vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
recently review a copy of my credit report. I was shocked to learn I have been a victim of identity theft ; I found numerous accounts on my credit report that was not open by me, this has been hurting me as I am in the process of buying a home for my family. Please remove this inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-10 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I was sent a text message ( I had been recieving calls also ) and I responded with this : I dont consent to verbal communication, Validate this debt in writing including the original agreement, full payment history & chain of custody or cease all collection efforts. I do not intend to pay this debt and every attempt to contact me electronically further I will pursue in a court for reimbursement and violation of my rights which are currently being violated. You also will be being reported for such for investigation. This was XXXX XX/XX/2025. I have 4 separate times since then I have been called. They are calling a business number as well and have been informed of such. Their employees were calling and not stating who they are they simply hang up if you answer. This has started since I had a verbal communication with one and stated exactly what I said above in a text message to them. They never have validated the debt in writing and continue to harass me by calling and hanging up when you answer. I have only called them back as it is a missed call at times and was not sure who was calling me, they are using a local area code number which would make me think it's someone for business which it is not! I would like them to cease and desist from contacting me and since they have not validated the debt to remove it completely!!! Under 15USC 1692 c this is illegal. The continued called are intended to annoy, abuse, and harass me. XXXX of they hang up when trying to request them to look into who of their employees is doing it to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
ALDOUS XX/XX/year> amount {$1000.00} I do not recognize this amount or account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
On XXXX XXXX I did a life saving XXXX  which I accumulated a lot of medical debt. XXXX XXXX of XXXX New Jersey was XXXX of several companies who I have to pay a copayment to after my XXXX according their records. Ive reached out to them multiple times via phone calls and emails to set up payment plans to no response. I have emailed dating back from XXXX of XXXX  which I have spoken with someone from their office regarding monthly payment plan. In XXXX I received a letter from PRESSLER Felt & Warshaw stating that they are suing me on behalf of XXXX XXXX. This has become a nightmare for me because PRESSLER Felt is using the court system as a shakedown. Ever since Ive purchased my home PRESSLER Felt & Warshaw has been using system to put fear in me about putting lien on my property etc. This nightmare has to stop. XXXX XXXX have never once tried to work out a solution for payment but instead sharing my medical information with PRESSLER because they are in the same office space and selling each others medical information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year> F.H. Cann & Associates XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX MA XXXX XXXX : Debt Validation Request Alleged unknown last XXXX : XXXX To Whom It XXXX Concern, I am formally disputing the validity of the alleged debt your company claims I owe. This letter serves as a demand for full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You are hereby notified : 1. I do not acknowledge or accept this alleged debt as mine. 2. You must provide strict proof that F.H. Cann & Associates has the legal right to collect this alleged debt, including : - The original signed contract or agreement bearing my signature. - A full accounting of the alleged balance, including principal, interest, fees, and how these amounts were calculated. - Documentation showing when and how F.H. Cann & Associates acquired this debt, and proof of assignment or transfer from the original creditor. - Evidence that this debt is within the statute of limitations for collection under state law. 3. Until such validation is provided, you must immediately cease all collection activity, including phone calls, letters, credit reporting, or legal action. Please also note that : - Any attempt to pursue this matter without providing the requested documentation will be considered a violation of federal law. - I will use your failure to provide proper validation as part of my defense in court. - This letter serves as official notice that I will require all communications in writing only. You are on notice. If you can not validate this alleged debt as required, you must immediately close your file, withdraw any court action, and remove any reporting from all credit bureaus. I expect a full written response within 30 days of receipt of this letter. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2025-09-10 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial well being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
The credit assessment fails to reflect my true financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been inaccurately reported on my credit report. These accounts do not belong to me, were never authorized by me, and their presence constitutes a false and harmful misrepresentation of my financial identity. The continued reporting of these accounts damages my reputation, diminishes my creditworthiness, and imposes an undue burden that is entirely unwarranted. Accurate reporting is essential for fair consumer credit practices.

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was at the end of my lease. I spoke to a gentlemen at Usbank who told me that I needed to pay {$490.00} and turn the lease in or I could have it extended for six months and then I would receive a normal bill each month for the next six months so I went over and paid the {$490.00} by XXXX XXXX. It was a holiday weekend so I contacted them when I got home from XXXX XXXX. They said to give them a call back on Monday. I gave them a call. They said they werent sure where the XXXX XXXX payment was but they know its there and XXXX document it so I dont receive any late fees or theres no confusion and Ill receive a bill in XXXX for the amount that I normally pay Within a few days I received a bill that was astronomical compared to what it shouldve been. I had numerous bill collectors from that bank, calling me telling me different stories every time that I spoke to one of them and the reason why I owe this amount and I explained to them that I wouldve never got the extension if I wasnt completely paid up. I eventually got a XXXX on the phone and she would not give me any information regarding the person that I needed to speak to that would be higher up in the company so we can get this resolved. She gave me an email address. I sent an email with proof and documentation and the different letters that I received that are of different amounts and everything and he told me he was going to speak to someone & get back to me that never happened. I just continue to receive these outrageous bills that make no sense, and then I just received a notice of intent, which is very alarming to me because I paid what I needed to pay by XXXX XXXX. I also paid the months for XXXX XXXX and XXXX and they cashed the check that I sent them and Im still receiving these outrageous bills even after I gave them all this money so something really needs to be done here. it has me, having full-blown XXXX  attacks and I feel extremely sick because I do suffer XXXX  right now and it is making me feel terrible. XXXX not functioning good at all and this is becoming to the point where its harassment thank you so much for having this XXXX so I can finally express my feelings without being talked over constantly and just being lied to by these representatives that work for this bank. I really appreciate the opportunity that you have given me to get the help that I need right now because I had no idea what to do. Im just kind of falling apart sincerely 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion To Whom It XXXX Concern, I am formally disputing inaccurate and unverifiable information appearing on my XXXX  credit file, in violation of the Fair Credit Reporting Act ( FCRA ). Please investigate and delete the following account immediately : Creditor : Navy Federal Credit Union XXXX Navy FCU ) Account Type : XXXX XXXX XXXX Balance Reported : {$590.00} Account Status : Closed / Collection/Charge-off Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Grounds for Dispute : XXXX. Obsolete and Misreported Activity : The account shows a Date of Last Activity as XX/XX/XXXX but is still being updated/reported in XXXX without valid consumer activity. This violates FCRA 623 ( a ) ( 2 ).

2. Failure to Verify Accuracy : The creditor has not provided verifiable proof of the debt, including signed documentation or a valid chain of custody. Without proper verification, the reporting is unverifiable under FCRA 609 ( a ) ( 1 ).

3. Re-aging Concerns : Updating the Date Reported to XX/XX/XXXX when no activity has occurred since XXXX appears as illegal re-aging, violating FCRA XXXX ( c ). 
XXXX. XXXX XXXX & XXXX : The reporting of multiple late payments ( XXXX, XXXX, XXXX ) without valid supporting documentation is inaccurate and harmful, violating FCRA 602 ( A ).

Requested Remedy : Immediate deletion of the Navy FCU account from my XXXX  file due to misreporting and unverifiable information. 

Please complete this investigation within the 30 days required by law and provide me with an updated copy of my credit file reflecting your corrections. If this account can not be fully verified with proper documentation from the original creditor, it must be deleted immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
Statement of Complaint : I am requesting that Transunion update my personal information to reflect my correct and current details. Your investigation did not fix the problems with your entity. There are several phone numbers that do not belong to me. You have numerous of addresses listed and they do not belong to me. I have given you my identification, my social security number, and proof of my residency. 

Correct Information : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX For verification, I have attached copies of my identification, Social Security card, and lease agreement. 

The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies maintain and report accurate information. My records must be updated promptly to ensure compliance with federal law and to prevent any negative impact on my credit profile. 

Requested Resolution : Update my name and address as listed above. 

Provide written confirmation once the changes have been made. 

Respectfully, 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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I assert that the erroneous late payment remarks on my accounts violate 15 USC 1666. I have consistently paid on time, and any discrepancies in this reporting are both unfair 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 explanation
Consumer complaint received 2025-09-10 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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