vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Subject : Update Regarding Pressler & Presslers Misleading Letter and Objection to My Motion for Misrepresentation and Misconduct Dear CFPB, I am submitting an update to my previous complaint regarding a misleading letter from Pressler & Pressler, which falsely claimed that my filing had not been accepted or filed by the court. The letter, dated XX/XX/year>, was sent after my answer was uploaded to the courts system on XX/XX/year>. 

In their response, Pressler & Pressler claims that the letter was sent as a courtesy and that it was directed only to me, not the court, which they argue means there was no misrepresentation. I strongly disagree with this defense. The fact remains that the letter misrepresented the status of my filing, regardless of who it was sent to. Even though the letter wasnt directed to the court, it still misled me by claiming my filing had not been accepted or filed. This caused unnecessary confusion, and undermined my confidence in the filing process.

Key Updates : Pressler & Presslers attorney checked the courts electronic docket on XX/XX/year>, a full day before the filing was processed by the court. This premature check led them to incorrectly claim that my filing had not been accepted or filed. 

The letter from Pressler & Pressler, dated XX/XX/year>, falsely stated that my filing was not accepted or filed, despite the fact that the court had successfully uploaded my filing on XX/XX/year>. 

Pressler & Pressler argues that because the letter was sent to me and not the court, there was no misrepresentation. However, this argument is misleading. Even though the letter was addressed to me, it still misrepresented the status of my filing by falsely claiming it hadnt been accepted. This caused unnecessary confusion on my part, undermining my confidence in the filing process and potentially delaying the case. As a seasoned legal firm, Pressler & Pressler should have known better than to send such a letter without verifying the courts updated docket, and their premature statement amounts to misrepresentation regardless of the recipient.

This action by Pressler & Pressler has caused unnecessary confusion. It appears to be a deliberate attempt to mislead me and create doubt about the validity of my filing, even though it had been successfully processed by the court.

I respectfully request that the CFPB consider this new information and take appropriate action, as the actions of Pressler & Pressler seem to be part of an ongoing effort to mislead and delay the proceedings. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
In XX/XX/XXXX, I noticed a collection account from Transworld Systems Inc. for {$4600.00} tied to a former lease at XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX ). This debt is erroneous and was never validated or lawfully assigned. I have attached a signed lease agreement, a final financial move-out statement, and other supporting evidence showing no legitimate basis for this collection. The lease ended XX/XX/XXXX, and no further charges were owed. Yet this debt appeared on my credit report in XX/XX/XXXX without any prior billing, notice, or proof. 

Attempts to obtain a full itemized breakdown, verification of debt ownership, and proof of licensing to collect in Texas have been ignored. No chain of custody documentation was provided per 15 U.S. Code 1692g and 1692e of the FDCPA, nor any notification as required by the FCRA.

This is a clear violation of my consumer rights and may constitute illegal furnishing of inaccurate data under the FCRA and FDCPA. I am requesting immediate deletion of this account and that Transworld Systems Inc. cease further reporting and collection activity until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, and Experian for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these credit bureaus have failed to provide me access to my free annual credit reports, allowed unauthorized inquiries on my credit report, and denied me the ability to dispute inaccuracies, despite my repeated attempts over the past two years.

Under the FCRA, I am entitled to access my credit reports for free annually through XXXX and XXXX  online. However, for the past two years, I have been unable to access my reports through their websites. The bureaus have not provided any option or mechanism to view or dispute errors, which violates my rights under 15 U.S.C. 1681g.

Additionally, my credit reports contain multiple inquiries that I did not authorize. These inquiries were made by companies to whom I did not provide consent, indicating that my personal information was improperly shared. I have attempted to dispute these inaccuracies with all three bureaus multiple times over the past two years, but they have failed to investigate or remove the unauthorized inquiries, in violation of 15 U.S.C. 1681i. This has caused me significant distress and potential harm to my creditworthiness.

I have made good-faith efforts to resolve these issues directly with XXXX XXXX and Experian, but they have not addressed my concerns or provided the required access to my reports. 

Experian Credit Bureau : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Immediate removal of all unauthorized inquiries from my credit reports. 

Restoration of my ability to access my free annual credit reports online from XXXX and XXXX. 

I feel the violations have lasted over the time was given and the matter was never investigated and my rights as a consumer have been violated. 














XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
On XX/XX/XXXX I logged into my Wells Fargo XXXX and saw that I had an additional deposit of {$1400.00} into my acct. What I now know is that they were transferring $ from my daughter 's minor account to mine, as her account was initially set up as a minor account years ago. I assumed it was possible a tax incentive from the IRS from years ago during XXXX that possibly I didn't receive. Not less than an hour later, a person claiming to be a Wells Fargo representative called me and told me that they suspected suspicious activity. I was asked to verify my acct with address, last XXXX of social, birthday. The person on the line was able to review all of my charges out loud, as obviously now they had hacked into my acct. I did not know this at the time. They knew exactly what I had spent, deposited, etc, so I was convinced it was the real fraud department from Wells Fargo. I was then advised to get a new card and pin number. They asked me to " discretly '' put in my pin into my keypad so that I could verify the password, so that they could send me a new card and pin #. It was a legit Wells Fargo number XXXX ( XXXX ) XXXX. You can call and even listen to it and it sounds like its the real deal. Turns out this isn't a real Wells Fargo number, it is a spoof number. I made every claim I could, called Wells Fargo many times and patiently waited for XXXX business days until the fraud claim was investigated. I just found out today that they found no evidence of fraud, and they were even unable to tell me how they investigated this. I asked them if they reviewed the ATM videos of where the XXXX, {$2000.00} withdraws, were taken from. They told me that they couldn't give me any information on the investigation over the phone and would send me something via mail within 30 days.

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 monetary relief
Consumer complaint received 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX BOD : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dispute of Collections Account on Credit Report Dear CBP Complaint Department I am wirting to file a complaint against XXXX XXXX XXXX regarding a collections account that continue to appear on my credit report despite my previous communications with them to resolve this matter. I have already contacted XXXX XXXX XXXX many times regarding this account despite my efforts and the resolutions we reach, this account continues to appear on my credit report from XXXX XXXX XXXX XXXX This inaccurate reporting has negatively affected my XXXX XXXX and my ability to obtain credit to secure housing, employment opportunities, etc. This situation has caused me significant finacial hardship stress.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Collections Account on Credit Report Dear CBP Complaint Department I am wirting to file a complaint against XXXX XXXX XXXX regarding a collections account that continue to appear on my credit report despite my previous communications with them to resolve this matter. I have already contacted XXXX XXXX XXXX many times regarding this account despite my efforts and the resolutions we reach, this account continues to appear on my credit report from XXXX XXXX and XXXX. This inaccurate reporting has negatively affected my credit score and my ability to obtain credit to secure housing, employment opportunities, etc. This situation has caused me significant finacial hardship stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
please see previous dispute Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX SSN ( Last four ) XXXX Account being disputed XXXX XXXX XXXX # XXXX Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( 3 mos ) Account status Open Type Unpaid Responsibility Individual Account. Remarks Consumer disputes- reinvestigation in progress Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I asked to be provided the previous information regarding this account. I also have submitted a FTC Report in regards to this case

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 2025-05-06 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: WI

Complaint narrative:
please see previous dispute Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX SSN ( Last four ) XXXX Account being disputed XXXX XXXX XXXX # XXXX Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( 3 mos ) Account status Open Type Unpaid Responsibility Individual Account. Remarks Consumer disputes- reinvestigation in progress Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I asked to be provided the previous information regarding this account. I also have submitted a FTC Report in regards to this case

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 2025-05-06 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:
I am writing to dispute a fraudulent account that appears on my credit report. The account, listed under XXXX XXXX XXXX with account number XXXX, is not mine. This account is fraudulent, and I have never had any dealings with XXXX XXXX regarding this matter. 

Under FCRA 605b ( 15 U.S.C. 1681c-2 ), I am requesting that this information be blocked and permanently removed from my credit file. I have attached the following documents to support my dispute : t

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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DE

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

Company 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 2025-05-06 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: PA

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : XXXX XXXX XXXX validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ). Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-06 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: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation