vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple creditors and debt XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate, unverifiable, and potentially fraudulent information being reported on my credit reports. 

The following accounts contain errors, inaccurate reporting, or unauthorized activity : XXXX. XXXX XXXX XXXX XXXX Bank ) Opened XX/XX/year> XXXX XXXX days late and over the credit limit without verification. 

Violations of FCRA XXXX ( a ) ( XXXX ) ( A ) and FDCPA XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Recent late payment reporting without proper validation or notice. 

Violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 


XXXX. XXXX XXXX Bank Credit Card XXXX charged-off status with a high balance owed ; debt not validated. 

Violation of FDCPA XXXX and FCRA XXXX ( a ) ( XXXX ). 


XXXX. XXXX XXXX XXXX account XXXX " Purchased by another lender '' without accurate ownership information or verification. 

Violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 


XXXX. Key XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX {$2200.00} Reporting unverifiable debt without full validation. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : Celtic Bank XXXX Account # XXXX {$550.00} Reporting without providing proof of ownership or validation. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX {$62.00} Reporting without full validation of debt. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX {$1000.00} Reporting without valid verification. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ).

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 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
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 Subject : Formal Dispute and Demand for Immediate Removal of Inaccurate Accounts under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute the inaccurate and unverifiable accounts currently being reported on my credit file with XXXX. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information reported is 100 % accurate, verifiable, and in compliance with federal law. Failure to do so constitutes a violation of my consumer rights. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX xxxxx Pursuant to 15 U.S.C. 1681i ( a ), I demand an immediate investigation into these accounts. If these accounts can not be fully verified by original source documentation, they must be permanently removed from my credit file. As per 15 U.S.C. 1681e ( b ), you are legally obligated to maintain maximum possible accuracy. The continued reporting of inaccurate or unverifiable information is a clear violation of this statute. 

Additionally, I have suffered financial harm due to your failure to uphold FCRA compliance. I have been denied loans, credit cards, and subjected to increased interest rates, directly affecting my financial well-being. Under 15 U.S.C. 1681n and 15 U.S.C. 1681o, I reserve the right to seek legal damages for willful and negligent noncompliance if these errors are not rectified immediately.

I am providing a copy of my government-issued ID, proof of residence, and a copy of my credit report highlighting the disputed accounts. You have five ( 5 ) days from receipt of this letter to permanently remove these inaccurate accounts, or I will be left with no choice but to escalate this matter legally. 

Please send me written confirmation of the deletion of these accounts upon completion of your investigation. I expect full compliance and a swift resolution.

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 2025-03-31 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: VA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: AZ

Complaint narrative:
XX/XX/year> I have all major credit monitoring agencies about disputes previously reviewed removed or inquires, or name change, or allege debt that unverified never being accurately verified ALL CREDIT AGENCIES HAVE BEEN NOTIFEIED AND GIVEN 7 DAYS TO VERIFY OR DELETED ACCOUNT UPDATED ACCOUNT AS PAID AS AGREEED AND DELETE ANY CREDIT MONITIORING THAT WITH OUT MY CONSENT OR HAVE MY PERMISSION TO SPEAK ON MY BEHALF WITH WRITTEN CONSENT. 
THE FOLLOWING HAS BEEN VIOLATED IN ALL MAJOR CREDIT AGENCY AND PROOF WILL BE PROVIDED IN PDF FILE FORMAT 15USC1681 E XXXX XXXX XXXX  15USC1681 N 15USC1692CC 15USC1666B FCRA 623 15USC1681 XXXX XXXX  15USC6802 15USC1681B 1 F SECTION 604 A SECTION 604 A 3 ii SECTION 611 SECTION 165 I AM REQUESTING A XXXX PERVIOLATION FOR EACH ACCOUNT FOR EACH MONTH REPORTED FROM EACH AGENCIES AND I AM REQUESTED THE INFORMATIONBE DELETED IN XXXX HOURS AS I AHVE SENT THE CERTIFIED MAIL ALONG WITH A XXXX AND DESIST ALREADY VIOLATED FROM ALL CREDIT AGENCIES WITH A AFFIDAVIT OF TRUTH ALL WILL ADDED TO PDF FILE FOR EACH CREDIT BURUES ALL FILES ARE SO ALRGE NOT ALL HAVE UPLOADED BUT I CAN MAIL IF NEEDED

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 2025-04-01 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: GA

Complaint narrative:
XXXX I spoke with credit escalation department XXXX XXXX XXXX XXXX Indicates that Wells Fargo Bank keeps changing the delinquent years. First it was XXXX XXXX, now its XXXX! 
This report just started on my credit profile and it was not on there the previous years. 
Base on the FCRA XXXX ( c ) you must provide financial statements for the years of delinquent.I want Wells Fargo deleted from all my credit reports from my credit profile with XXXX and XXXX XXXX.I want them to provide Finacial statements from XXXX, XXXX, to determine if this should be on any of my credit reports with the Bureaus .You can not keep changing the Delinquent years with out Finacial statements to prove this is accurate!

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
Was Approved For XXXX  Forbearance Through XX/XX/year> I had been attempting to reach the Forbearance Point Of Contact For Months To Inquire Next Steps With No Responses. I sent Emails Directly To My POC as described in a correspondence and still No Response. When XX/XX/XXXX Passed And I still heard nothing, I made my XX/XX/year> mortgage payment. A few Days Later, XXXX XXXX Reported me XXXX  Days Late to the Credit Companies & Mailed Me A Letter stating if I had not already done so to reach out to them regarding next steps. This was confusing because I in fact had been reaching out numerous times with no response. When XXXX XXXX Finally spoke with me and inquired that we make a payment, show proof we had at least $ XXXX in our checking account, they would move forward and attempt to modificate our loan. We had already made a payment, so I sent them screen shots and a copy of my bank statement to show we had funds in our account to continue repairs on our home. They advised that we were approved and could resume making payments. Had XXXX XXXX Communicated with me way back in XXXX when I had been desperately attempting to begin next steps prior to the expiration of our forbearance, there would have never been a negative reporting to the credit bureau. I have attempted numerous times to file a request to do so and I am being informed by my current Point Of Contact, XXXX XXXX that " nothing can be done about the reporting '' I can file a complaint and it will remain on file but nothing further can be done. I expressed to her that this was not only unethical but unacceptable that XXXX XXXX can disregard all my communications & put us through more hardship than we are already currently experiencing due to their incompetence and follow through in ensuring that our options were discussed prior to the expiration of our forbearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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 formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-03-31 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: TX

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-04-01 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Request for Investigation and Compliance with FCRA Sections 15 U.S.C. 1681i ( a ) ( 7 ) and 15 U.S.C. 1681e ( b ) To Whom It May Concern, I am writing to formally request an investigation into inaccurate and incomplete information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, I am invoking my rights under **15 U.S.C. 1681i ( a ) ( 7 ) ** and **15 U.S.C. 1681e ( b ) ** to ensure the accuracy and fairness of my credit report.

# # # 15 U.S.C. 1681i ( a ) ( 7 ) Disclosure of Reinvestigation Process I request a clear and detailed explanation of your reinvestigation process, as required by **15 U.S.C. 1681i ( a ) ( 7 ) **. Please provide me with the methods used, sources consulted, and all supporting documentation obtained during your verification of the disputed information. 

# # # 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy Under **15 U.S.C. 1681e ( b ) **, credit reporting agencies must ensure that the information contained in a consumers credit report is accurate and up to date. I believe that certain accounts or records on my report have not been adequately verified and may be incorrect. I request that you immediately review and correct any inaccuracies or provide documented proof of their validity.

I have attached copies of my identification and supporting documents regarding the disputed information. Please conduct a thorough investigation and update my file accordingly. If you find that the information can not be verified, I request its immediate removal from my credit report. 

Please provide a written response within the legally required timeframe, confirming the results of your investigation and any corrective actions taken. Failure to comply with my request may result in further legal action.

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: VA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
1. Sent disputes per certified mail. See receipt attachments.

2. Experian received XX/XX/XXXX. Per rubber stamp signature see attachments.

3. Did not receive any type of response within 30 days+ 4. Contacted Experian Dispute Center ( XXXX TX ) XX/XX/year> ) 5. Agents at first could not find disputes. Finally found the appropriate disputes. See attachments. 
6. Agent stated not sure why dispute was not processed. Agent also stated that it looks like it may have been sent to another department. ( Possibly fraud department ) Agent stated he does not know for sure and does not know why it would be sent there.

7. I requested a DELETION OF MY DISPUTED ITEMS per the FCRA law if after 30 days of investigation and creditor or bureau does not respond Experian must DELETE unverified disputes. Note : Experian received disputes XX/XX/year> per certified signature mail. See attachments. 
XXXX. Agent stated they can not delete unverified disputes. Offered to resubmit disputes. Agent thats all they can do. Please note that the agent confirmed having the disputes on file.

9. Agent resubmitted unverified disputes. Experian did not follow FCRA law and DELETE disputes. ( 30 day response time ) 10. Requested to be transferred to the Fraud department to see if they knew what was going on. They did not have the original disputes sent. Only had information and new disputes agent just resubmitted.

11. Fraud department agent also stated that they can not DELETE unverified timed disputes. ( 30 day FCRA law ). And the agent said they now have until XX/XX/year> to respond to my disputes. 
12. Submitted CFPB complaint on XX/XX/year>. 

DELETE THE UNVERIFIED DISPUTES PER THE FCRA LAW. 30 Day documented certified mail records.

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 2025-03-31 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: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
I have consistently reached out to this company via the support email to no avail. One agent said the account was already closed. The another agent said he closed my account at my request.which is it? I never requested to close my account and never got an emails from the fraud department explaininggg what is going on. Yet, the account is STILL reporting as unpaid on my credit report. How can you report a late balance while never letting me regain access to pay? And where is the explanation from the fraud department?! I haven't been able to access my account because my phone number changed and no one helped me fix this to pay my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: LA

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation