debt because I want to purchase a home in the next year and once again I was told I couldn't pay it because they don't show an outstanding balance. I have exhausted every attempt to satisfy this account so the information would be updated correctly without any result.

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 2025-07-11 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XX/XX/year> I contacted XXXX XXXX for my XXXX XXXX and asked that the information being reported to all 3 major credit bureau be updated to match the information that I received from their customer service representative. The information given to me in 5 different phone conversations was that my balance was {$0.00} and the account was closed. However it's still being reported that I owe them {$590.00}. I asked for a letter with that information but on XX/XX/XXXX XXXX and again 2 weeks later I was sent status letters stating I owe them {$590.00}. I even spoke with a supervisor on a recorded phone call were again I was told my balance was {$0.00} and the account is closed. I have filed 2 disputes each with all 3 credit bureaus but XXXX XXXX continues to report false information. I called the company back on XX/XX/XXXX XXXX asking how I could just pay the debt because I want to purchase a home in the next year and once again I was told I couldn't pay it because they don't show an outstanding balance. I have exhausted every attempt to satisfy this account so the information would be updated correctly without any result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. 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 nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-11 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:
I am writing to formally dispute the reporting of a collection account that is not mine. This entry is clearly the result of fraudulent activity, and its inclusion on my credit report is both inaccurate and damaging.

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 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I deposited an unemployment back payment check into my PNC account on XX/XX/year>. I followed up today on XX/XX/year>XXXX  to see when I would receive my funds, upon which I was informed of the accounts pending closure. When I explained that was money for my unemployment which I desperately need by XX/XX/year>XXXX  at the latest I was told that they could not authorize the release since the person who placed the pending closure and hold on the account was off work until Monday. I requested to speak to a supervisor and was placed on hold until the call was dropped. I repeatedly called and tried to speak with a representative as well as went into a branch and all I was told was to call a number which led me to being told to go into a local branch and vice versa in a vicious cycle of redundancy and uselessness. Now that the bank physical locations are all closed they are saying I wont receive the funds until 7-10 business days after the closure is approved and told that the account wont be closed for 2-3 business days. It is imperative my funds be released to me immediately so that my living situation is not endangered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
Please assist me in launching an investigation regarding these accounts, as they appear to be inaccurately reported on my credit file. In line with USC 1681g, I am requesting their removal within the next 15 days. Enclosed are the necessary documents for your review. I would also like to point out that the information reported by the credit bureaus is conflicting and contains errors.

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 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
-- - This is a small claims action seeking financial redress for a broken agreement and potential violation of federal consumer protection laws, specifically involving debt settlement and credit reporting. 


1. On or around XXXX I, the Plaintiff, spoke with a representative from the Defendant, XXXX, regarding a debt I owed that was reflected on my credit report. 

2. During that call, the XXXX representative clearly stated and promised that if I paid XXXX * *, the debt would be * * considered satisfied in full * *, and XXXX would * * remove the account from my credit report * *. 

3. I have a recorded copy of this conversation, where this promise and agreement were made. 

4. Based on this agreement, I paid the {$300.00} to XXXX in XXXX. 

5. However, despite fulfilling my end of the agreement, the debt * * remains on my credit report * *, negatively affecting my credit standing. 

6. I made attempts to resolve this directly with XXXX, but they failed to honor the agreement or remove the item from my credit report. 



I am requesting the court to award the following : * An order instructing XXXX to remove the account from my credit report, or at minimum, report it as " paid as agreed '' or " satisfied in full. '' Evidence I Will Provide : * XXXX recording of the conversation with XXXX confirming the agreement. 
* Proof of {$300.00} payment to XXXX. 
* Credit report ( XXXX ) showing the debt is still listed. 
* Any written or email correspondence with XXXX. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
XXXX XXXX {$2700.00} [ Account No : XXXX ] Equifax, Experian & TransUnion Type : Charge-Off | Action Requested : Permanent deletionAttachments : Credit report showing similar re-aging Dispute Letteer ID What happened : This is a duplicative charge-off that has not been validated after dispute. It shows the same aging pattern as the other XXXX XXXX tradeline. Continued reporting without correction violates FCRA 607 ( b ) and 611.

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 2025-07-11 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:
XXXX XXXX {$2700.00} [ Account No : XXXX ] Equifax, Experian & TransUnion Type : Charge-Off | Action Requested : Permanent deletionAttachments : Credit report showing similar re-aging Dispute Letteer ID What happened : This is a duplicative charge-off that has not been validated after dispute. It shows the same aging pattern as the other XXXX XXXX tradeline. Continued reporting without correction violates FCRA 607 ( b ) and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - 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 - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief