vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NPG Associates, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received a letter from a company called NPG Associates regarding an alleged debt of {$900.00} with XXXX XXXX XXXX XXXX XXXX. The account number listed was XXXX, which does not match any records I have or recognize. I believe this was a false or misleading attempt to collect a debt that is either inaccurate or unverifiable. 



They offered a settlement of {$580.00} without providing any validation or supporting documentation. I formally sent them a written debt validation request and asked them to stop all collection efforts until they provide proof of the debt. As of today, they have not provided any of the legally required information. 



I believe this violates the Fair Debt Collection Practices Act ( FDCPA ) and request the CFPB to investigate and ensure this company does not continue deceptive collection practices or report unverifiable information to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-09 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: FL

Complaint narrative:
This is the second time that I have had to report this : XXXX XXXX XXXX Attn : Credit Bureau Disputes ( Equifax, Experian and Transunion ) XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting To Whom It May Concern : I am writing to dispute inaccurate and damaging information that has been reported on my credit file by XXXX XXXX XXXX. Your institution has recently altered my payment history to reflect late payments that are false and in violation of federal law. This constitutes willful furnishing of inaccurate information and must be corrected immediately. 

According to my credit monitoring service, my payment history was previously reported as current for the following months : - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, your company has now falsely updated this record to reflect : - XXXX XXXX 30 Days Late - XXXX XXXX 30 Days Late - XXXX XXXX 60 Days Late These updates are not only erroneous but legally actionable under the Fair Credit Reporting Act ( FCRA ) : 1. FCRA 623 ( a ) ( 1 ) ( A ) : A data furnisher may not furnish information on a consumer to any consumer reporting agency if the furnisher knows or has reasonable cause to believe the information is inaccurate.

2. FCRA 623 ( b ) ( 1 ) : Upon notification of a dispute by a consumer, the furnisher must : - Conduct a reasonable investigation, - Review all relevant information provided, - Report the results of the investigation to the credit reporting agencies, - Correct or delete any inaccurate, incomplete, or unverifiable information.

3. FCRA 616 and 617 : These provisions provide for civil liability for willful or negligent noncompliance with FCRA requirements. 
You have also caused me to get denied for employment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: TX

Complaint narrative:
After returning my leased vehicle to Volkswagen, I was informed there was a final lease-end balance of {$390.00} due. However, immediately after the return, my account was deactivated, and I lost all access to make a payment online or view the balance.

I did not receive any written communication from Volkswagen regarding the outstanding balance. They later stated they had attempted to call me, but the only calls I received were robocalls that were blocked by my robocall filter app. As a result, I was unaware that a payment was due until XXXX, when I finally was able to get in contact. 

At that time, I was told that although the payment was late, the account had not been sent to collections. I immediately paid the {$390.00} in full and requested written confirmation, which I received from Volkswagen.

Despite this, my credit report still shows the account as a charge-off, which is inaccurate and highly damaging. A charge-off implies the account was written off as a loss, which is not the case, I paid in full, and the creditor accepted the payment without involving collections. 

I am requesting that the charge-off status be removed from my credit reports and corrected to reflect the accurate status : paid in full, with a late payment if necessary, but not charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-09 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: NY

Complaint narrative:
What happened? 
I am disputing unauthorized and fraudulent hard inquiries that appeared on my TransUnion credit report without my knowledge, authorization, or consent. These inquiries are the result of identity theft and were not initiated by me for any credit or insurance application. I have no relationship with these companies and did not authorize any of these inquiries. 

The following inquiries are fraudulent and were added without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I formally notified TransUnion in writing of these fraudulent inquiries, referencing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( c ) ), which prohibits reporting inquiries for transactions not initiated by the consumer, and 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block and delete identity theftrelated information within 4 business days of receiving notice.

I also referenced 18 U.S.C. 1028A ( Aggravated Identity Theft ), because these unauthorized inquiries represent misuse of my personal identifying information. 

Despite my formal request and legal references, TransUnion has not removed these fraudulent inquiries, and they remain on my credit report, continuing to harm my credit standing. 

I now request the CFPBs assistance to compel TransUnion to correct this violation and protect my consumer rights.

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 2025-05-09 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: WI

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely 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 explanation
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I'm filing a complaint against XXXX ( or XXXX, their subcontractor ) regarding false and damaging credit reporting on my federal student loans. 

As of XX/XX/year>, five of my XXXX loan accounts were simultaneously marked as 120+ days past due on my credit reports. However, I never received any billing statements, due date notices, or repayment instructions during the months leading up to this reporting. 

In fact, I received an email from XXXX in XX/XX/year> stating that my forbearance was ending soon, which clearly implies that I was still in a forbearance or deferment status during the time they are now claiming I was delinquent. 

My Equifax and XXXX credit reports both show PDE ( Payment Deferred ) notations for multiple months during this time period, further validating that my loans were not in active repayment. 

This appears to be an administrative error during the transition between loan servicers, and it has caused catastrophic damage to my credit score, which dropped from approximately XXXX to XXXX overnight. I had no missed payments before this, and Ive always made an effort to remain in good standing. 

I am requesting that the Department of Education require the servicer to investigate and remove all derogatory marks and restore my accounts to their accurate status : current, deferred, or in good standing. 

Im happy to provide screenshots, credit report PDFs, or the communication from XXXX if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
I'm filing a complaint against XXXX ( or XXXX, their subcontractor ) regarding false and damaging credit reporting on my federal student loans. 

As of XX/XX/year>, five of my XXXX XXXX accounts were simultaneously marked as 120+ days past due on my credit reports. However, I never received any billing statements, due date notices, or repayment instructions during the months leading up to this reporting. 

In fact, I received an email from XXXX in XX/XX/year> stating that my forbearance was ending soon, which clearly implies that I was still in a forbearance or deferment status during the time they are now claiming I was delinquent. 
My XXXX  and TransUnion credit reports both show PDE ( Payment Deferred ) notations for multiple months during this time period, further validating that my loans were not in active repayment.

This appears to be an administrative error during the transition between loan servicers, and it has caused catastrophic damage to my credit score, which dropped from approximately XXXX to XXXX overnight. I had no missed payments before this, and Ive always made an effort to remain in good standing. 

I am requesting that the Department of Education require the servicer to investigate and remove all derogatory marks and restore my accounts to their accurate status : current, deferred, or in good standing. 

Im happy to provide screenshots, credit report PDFs, or the communication from XXXX 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 non-monetary relief
Consumer complaint received 2025-05-09 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX, Balance {$0.00}

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/XXXX Subject : Urgent Request for Immediate Deletion of Inaccurate Account FCRA Violation Consumer Name : XXXX XXXX XXXX Partial Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Reporting Agencies Involved : XXXX and Equifax Dear CFPB Officer, I am writing to file a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX  XXXX for reporting inaccurate and harmful information on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have identified multiple critical errors and discrepancies across the credit reporting agencies that are damaging my credit profile. Below are the details : 1. Inconsistent reporting across bureaus : This account is not reported to XXXX at all, while both XXXX and Equifax report it as a Charge-Off/Collection. Under FCRA 1681e ( b ), all reported information must be accurate and consistent across all consumer reporting agencies. This is a clear violation.

2. Contradictory last payment dates : XXXX shows the last payment as XX/XX/XXXX, while Equifax shows XX/XX/XXXX. This is materially inaccurate and misrepresents the payment history. 
3. Conflicting dispute status : XXXX states the account dispute is resolved, while Equifax shows the dispute is still under reinvestigation. This contradicts FCRA 623 which mandates clarity and timely resolution of disputes.

4. Credit limit discrepancies : XXXX reports a credit limit of {$2500.00}, while Equifax reports {$0.00}, further affecting my utilization rate and credit scoring. This is a direct violation of accurate reporting requirements under FCRA. 
5. Payment history conflict : Equifax reports several months as OK or current, despite simultaneously marking the account as charged off, which is misleading and damaging.

Pursuant to my rights under the FCRA, specifically Sections 607 ( b ), 611, and 623, I am requesting the immediate removal of this account from my credit reports due to its numerous inaccuracies and failure to comply with federal standards. 

I have attached evidence of the inconsistencies mentioned above. 

Thank you for your prompt attention to this matter. I respectfully request a thorough investigation and full deletion of the account from all credit bureaus to prevent further harm to my financial standing. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GOLDMAN SACHS BANK USA
State: OH

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 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of a debt you claim I owe and to request full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I also dispute the accuracy of the information you may have furnished to any consumer reporting agencies and demand its immediate removal unless and until full validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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 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