vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: AL

Complaint narrative:
Final Demand to Experian for Immediate Removal & Notice of Fault To : Experian Address : [ Insert Appropriate Bureau Address ] From : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Subject : Final Demand for Immediate Correction of Credit File and Notice of FCRA Violation To Whom It May Concern : This letter serves as a final lawful demand pursuant to the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681i ( a ), and all applicable commercial and equitable maxims, concerning your failure to comply with federal law regarding a previously submitted dispute. 
You are hereby placed on notice that : XXXX. Experian has received valid dispute documentation as of XX/XX/year>, evidenced by your mailed correspondence addressed to my correct name and address : " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' XXXX. Pursuant to 15 U.S.C. 1681i ( a ), you are required by law to conduct a reasonable investigation and delete or correct inaccurate, unverifiable, or incomplete information within 30 days of receipt. 
XXXX. Your response letter constitutes a " stall tactic '' and a constructive denial of lawful due process, as it improperly deflects the burden of verification and attempts to re-trigger the statutory deadline. 
XXXX. This constitutes a willful violation of the FCRA, as you are in possession of correct identity information, and your attempt to delay resolution by requesting redundant " identification '' documentation is baseless. 
XXXX. You are now liable for all damages resulting from continued reporting of inaccurate, unverifiable, or fraudulent data under 15 U.S.C. 1681n and 1681o.

Therefore, you are hereby given ten ( 10 ) days from the date of this letter to : - Permanently delete the disputed item ( s ) from my credit file ; - Provide written confirmation of said deletion ; - Cease and desist from further obstruction of the dispute process. 
Failure to comply will result in : - Immediate filing of a complaint with the Federal Trade Commission ( FTC ) and Alabama Attorney General ; - Initiation of a civil action for damages pursuant to 15 U.S.C. 1681n ; - Reporting of this bad faith conduct to all relevant oversight authorities.

Notice to Principal is Notice to Agent. Notice to Agent is Notice to Principal. Failure to rebut this demand in kind constitutes legal agreement and tacit procuration. 
Govern yourself accordingly. 
Signed lawfully, XXXX XXXX XXXX Secured Party Creditor

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 2025-06-24 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:
XX/XX/year> To : Experian, TransUnion, & Equifax RE : FCRA & FDCPA Violation Voluntary Surrender Dispute ( Not a Repossession ) To Whom It May Concern : I am formally disputing the inaccurate and misleading reporting of a voluntary vehicle surrender on my credit report. This account is being wrongfully reported or coded as a repossession, which is false and a violation of my rights under federal law. 

Dealership : XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX The vehicle was voluntarily surrendered due to mechanical defects and ongoing safety issues directly caused by the dealership and its mechanic, both of which failed to honor their responsibilities. After several unsuccessful repair attempts and ongoing issues that made the vehicle inoperable and unsafe, I had no choice but to return the vehicle voluntarily, with notice due to merchant failure. 

This is not a repossession, and reporting it as such is a willful misrepresentation in violation of : 15 USC 1681i Failure to conduct a reasonable investigation into a disputed item ; 15 USC 1681s-2 ( b ) Failure to correct and update inaccurate information after notice of dispute ; 15 USC 1692e Use of false, deceptive, or misleading representations in connection with the collection of any debt. 

You are hereby notified that you are knowingly reporting false and damaging information, and I demand : 1. Immediate deletion or correction of this account to reflect the true status : voluntary surrender not repossession ; 2. A copy of the original assignment agreement, surrender acknowledgment, and any verification used to support your reporting ; 3. Written confirmation of the resolution within the 30-day window required by federal law. 

Should you fail to correct or delete the inaccurate information after this notice, you will be held liable for willful noncompliance, and I will seek statutory damages of up to {$1000.00} per violation under 15 USC 1681n, in addition to actual damages, court costs, and attorneys fees. 

This letter serves as your final notice before I escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

Sincerely, 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 2025-06-24 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: TN

Complaint narrative:
XX/XX/year> To : Experian, TransUnion, & Equifax RE : FCRA & FDCPA Violation Voluntary Surrender Dispute ( Not a Repossession ) To Whom It May Concern : I am formally disputing the inaccurate and misleading reporting of a voluntary vehicle surrender on my credit report. This account is being wrongfully reported or coded as a repossession, which is false and a violation of my rights under federal law. 

Dealership : XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  Account Number : XXXX The vehicle was voluntarily surrendered due to mechanical defects and ongoing safety issues directly caused by the dealership and its mechanic, both of which failed to honor their responsibilities. After several unsuccessful repair attempts and ongoing issues that made the vehicle inoperable and unsafe, I had no choice but to return the vehicle voluntarily, with notice due to merchant failure. 

This is not a repossession, and reporting it as such is a willful misrepresentation in violation of : 15 USC 1681i Failure to conduct a reasonable investigation into a disputed item ; 15 USC 1681s-2 ( b ) Failure to correct and update inaccurate information after notice of dispute ; 15 USC 1692e Use of false, deceptive, or misleading representations in connection with the collection of any debt. 

You are hereby notified that you are knowingly reporting false and damaging information, and I demand : 1. Immediate deletion or correction of this account to reflect the true status : voluntary surrender not repossession ; 2. A copy of the original assignment agreement, surrender acknowledgment, and any verification used to support your reporting ; 3. Written confirmation of the resolution within the 30-day window required by federal law. 

Should you fail to correct or delete the inaccurate information after this notice, you will be held liable for willful noncompliance, and I will seek statutory damages of up to {$1000.00} per violation under 15 USC 1681n, in addition to actual damages, court costs, and attorneys fees. 

This letter serves as your final notice before I escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursue legal action if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CBC Companies, Inc.
State: AL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: AR

Complaint narrative:
I am disputing the XXXX account reported on my credit report. The charge-off date appears to be XX/XX/XXXX, yet charge-off status and payment updates continue to appear into XXXX. This may constitute re-aging of the account, which is not permitted under the FCRA. 

Additionally, the account is showing a {$0.00} balance but still labeled as charged off, which is inconsistent reporting. I also noticed that no credit limit is listed, which can unfairly affect my utilization ratio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: AR

Complaint narrative:
I am disputing the XXXX account reported on my credit report. The charge-off date appears to be XX/XX/XXXX, yet charge-off status and payment updates continue to appear into XXXX. This may constitute re-aging of the account, which is not permitted under the FCRA. 

Additionally, the account is showing a {$0.00} balance but still labeled as charged off, which is inconsistent reporting. I also noticed that no credit limit is listed, which can unfairly affect my utilization ratio.

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 2025-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I started a transfer on XX/XX/year> from my XXXX ( XXXX ) account to another bank ( XXXX XXXX XXXX XXXX ) in XXXX XXXX XXXX XXXX 
Till now the XXXX of XXXX ( more than XXXX months ) I dont know what is the status of my transfer because I have an official email from the recipient bank that no money whatsoever reached the account. I tried contacting Western Union several times with tons of tickets but no response and sometimes when I demand an answer they hangup the phone so customer service are unprofessional people who lack the ability to even speak XXXX or understand anything and when I demand any response from r talk to XXXX they hang up or refuse to answer my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 did not open these accounts please remove immediately

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my credit card account never gave me a reason. I was late by a few days a couple of times paying my bill. I was paying it all off at once every month. Then I was told it was better for my credit to pay it off at the minimum by my aunt so I did that. Most of the time I just paid it all off. I never got a reason they just closed the account charged fees and sent it to a collections agency called XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
We just purchased our home with 10 % down and had to place PMI on the loan. Before the second payment was due we successfully recast the loan by placing XXXX more down reducing the total amount to around 60 %. On the companies web site they have a selection to remove PMI. I selected this and was later sent a letter that stated I was eligible for PMI removal. Then I was sent another letter that stated that I needed to have an appraisal done because the appraisal report was not ordered through their office. 
I have literally not even made my second payment. The appraisal used to be approved for the loan is not even XXXX  days old. And now they want me to pay again for another appraisal and wont remove the PMI? Am I mistaken that at 78 % it must be removed automatically? This seems like a monster scam. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The accounts I have attached were charged off and then they were repeatedly updated as charged off, this is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
The accounts I have attached were charged off and then they were repeatedly updated as charged off, this is an update in the payment history. A charge off should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

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 2025-06-24 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Notice to Cease and Desist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STOP All DEBT COLLECTION CALLS & NOTICES Jefferson Captial Systems, LLC ( XXXX 

This letter is in response to all letters, emails, phones calls, or any other mediuc of communication where I've received notices from your orgainziation. In accordance with the Fair Debt Collection Practices Act, communication from your organization in regard to the debt you are attempting to collect. In response to this " Cease Communication '' letter, and in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collections efforts, or to notify me that a specific action will take place.

If this alleged devt belongs to me, the please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S. Code 1692g, please send me a detailed list of the history of payments I've made on this account. I also want to witness the signature that I've signed on offical contact documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. And lastly, I will request proof that you have the chain of title to collect on this debt.

Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debt shall also be in violation of federal law.

If you do not cease commuincation, a lawsuite will be filed against you. 
This letter has been sent by certified mail with return also and shall be present to any court of proper jurisdiction if commuication continues. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation