vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-12 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 DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-12 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:
XX/XX/XXXX By Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX Fraud Department XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Formal Identity-Theft Demand to Block Fraudulent Information under FCRA 605B ( 15 U.S.C. 1681c-2 ) Consumer : XXXX XXXX XXXX DOB : XX/XX/XXXX Primary, Verified Address : XXXX XXXX XXXX XXXX XXXX Spring, TX XXXX Reference : XXXX Report XXXX This is my final and formal demand under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( 605B ). I am the victim of identity theft and a data breach. I did not authorize or participate in the creation of any accounts, inquiries, addresses, employers, banking data, or email addresses on my Clarity consumer file other than those I have listed as valid below. This is not my activity, and your file contains fraudulent data.

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 2025-10-12 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:
I've noticed inaccurate information on my credit report this is hurting my credit to obtain credit. Please due a full investigation and delete the inaccurate information in a timely manner. 
Account name XXXX XXXX XXXX XX/XX/23 Account number 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 2025-10-12 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: NV

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
Consumer complaint received 2025-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing / NewRez LLC Loan Number : XXXX Complaint : I filed XXXX XXXX XXXX and received my discharge on XX/XX/2024. My mortgage account was with Shellpoint Mortgage Servicing. 

After discharge, I entered into a loan modification agreement with Shellpoint / NewRez, which created a new binding contract and enforceable obligation. I have been making all payments on time under this new agreement. 
However, Shellpoint / NewRez refuses to report my mortgage account to the credit bureaus. In a written letter, they stated that I must obtain a reaffirmation of the debt from the court, which is not possible, because reaffirmation agreements must be filed and approved before discharge. Asking me to do something legally impossible is unreasonable and unfair. 
Because this loan modification was executed after bankruptcy discharge, it should be treated as a new contract and reported as such. Their refusal to report is preventing me from rebuilding credit, despite my consistent payment history. 

What I Want : - Require Shellpoint / NewRez to begin reporting my mortgage account and ongoing payment history to XXXX, XXXX, and XXXX. 
- If they refuse, require them to provide a clear legal justification as to why a post-discharge loan modification is not reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I am writing to formally dispute the tradeline currently reported by Toyota Motor Credit Corporation to XXXX which is marked as a charge-off with a significant balance. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Trans World is trying to collect on a debt from XXXX XXXX XXXX for {$640.00}. The debt is at a business location which I have nothing to do with, I explained this to them and ask to send in any documentation, but she was like just pay and we will take it off your credit report. I have with the FTC, report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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:
I've noticed inaccurate information on my credit report this is hurting my credit to obtain credit please do a full investigation and remove inaccurate information in a timely manner Account name XXXXXXXX XXXX XXXX XX/XX/year> account number 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 2025-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this derogatory mark because it does not belong to me. I believe it may be the result of identity theft or a reporting error. Please review and remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hello I did a balance transfer from XXXX It was OVER THE PHONE. I attempted to pay off my TD bank for a 15 months XXXX FEE. First month TD charged me {$35.00} as stated on the recorded line! Second month they hit me over the head with an illegal fee continued to XXXX! me telling me rudely I got ta pay up front for the balance transfer fee which is unprecented and illegal i never signed a contract or ever via over the phone was told this Today on a recorded line yes I recorded TD bank they claim i have a credit for {$530.00} I should have a additional credit of {$120.00} they attempted after their switch and bait predatory banking now XXXX stated they didnt accept the electronic payment it must be mailed both banks state I owe them {$8800.00} both banks were saying I owe this both are deceitful bankers I learned the hard way!! TD if u XXXX has been busted for banking with the cartel this is appalling i need asap my {$570.00} IMMEDIATELY back from TD bank im currently battling a medical conflict with a child in medical school i have them On tape!! Cause they are pathological LIARS and its been XXXX XXXX on hold to get my money refunded in a paper check go on XXXX XXXX this its horrific theres no honest non corrupt bankers. Any more now XXXX XXXX said they declined the electronic transfer!!! But NO ONE TOLD ME THIS UNTIL TODAY now im hit over the head with {$8800.00} XXXX XXXX percent i been physically sick for XXXX weeks please i have full confidence get me my full balance transfer fees from TD bank NO BALANCE TRANSFER WAS XXXX did XXXX for me I should not be charged this is unethical and Wellsfargo are also soulless wanted only a paper check in the mail to intentionally and maliciously STALL MY BALANCE TRANSFERnow my XXXX XXXX XXXX plummeted. 
Please I have full confidence you will help i apreciate you and your team!! 
I thank you in advance Respectfully yours XXXX XXXX XXXX I been robbed by not one but two banks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Managers, Inc.
State: WA

Complaint narrative:
XXXX XXXX failed to provide me with verified debt information that I requested over 60 days ago did not provide any proof or evidence and Im asking this to be removed from my credit report as well as the apartment company encore I had paid account and received my full deposit back per moving out. I also spoke to XXXX collections on the phone and they did not provide any information in writing by mail within that 30 day. Of me requesting the information I have done this three different times now and they have failed to provide me with the proof and evidence of me owing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This letter serves as a formal dispute and request for validation regarding the account referenced above, which XXXX Account XXXX is furnishing to Experian and Equifax. 
This account is currently being reported as charged-off and derogatory. I dispute the accuracy and completeness of this tradeline under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Roadrunner Account Services, LLC
State: NV

Complaint narrative:
This letter serves as a formal dispute and request for validation regarding the account referenced above, which Roadrunner Account Services is furnishing to XXXX  and XXXX 
This account is currently being reported as charged-off and derogatory. I dispute the accuracy and completeness of this tradeline under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: KY

Complaint narrative:
XXXX continues to report the same World Finance debt twiceonce under World Finance Company of Kentucky and again under XXXX XXXX XXXX XXXX. This is the same account that was charged off and closed in XXXX, yet XXXX is allowing XXXX XXXX to report it as a new collection opened in XXXX. 

This duplicate reporting makes it appear that I defaulted again on a new debt, which is false and misleading. I have already disputed this issue, and World Finance confirmed that the account was closed years ago. Despite this, TransUnion has failed to remove or properly update the duplicate tradeline, which violates the Fair Credit Reporting Act ( FCRA ) because it allows inaccurate and outdated information to remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: GA

Complaint narrative:
Dear ( Debt Collector ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
its is saying paid closed an its just on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because Experian is reporting an outdated and inaccurate address on my consumer file. 
I previously submitted documentation to have my current address updated, but Experian has not made the correction or provided written confirmation. This failure causes inaccurate identifying information to appear on my credit report and may affect delivery of important notices.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation when a consumer notifies them of incomplete or inaccurate information. Experian also has a duty under 607 ( a ) [ 15 U.S.C. 1681e ( b ) ] to maintain reasonable procedures to assure maximum possible accuracy in all consumer reports. 
Despite providing valid proof of residence including a recent XXXX XXXX dated XX/XX/year> and a copy of my government-issued ID Experian has continued to list my former address instead of my current one : Current Address : XXXX Point XXXX XXXX XXXX XXXX XXXX XXXX North Carolina 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 2025-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
since XXXX these company have been reporting in accurate info on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
AMOUNT XXXX DATE XXXX XXXX ACCOUNT XXXX THIS IS REPORTING ON MY REPORT AN INCORRECT INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: AZ

Complaint narrative:
The following accounts being listed on my credit report is a violation of my consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 


XXXX XXXX XXXX, Account # unknown. 
XXXX - XXXX, Account # unknown. 



15 U.S. Code 1681 ( e ) ( b ) : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( 5 ) : If a CRA, after reinvestigating a disputed item of information, finds that the information is not accurate, complete, or can not be verified, it must take action. The CRA must either promptly delete the item from the consumer 's file or modify it, depending on the results of the reinvestigation.

15 U.S. Code 1681s-2 : The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.

Information on my Transunion credit report is inaccurate and has not been corrected, even after multiple disputes. Transunion has failed over and over again to verify the information, and they refuse to delete the accounts with incorrect/inaccurate information. I have filed multiple disputes since XXXX via telephone and mail. The above listed accounts need to be promptly deleted. 


Lastly, the following inquiries on my report are unrecognized, I did not authorize them, and they must be promptly deleted : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-12 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: OH

Complaint narrative:
" 'THESE XXXX ACCOUNT WHERE CHARGE OFF / WRITTEN OFF XXXX XXXX Open date : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
" This account was open fraudulent and impermissible and do not belong to me... 

Open date : XX/XX/XXXX XXXX : {$20000.00} XXXXXXXX XXXX XXXX XXXX XXXX 
This account was open fraudulently and impermissible and do not belong to me....

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