vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$580.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$370.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance {$1900.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$2500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$700.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$3100.00} UNIV FCU XXXX * * * * Balance {$0.00} XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$3300.00} CAPITAL XXXX XXXX * * * * Balance {$0.00} XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-05-13 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: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXXXXXX XXXXXXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: IN

Complaint narrative:
Key 2 Recovery Inc XXXX XXXX XXXX XXXX XXXX OH XXXX Subject : Request for Debt Validation Pursuant to the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) To Whom It May Concern, This letter is in response to your reporting of debt on my credit file related to XXXX XXXX XXXX, with an alleged balance of {$12000.00}, as shown in my XXXX  credit report dated XX/XX/XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby dispute this debt in its entirety and formally request that you provide full validation of this debt, including but not limited to : 1. The original signed agreement or contract bearing my signature showing I have a legal obligation to pay this debt. 
2. A complete itemization of the amount being claimed, including any fees, interest, or penalties. 
3. Proof of ownership or legal assignment of the debt from the original creditor ( XXXX XXXX XXXX  ) to Key 2 Recovery Inc. 
4. Documentation that Key 2 Recovery Inc. is licensed and authorized to collect debts in my state.

5. A copy of any judgment, if applicable.

6. Name and address of the original creditor and a statement of the alleged debt. 
Per 15 U.S.C. 1692g ( b ), all collection efforts must cease immediately until the requested validation is provided. If you continue to report this account to any credit bureau without providing full validation, this may constitute a violation of 15 U.S.C. 1692e ( 8 ), which prohibits communicating false credit information. Case Law Supporting This Reques
t : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that a debt collector must cease collection efforts until the debt has been validated and disputed in a timely manner. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces that consumers have a right to dispute a debt and receive validation before a collector continues any further action. 
XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Found that the debt collector must clearly and accurately itemize the debt to avoid misleading the consumer. 

Notice : If you are unable to fully validate this debt, you must immediately : Cease all collection activity Remove any related entries from my credit reports Cease sharing or selling the debt to any third party Please note that this letter serves as notice under federal law that I am asserting my rights and requesting documentation. Any failure to comply with this request or continued pursuit of this unvalidated debt may result in legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and state regulators.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXExperian \nExperian\nXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Late Payment  Request for Investigation under FCRA (15 U.S.C.  1681i and  1681s-2)\nTo Whom It May Concern,\nI am writing to formally dispute an inaccurate late payment entry appearing on my credit report related to the following account:\nCreditor Name: XXXX XXXX \nAccount Number: XXXXDate of Alleged Late Payment: XXXXnAccording to my records, this payment was made on time. Therefore, I believe this information is inaccurate and request that you investigate and correct it as required under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, which mandates that credit reporting agencies investigate disputed information, and 15 U.S.C.  1681s-2, which requires furnishers of information to report accurately.\nPlease initiate an investigation into this matter and notify me of the results. If the information is found to be inaccurate or cannot be verified, I respectfully request that it be removed or corrected on my credit report.\nThank you for your attention to this matter. I look forward to your response.\nSincerely,\nXXXX 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Credit Report Dispute Under Fair Credit Billing Act Inaccurate Late Payment Reporting by XXXX XXXX XXXX Dear [ XXXX XXXX XXXX XXXX XXXX  ], I am writing to formally dispute inaccurate information currently appearing on my credit report. The account in question is a credit card account issued by XXXX XXXX XXXX. My report shows late payments that I believe are inaccurately reported or misrepresented. 

Under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, payments must be credited on the date of receipt, and delays not resulting in finance charges or penalties must not be used to report late payments. I believe XXXX XXXX has violated this requirement in their reporting to your bureau. 

Here are the relevant details : Creditor Name : XXXX XXXX XXXX Account Number : [ Insert partial account number, if known ] Nature of Dispute : Inaccurate reporting of late payments Reason : Payments were made on time or should not have been posted as late due to processing delays that violate 15 USC 1666b I request that your bureau initiate an investigation into this account and request verification from the furnisher ( XXXX XXXX ). If the information can not be verified as accurate, it must be removed from my credit file under the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of supporting documents : A copy of my government-issued ID A recent utility bill ( for address verification ) [ Optional : Any relevant payment confirmations or statements ] Please complete the investigation and provide me with written confirmation of the results within 30 days as required by federal law. 

Sincerely, XXXX XXXX Addresses of the Major Credit Bureaus : 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

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 2025-05-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit information on all credit bureaus was part of a massive data breach. Please help me clear this mess of a credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MD

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 2025-05-13 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: GA

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  \nSubject: Dispute of Late Payment  Request for Investigation under FCRA (15 U.S.C.  1681i and  1681s-2)\nTo Whom It May Concern,\nI am writing to formally dispute an inaccurate late payment entry appearing on my credit report related to the following account:\nCreditor XXXX XXXX XXXX XXXX XXXX XXXXate of Alleged Late Payment: XXXXAccording to my records, this payment was made on time. Therefore, I believe this information is inaccurate and request that you investigate and correct it as required under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681i, which mandates that credit reporting agencies investigate disputed information, and 15 U.S.C.  1681s-2, which requires furnishers of information to report accurately.\nPlease initiate an investigation into this matter and notify me of the results. If the information is inaccurate or cannot be verified, I respectfully request that it be removed or corrected on my credit report.\nThank you for your attention to this matter. I look forward to your response.\nSincerely,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX  Account Number : XXXX * * XXXX XXXX XXXX Account Number : XXXX * * * * XXXX  Account Number : XXXX * * * * XXXX XXXX XXXX Account Number : XXXX * * * * XXXX XXXX  Account Number : XXXX * * XXXX  Account Number : XXXX * * * * XXXX XXXX XXXX Account Number : XXXX * * * * XXXX  Account Number : XXXX * * * * XXXX XXXX Account Number : XXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-13 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: FL

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
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

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 2025-05-13 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: FL

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
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

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 2025-05-13 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report, and I noticed I had a fraudulent account on my report. Please remove these accounts from my report, it's hurting my ability to obtain credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation