vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-05-08 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: Experian Information Solutions Inc.
State: PA

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-08 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
XXXX  account is reporting inaccurate information on my credit report. I've disputed this information numerous times with each of the credit bureaus, but they keep saying the information comes back as verified. How can the information be verified or accurate if the credit bureaus are reporting different information? This is a direct violation of FCRA laws. The following is everything that is reporting differently across the credit bureaus : Last Reported, Date Last Active, Date of Last Payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
I requested debt validation from TRANSWORLD SYSTEM INC under the FDCPA. In response, they provided a spreadsheet-style list of charges but did not provide proper validation of the debt. 
The document they sent does not provide any signed contract establishing the debt. 
I believe this response is insufficient and does not fulfill their legal obligation to validate the debt under the FDCPA. 

In addition to this, they are reporting an incorrect address in connection with the debt. The address they are using is : XXXX XXXX XXXX XXXX, TN XXXX. 
I have never even been to Tennessee. This is not my current or correct address and may result in further harm or confusion regarding this account.

Without proper documentation and with inaccurate reporting, I can not confirm the validity of the debt. I believe this response falls short of the FDCPAs standards and may also violate fair credit reporting obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I submitted a dispute letter to Experian via their online portal, requesting an investigation into inaccurate items listed on my credit report. Along with my dispute letter, I provided all necessary identification documents to verify my identity, including a copy of my photo ID, social security card, and a recent utility bill displaying my current address. 
In my dispute letter, I explicitly requested the following information from Experian regarding the verification process : - Details on how the disputed item was verified.

- The date when Experian contacted the creditor and furnisher.

- Contact information for the creditor and the furnisher.

- The name of the person who verified the item.

- The method of communication used to verify the information ( e.g., phone, email, mail ).

- Confirmation whether the creditor and furnisher provided any sensitive personal information such as my Social Security Number, address, and date of birth during the verification process. 
Despite providing all the necessary documentation and clearly outlining my concerns, I have not received any results or updates from Experian regarding my dispute. It has been over 30 days since my submission, and Experian has failed to communicate any resolution or progress. 
According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are legally required to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of information on their credit report. Experian 's lack of response and failure to act on my dispute constitutes a clear violation of my rights under the FCRA. I am including a copy of my dispute letter sent to Experian as proof.

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 2025-05-08 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:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Equifax immediately block the fraudulent and unauthorized accounts listed below from my consumer credit report within four business days of receiving this complaint. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I formally dispute the accuracy and legitimacy of these accounts and demand a full reinvestigation in accordance with federal law. 

The fraudulent accounts currently being reported include : A credit account with XXXX opened XXXX XX/XX/XXXX, with a balance of {$1200.00} A credit account with XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$1000.00} A retail credit account with XXXX opened on XX/XX/XXXX, with a balance of {$0.00} A revolving account with XXXX opened on XX/XX/XXXX, XXXX a balance of {$610.00} A credit account with XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX a balance of {$7800.00} A credit account with XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX a balance of {$8100.00} A credit card account with XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX XXXX a balance of {$1400.00} A second credit card account with XXXX XXXX XXXX  opened on XX/XX/XXXX XXXX with a balance of {$9000.00} Pursuant to FCRA Section 611, I demand that Equifax provide complete reinvestigation details, including the method of verification used and physical documentation proving the legitimacy of these accounts. Without such evidence, these items constitute XXXX XXXX fraudulent reporting and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX. I also have the following fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XX/XX/XXXX. 

Please remove these from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Under 15 U.S.C. 1681c-2 ( a ), you are required to block this information within four ( 4 ) business days of receiving this request. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX. I also have the following fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XX/XX/XXXX. 

Please remove these from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Under 15 U.S.C. 1681c-2 ( a ), you are required to block this information within four ( 4 ) business days of receiving this request. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and 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 2025-05-08 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: Kikoff Inc.
State: PA

Complaint narrative:
I have sent the following disputes regarding charged off accounts on my credit. I paid off this account and have since been able to open a new account, This still showing a balance on my report and I would like it removed as soon as possible. 

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am facing the same inaccuracies on my Experian credit report, which is only adding to my stress and uncertainty. The XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX ), which shows a charge-off with a {$0.00} balance as of XX/XX/XXXX, is incorrect. The XXXX  XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX ), listed as a charge-off on XX/XX/XXXX for {$1700.00}, is also a discrepancy I can not explain. Similarly, the XXXX  account ( XXXXXXXX XXXX XXXX XXXX XXXX  ), listed with a charge-off on XX/XX/XXXX and a {$0.00} balance, is an error. These persistent inaccuracies are seriously impacting my creditworthiness and have made it increasingly difficult to access essential services. The overwhelming burden these errors have placed on my finances and peace of mind is unjustifiable. I strongly believe that these discrepancies are the result of a data breach, raising serious concerns about my personal information being mishandled. This adds another layer of worry about the protection of my financial details. Under 15 USC 1681n, 1681 ( c ) 2, and 1692 ( g ), these errors must be validated or removed in accordance with the FCRA, as failure to do so constitutes a violation of my 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX, received a letter of indebtedness collections from Penn Credit Corporation XXXX XXXX XXXX regarding delinquent utilities at the residence of XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX for utility services from XX/XX/XXXX - XX/XX/XXXX. 


My identification was stolen to fraudulently access utilities services at a residence to which I have no knowledge of either the occupants, or the residential location. 

I had no awareness that a fraudulent bill under my name existed until I received the letter from Penn Credit Corporation. The system is broken in many areas because I could have proven my identity, and innocence at the local level with the XXXX XXXX XXXX XXXX rather being sent to debt collections. 

I've lived in XXXXXXXX XXXX XXXXXXXX ; my permanent residence, of over XXXX years, and have no idea how the occupants of that residence gained access to my personal information, but the agent of Penn Credit Corporation attempted to pressure me into " paying in full '' a debt that I did not incur. 

IMO, it's an egregious tactic. I'm the victim of thieves who were able to successfully gain access to utility services within an institution that failed to properly validate the identity, and credentials of the occupants of this residence. 

Attached is the information from Penn Credit Corporation, and a copy of the Police that I filed with XXXX XXXX XXXX 

If you require further proof, I can provide my Passport, Military ID, Washington State Driver 's License, and Washington State utility bill as proof of residence. 

Thank you in advance for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
in accordance with the fair credit reporting act, account XXXX XXXX XXXX ACCOUNT NUMBER XXXX, XXXX, ACCOUNT NUMBER XXXX, XXXX XXXX, ACCOUNT NUMBER XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. states, I have the right to privacy.

15 U.S.C 1681 section 604A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my Written Instructions.

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 2025-05-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maury Cobb, Attorney at Law, LLC
State: FL

Complaint narrative:
The hang up in your face. they are unprofessional and scammers. They arent accredited by XXXX  and their yelp reviews show that they do this to other people. This needs to be removed off my record. MAURY COBB ATTORNEY AT LAW LLC needs to be shut down. Check their reviews. Its all the same scam. they are contacting previous people that had XXXX XXXX and harassing resolved debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax lowered my fios score for balance on XXXX XXXX witch they report as being XXXX more than correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: SC

Complaint narrative:
SEZZLE INC Acct # XXXX Open date XXXX XXXX has been reporting as a COLLECTION when in fact they were PAID! This company continues to do malicious things to the reporting account. They updated to PAID and CLOSED XXXX XXXX and then a day later changed dates on file to 30 60 90 days late to negatively affect my credit profile.

Company response to consumer: Closed with explanation