vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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 am writing to follow up on my previous letter, dated XX/XX/XXXX of this year, requesting correction of inaccurate information on my credit report regarding an incorrect late payment on my auto loan, account : XXXX. To date, I have not received confirmation of the correction nor have I noticed any changes to my credit report. 

This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Addiotionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the Protection Against Non-Payment of obligations Act ( PAANL ).

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 2025-03-21 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: MO

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
On friday XX/XX/year>2025 at XXXX I received a call from XXXX ( XXXX ) XXXX with caller ID of SOURCE REC MGMT Source Receivables Management. 

Their male representative had a heavy souther accent that would not allow me to understand half of what he was mumbling while speed talking their pre determined speech. 

He was calling me in regards a previous debt i had and was demanding for me to set up a payment plan with him. I responded that I am currently unemployed and he asked what is my current source of income and I repeated that I was unemployed. 

He than tells me Well you should have paid when you had a job, so tell me how you want to set up this payment plan He also started questioning me about personal finances. 

According to their online reviews they been known for these business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed unauthorised, false and fraudulent report inquiries made by the following companies : XXXX XXXX XXXXXXXX  ACCOUNT NUMBER : XXXX XX/XX/ 2025 {$4000.00} i send letter to Experian I am writing to dispute the accuracy of a collection entry on my credit report,. I believe that the reporting of this collection accounts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692, and may also impact my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1692c.

According to the FDCPA, collectors must provide accurate and truthful information in the pursuit of collecting a debt. I am concerned that the information reported to the consumer reporting agencies regarding the debt is either inaccurate or incomplete. I am also invoking my rights under 15 USC 1692c, which limits the ways in which a debt collector may communicate about a debt. I request that you cease communication about this debt and only communicate through written means.

I am requesting a thorough investigation into the accuracy and validity of the collection entry on my credit report. Please validate the details of the debt, including the amount owed, the date of the debt, and any other relevant information. If you are unable to provide accurate validate of the debt, I insist that you promptly delete the collection entry from my credit report.

Enclosed with this letter, please find copies of relevant documents supporting my dispute, including [ any supporting documents such as three disclosures correspondence, etc. ]. I believe these documents will assist in validating any inaccuracies in the reported information.

I understand that, under the FCRA, you have 30 days to complete the investigation and respond to my dispute. I appreciate your prompt attention to this matter and request that you send me a written notification of the results of your investigation.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution of this dispute and the removal of the inaccurate collection entry from my credit report. 


thank you

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 2025-03-21 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
They called me 18 times from XXXX on XX/XX/year>2025 between 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 2025-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
This letter was sent to Absolute Resolutions two times. One by certified mail and the other by email to this email address, XXXX. I complaint was filed through CFPB and the response did not include requested information. Absolute Resolutions Investments LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XX/XX/year> Re : XXXX To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IN THE AMOUNT OF {$2900.00} I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. I also sent a letter which failed to be responded to by your company. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you, please provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your collection of information? What is your authorization of law for your collection of this alleged debt? Please evidence your authorization to do business or operate in this state. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. Please provide a complete account history, including any charges added for collection activity. You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: NJ

Complaint narrative:
Here I am again, disputing the same credit bureauTransUnionfor its repeated and willful refusal to comply with federal law. Despite submitting multiple disputes and making clear, lawful demands for verification, TransUnion continues to report a fraudulent XXXX XXXX account ( Account # XXXX ) on my credit file without providing a single piece of legitimate documentation. This conduct violates multiple provisions of the Fair Credit Reporting Act, including 15 U.S.C. 1681b ( no permissible purpose ), 1681e ( b ) ( failure to ensure maximum possible accuracy ), and 1681i ( a ) ( failure to conduct a lawful reinvestigation ). I have specifically requested the original contract bearing my wet signature, the name and contact information of the creditor, the identity of the TransUnion representative who allegedly verified the dispute, a sworn affidavit under penalty of perjury from the party furnishing the information, and a detailed description of the procedures they use to ensure accuracy. None of these have been provided. Instead, TransUnion continues to send generic, automated responses that do not satisfy legal reinvestigation standards. Even more troubling, neither XXXX nor XXXX reports this account, raising serious concerns about the validity of TransUnions data and its compliance with federal accuracy requirements. TransUnion is knowingly reporting false, unverifiable information and has failed to remove it despite repeated noticethis is not just negligence ; it is willful noncompliance. Their agency has in fact committed AGGRIVATED IDENTITY THEFT and I've sustained defamation of character as a cause of this matter. Under 15 U.S.C. 1681n and 1681o, TransUnion is liable for statutory, actual, and punitive damages. I am asking the Consumer Financial Protection Bureau to intervene immediately, enforce compliance, and hold TransUnion accountable. This account must be permanently removed from my credit report, and I request written confirmation along with an updated report reflecting its deletion.

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 2025-03-21 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: IL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-03-21 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable re-investigation of dispute disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved the customer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward customer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputing outcomes these failures aligns with my experience where Experian has neither corrected nor remove disputed items despite the evidence operate it cause an ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account as Experian indication violates federal law in my rights as a consumer

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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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: FL

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate and potentially unlawful credit report entry that is affecting my financial standing. The details of the disputed account are as follows : Creditor : XXXX XXXX Account Number ( partial ) : XXXX Status : Closed Charge Off Issue Description This account is being reported inaccurately for the following reasons : Incorrect Charge-Off Reporting : According to my records, this debt was either settled, transferred, or otherwise resolved, and XXXX should no longer be reporting it as a charge-off. 
Failure to Maintain Accuracy ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) : Under the Fair Credit Reporting Act, data furnishers are required to report accurate information. If XXXX no longer owns or collects on this account, they are legally obligated to remove or update the tradeline to reflect a correct status. 
Lack of Proper Validation ( FDCPA Violation 15 U.S.C. 1692g ( b ) ) : If XXXX claims that this debt is still valid, they must provide proper documentation proving that they still have the legal authority to report and collect on this debt. 
Requested Resolution Based on the above, I formally request that XXXX : Immediately remove this charge-off from my credit report if they no longer have authority over the debt. 
Provide documented evidence proving the accuracy of this accounts reporting. 
Cease reporting any inaccurate or unverifiable information, as required under 15 U.S.C. 1681i ( a ). 


I expect a response within the legally mandated 30-day period, as outlined under the Fair Credit Reporting Act. Please advise on the corrective actions being taken. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate and potentially unlawful credit report entry that is affecting my financial standing. The details of the disputed account are as follows : Creditor : XXXX XXXX Account Number ( partial ) : XXXX Status : Closed Charge Off Issue Description This account is being reported inaccurately for the following reasons : Incorrect Charge-Off Reporting : According to my records, this debt was either settled, transferred, or otherwise resolved, and XXXX should no longer be reporting it as a charge-off. 
Failure to Maintain Accuracy ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) : Under the Fair Credit Reporting Act, data furnishers are required to report accurate information. If XXXX no longer owns or collects on this account, they are legally obligated to remove or update the tradeline to reflect a correct status. 
Lack of Proper Validation ( FDCPA Violation 15 U.S.C. 1692g ( b ) ) : If XXXX claims that this debt is still valid, they must provide proper documentation proving that they still have the legal authority to report and collect on this debt. 
Requested Resolution Based on the above, I formally request that XXXX : Immediately remove this charge-off from my credit report if they no longer have authority over the debt. 
Provide documented evidence proving the accuracy of this accounts reporting. 
Cease reporting any inaccurate or unverifiable information, as required under 15 U.S.C. 1681i ( a ). 


I expect a response within the legally mandated 30-day period, as outlined under the Fair Credit Reporting Act. Please advise on the corrective actions being taken. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation