vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-16 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: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems for violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The company has reported inaccurate, incomplete, and/or unverifiable information to the credit reporting agencies, causing harm to my creditworthiness and financial reputation. 
________________________________________ Details of the Violation : XXXX. Failure to Report Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ) : Jefferson Capital Systems is furnishing information to credit reporting agencies that is inaccurate, misleading, and not verified. I dispute the alleged debt, and the company has failed to ensure accuracy before reporting it. 
XXXX. Failure to Investigate My Dispute ( 15 U.S.C. 1681i & 1681s-2 ( b ) ) : After disputing the account, Jefferson Capital Systems did not conduct a reasonable investigation within the required XXXX timeframe. The company also failed to provide me with evidence that the alleged debt is valid or belongs to me. 
XXXX. Failure to Provide Validation of Debt ( related to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, which overlaps in practice ) : Despite my request for validation, Jefferson Capital Systems has not provided original account documentation or proof that they have legal right to collect the alleged debt. 
XXXX. Continued Reporting of Disputed Debt ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) : The company continues to report the debt as if it is valid in violation of my rights under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are late payment records listed on my credit report that I believe are inaccurate. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, all data included in my report must be accurate, complete, and capable of verification. I am requesting that each of these late payment entries be investigated and verified. If verification is not possible, I respectfully request that they be corrected or removed entirely.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Portfolio, Inc.
State: TX

Complaint narrative:
I want you to send me a detailed list of the history of payments made by me on this account I want to see the signature that I put on a contract guaranteeing that I would pay this creditor XXXX asking to see has their been any insurance claim found on this debt and lastly I want proof that you have a chain of title to collect on this debt citing 15 USC 1692 G if you believe that you sent proper notification please provided certified mail with recipient displaying my signature. If not please delete account # XXXX from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-09-16 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: SC

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 non-monetary relief
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: JNR Adjustment Company, Inc
State: FL

Complaint narrative:
Subject : Formal Dispute of Alleged Bill Lack of Notice, Proof, and Failure of Company to Respond I am writing to formally dispute the alleged bill recently provided to me in PDF format. For the record : 1. This is the first time I have ever seen this document. I have never previously received this bill in any form. 


2. The PDF contains no mailing address for sending payment, no telephone number, and no email contact information. It is therefore impossible to determine how or where payment was supposed to be made. 


3. The bill was not sent by certified mail or by any other verifiable delivery method. There is no proof whatsoever that I ever received it.

4. I have made repeated good-faith attempts to resolve this matter directly with People Gas and jNR Specifically I called your company at XXXX multiple times. Each call went unanswered and went to voicemail ( for XXXX XXXX ). No calls were ever returned. 

I sent email correspondence to the company. These emails were ignored, and I received no response. 

I am attaching evidence of my attempts to call and email for your records. 




Given these facts, I must ask : How is a customer supposed to pay a bill to a company that does not provide any payment instructions, does not respond to phone calls, and ignores all written correspondence? 

Until JNR can provide verifiable evidence of : How and when this alleged bill was properly delivered to me ; Where, specifically, payments were to be mailed or made ; and Why no responses have been provided to my repeated phone calls and emails, I dispute this bill in its entirety and assert that no fault lies with me for nonpayment. I have acted in good faith, and the companys failure to provide clear notice and reasonable access to payment channels is solely responsible for this situation JNR never respond to email and never respond to any phone calls.

Absent a response, I will consider this matter unresolved due toJNR lack of compliance and good-faith communication.

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 2025-09-16 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: OH

Complaint narrative:
This is not a mistake my credit report contains clear inaccuracies that must be addressed. These errors are causing significant and ongoing harm to me, both personally and financially.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I was contacted by an individual calling from ( XXXX ) XXXX who told me they were from Wells Fargo and asked if I recognized a transaction made with XXXX XXXX  at a XXXX  in Texas. I did not and they said they were going to transfer me to someone else. This other individual, still at the same number in my caller-id, said that I needed to transfer money to my phone so I could still be able to pay with things while they changed my account. They had me transfer all my savings to my checking account and then I was told to put {$4000.00} into some XXXX XXXX card. They also put some XXXX XXXX on my phone. They used Wells Fargo 's own text message alerts against me, authorizing these transfers. I had to leave to go to a doctor 's appointment, realized I should check with my bank if this was a scam, and then was told I was scammed. 

I was given a claim number with Wells Fargo of XXXX and told to wait 10 business days. In the mean time, I was texted and then called by another Wells Fargo impersonator at XXXX. The stress caused by these scams has negatively impacted my quality of life and Wells Fargo has told me that it is unlikely I will receive any funds back. I will need to get a second job in addition to my full time job to earn back what I had saved.

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 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: IN

Complaint narrative:
XX/XX/XXXX I got a home insurance quote through XXXX XX/XX/XXXX I told XXXX I did not want the policy as it was double our current policy which wasnt set to expire u til XX/XX/XXXX and would renew then with universal property insurance. 
XX/XX/XXXX five days after cancelling the XXXX policy and I also never advised Village Capital and Investment we wanted to change insurance policies, village capital paid the inactive insurance policy in the amount of {$2200.00} XX/XX/XXXX I was made aware that our mortgage payment would go from {$790.00} a month to {$1300.00} a month. I was only made aware through logging into our portal to make a payment. 
XX/XX/XXXX I sent an email requesting they credit our escrow the erroneous amount of {$2200.00} XX/XX/XXXX ( 39 days later ) after sending numerous emails I finally received a response back that they had an influx of mail and things got mixed up and that they paid the cancelled policy. They said due to this, we have a negative escrow balance of {$3700.00} with an increase in property taxes, two insurance policies and also a new insurance policy since due to them paying XXXX that was not active, our previous active policy was dropped due to non renewal when it was supposed to renew. 

Again, I never advised of the change and we never wanted the XXXX policy put in place. We had our active policy and wanted to keep it as that. We would never ok a policy of the same coverage and {$1100.00} more expensive. Village Capital is refusing to fix this even though they admitted in email that it was a mix up due to the influx of mail received. They never reached out to clarify the policy, never asked if we wanted to have two active policies ( again our original insurance from buying the home was in place since XXXX and not set to renew for another almost 4 months ) and they are saying we owe this amount. Furthermore, a refund check was issued, but I never received it and XXXX said our loan serviced should refund the policy amount in full while they investigate this. Village Capital still refuses, even though it was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-09-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am disputing a {$7200.00} collection reported by Professional Debt Mediation for XXXX at XXXX XXXX  ( XXXX XXXX  ). I do not owe this debt as alleged, and the collector has failed to provide sufficient information to verify it. 

To date, I have not received : 1. A signed lease or contract bearing my signature that establishes liability. 
2. An itemized accounting of the charges making up the balance. 
XXXX. Proof that Professional Debt Mediation has the legal right or assignment to collect this debt. 

Despite my dispute, this account continues to report as Placed for collection / Account information disputed by consumer ( see XXXX XXXX ). Under FDCPA 809 and FCRA 611, reporting and collecting on an unvalidated debt is inaccurate, incomplete, and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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