vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
To whom It may concern ; This letter results in a demand for validation of the alleged debt {$2700.00} you claim I owe, as required by 15 U.S.C. 1962g [ FDCPA ] and 15 U.S.C.1681 [ FCRA ]. You are hereby notified that I dispute the alleged debt {$2700.00} in it's entirely and demand full validation. Under the Fair Debt Collection Practice Act, I have the right to request the following ; [ 1 ] Full and Complete validation of the alleged debt. [ 2 ] The original signed contract bearing my signature and charge date XXXX XXXX. [ 3 ] The complete payment history showing how the alleged amount was calculated. [ 4 ] The name and address of the original creditor. [ 5 ] Proof that you are legally authorize to collect in this state. [ 6 ] Proof of assignment or transfer of debt, to include chain of custody from the original creditor to your agency. [ 7 ] Notarized documentation proving your legal standing to collect this debt, Under U.S.C. 1681b [ Permissible Purpose ], you are also required to demonstrate ; that you had a legal and permissible purpose to pull or report any information regarding this account on my consumer report, reporting unverifiable, inaccurate, or incomplete information to to any credit bureau is a direct violation of 15 U, S, C, 168s-2 [ a ].

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 2025-06-28 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: WA

Complaint narrative:
I had my Personal info and personal documents stolen a while back and people used my name to get accounts and buy stuff under my name. This wasn't me, these are not my accounts. Please get this off my credit asap as its causing a major hardship in my life. I need this to be a top priority thank you.

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 2025-06-28 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: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
XXXX XXXX Reported without my consent on XX/XX/XXXX Amount- {$140.00} XXXX XXXX XXXX Reported without my consent on XX/XX/XXXX Amount- {$22.00} XXXX XXXX- Reported without my consent on XX/XX/XXXX and XX/XX/XXXX. XXXX it's " paid off and closed '' but I did not authorize this. 
SOUTHWEST CREDIT SYSTEM ( Original creditor : XXXX ) - Reported without my consent on XX/XX/XXXX Amount- {$140.00} XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Amount- {$1100.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) Reported without my consent on XX/XX/XXXX Amount- {$640.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) Reported without my consent on XX/XX/XXXX Amount {$900.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) Reported without my consent XXXX XX/XX/XXXX Amount- {$6300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) Reported without my consent on XX/XX/XXXX amount of {$200.00} XXXX XXXX- Reported without my consent XXXX Amount- {$62.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TekCollect Inc.
State: MO

Complaint narrative:
XXXX XXXX Reported without my consent on XX/XX/XXXX Amount- {$140.00} XXXX XXXX XXXX Reported without my consent on XX/XX/XXXX Amount- {$22.00} XXXX XXXX- Reported without my consent on XX/XX/XXXX and XX/XX/XXXX. States it's " paid off and closed '' but I did not authorize this. 
XXXX XXXX XXXX ( Original creditor : XXXX ) - Reported without my consent on XX/XX/XXXX Amount- {$140.00} TEK-COLLECT INC ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported without my consent on XX/XX/XXXX Amount- {$1100.00} XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX ) Reported without my consent on XX/XX/XXXX Amount- {$640.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) Reported without my consent on XX/XX/XXXX Amount {$900.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) Reported without my consent on XX/XX/XXXX Amount- {$6300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) Reported without my consent on XX/XX/XXXX amount of {$200.00} XXXX XXXX- Reported without my consent XXXX Amount- {$62.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: TX

Complaint narrative:
I am writing to formally dispute the credit reporting of my former lease account, which is currently reflected as a paid charge-off with the credit reporting agencies. 

The account in question is associated with a lease returned to XXXX XXXX XXXX on XX/XX/XXXX. I was later informed of a mileage overage balance totaling {$5000.00}, which I immediately paid in full directly to XXXX XXXX XXXX  on XX/XX/XXXX. 

In your response to my previous inquiry, you stated that the account was charged off on XX/XX/XXXX, due to non-payment, and that notices were mailed from XX/XX/XXXX through XX/XX/XXXX. However, all of these communications were sent to an outdated billing address that was no longer valid at the time. 

To be clear : I did not receive any of the mailed invoices or charge-off notices.

I did not receive any email, text, or phone call even though XXXX had multiple channels to contact me. 

I was living at my current address well before the lease ended, and I have enclosed a utility bill proving that I lived here before XX/XX/XXXX. 

Upon learning of the outstanding balance, I acted in good faith and voluntarily paid the full amount directly to you, not through a third-party collection agency. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), data furnished to credit reporting agencies must be accurate and not misleading. Reporting my account as a charge-off despite : my immediate full payment, lack of valid notification, and no intention to avoid the debt creates a misleading and unfairly negative reflection of my creditworthiness.

I am requesting that XXXX Financial Services correct the credit reporting of this account to reflect a more accurate and fair status, such as : Paid in Full Closed Paid as Agreed Or removal of the charge-off notation entirely Please consider this letter a formal direct dispute under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). Enclosed are the following documents in support of this request : Copy of my electric bill, dated XX/XX/XXXX, proving I resided at my current address prior to lease return Proof of payment of {$5000.00} made directly to XXXX XXXXXXXX XXXX  Copy of your response letter and CFPB complaint summary I respectfully request a written response within 30 days of receipt. If this inaccurate reporting is not corrected, I reserve the right to file a renewed complaint with the Consumer Financial Protection Bureau and consult with legal counsel for potential violations of the FCRA.

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: CA

Complaint narrative:
I am filing this complaint because TransUnion sent me a letter on XX/XX/year> stating that an account I disputed was deleted from my credit report. However, when I later checked my online credit report, it showed that the dispute was marked as verified and the account was not removed. 

I am requesting a full explanation and copies of any documentation used to verify the accuracy of this account. Specifically, I am requesting : XXXX. Evidence that I personally opened this account. 

XXXX. Records proving payments were made by me. 

XXXX. Proof that the furnisher verified the account directly with my authorization. 

TransUnions conflicting actionsclaiming the account was deleted while simultaneously reporting it as verifiedviolate my rights under the Fair Credit Reporting Act ( FCRA 611 ). This causes confusion and damages my credit reputation.

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 2025-06-29 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 recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ava Finance, Inc
State: KY

Complaint narrative:
I have sent XXXX and XXXX info on how different the accounts was reporting and that I was never late and asked for an investigation!!! And I ask for them to credit bureau to provide me how they did there investigation and they sent me anything in XXXX XXXX!!! Also I just Noticed that on XXXX my account Number is different from XXXX  account Number .. And my Account Open Date also is different from XXXX XXXX  the XXXX  has posted!! Information showing!!! Upload!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: NC

Complaint narrative:
My name is XXXX XXXX ; I am an upstanding North Carolina consumer. I am submitting this notice under oath to inform you that there are material misstatements and unauthorized trade lines on my consumer reports resulting from XXXX  XXXX XXXX ( XXXX XXXX. XXXX ). These trade lines were reported as a result of identity theft, and the placement of this materially false information violates my rights under the following federal laws : 15 U.S.C. 7001 ( c ) ( ESIGN Act ) 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) 15 U.S.C. 1681a ( 2 ) ( xi ) ( Late Payments ) 15 U.S.C. 1681i ( Procedures for Disputed Accuracy ) 15 U.S.C. 1681s2 ( Furnishers Responsibilities to Consumer Reporting Agencies ) 15 U.S.C. 1681e ( b ) & 15 U.S.C. 1681i ( 5 ) ( a ) ( Accuracy Standards ) 15 U.S.C. 1681i ( 7 ) ( Verification Requirements ) According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2 ( a ), credit agencies must remove information obtained through identity theft once they get an appropriate report. I believe that the entries below on my credit report are outdated, time barred, fraudulent and made through unfair means : A. Fraudulent : XXXX XXXX : Balance : {$4200.00} : Opened : XX/XX/XXXX B. Fraudulent : XXXX XXXX : Balance : {$4000.00} : Opened : XXXX  C. Fraudulent : XXXX XXXX XXXX  : {$300.00} : Opened : XX/XX/XXXX 2024

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 2025-06-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: LA

Complaint narrative:
It's keep making me make multiple transactions when I'm known I have the funds in my account for withdrawn and transferring money to Mom length account it limit limited me to {$50.00} at one time and it's getting frustrated because I got to wait three or four more days order for it to do it again to load my money into my account it tape actually 10 days total for me to load money to my account cuz it giving me bits at a time a little bit at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-06-29 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: OH

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 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 OF OHIO I looked at my Transunion XXXX Equifax and Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( XXXX ) Treatment of inaccurate or unverifiable information. 

( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: OH

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 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 OF OHIO I looked at my Transunion XXXX Equifax and Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( XXXX ) Treatment of inaccurate or unverifiable information. 

( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe 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 non-monetary relief
Consumer complaint received 2025-06-29 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: TN

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving 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 non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Update my personal information. 
Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL XXXX Employer : 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 2025-06-28 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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 disputing an unauthorized hard inquiry that appears on my credit report dated XX/XX/year>, from XXXX XXXX XXXX XXXX. I did not authorize or apply for credit with this company on or near that date. I have contacted the bureaus directly but received no resolution. 

This inquiry is negatively impacting my credit and was made without my consent. I am requesting immediate removal from all credit reports under FCRA guidelines. 

I have attached a copy of the inquiry as it appears on my report. 

This has also been previously disputed with XXXX  but remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I am in an IDR plan. When recalculating payments after updating income & recertifying, it reflects a standard 10 year rate, NOT the IDR rate.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-28 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: SC

Complaint narrative:
Experian score is approx XXXX points lower than other reporting agencies and I am unable to determine why.

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