vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am filing a dispute against XXXX XXXX XXXX for the collection account reported with a balance of {$3700.00}, originally opened on XX/XX/XXXX, and last reported on XX/XX/XXXX. The original creditor is listed as XXXX XXXX, and the account is classified as a Debt Buyers Account. 

As a third-party debt buyer, XXXX XXXX XXXX XXXX with FDCPA Section 809 [ 15 U.S.C. 1692g ] and FCRA Section 609 ( a ) ( 1 ) ( A ), which require them to provide : A signed contract or original agreement proving I owe the debt A full breakdown of how the {$3700.00} balance was calculated Proof of assignment/ownership from the original creditor Documentation of their legal right to report and collect this debt Despite these legal obligations, no validation of this debt was ever provided to me, and I did not receive any notice of transfer or proper opportunity to dispute prior to this negative reporting. 

Reporting this as a collection with a $ XXXX monthly payment, no past-due status on most bureaus, and without supplying validation is misleading and violates FCRA Section 602 ( a ) and Section 607 ( b ), which demand accurate, complete, and verifiable reporting. 

The balance is consistent across bureaus, but there is no record of payment activity, no evidence of effort to verify, and no legal proof that XXXX XXXX had standing to collect or report this debt. 

This is a debt buyers account, and the burden is on XXXX XXXX to prove its validity, not on the consumer to prove it false. I demand a full reinvestigation under FCRA Section 611, and if they can not provide documentation within 30 days, this item must be permanently deleted 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 2025-05-20 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 insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$5600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$37000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$6700.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$45000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OR

Complaint narrative:
The credit limit was very low as {$700.00}. 

They did not disclose the annual fee of {$170.00} will be charged within 6 months after the card was issued. The fee is almost XXXX  % of the credit limit and they will charge to added fee. The interest rate is very high and the balance goes up to the point that I will be not able to pay off. I am a XXXX senior citizen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
Experian is inaccurately reporting an erroneous XXXX payment in XX/XX/year> on my XXXX XXXX Bank account. I did not pay XXXX and this payment is not even being reported by XXXX nor XXXX, which proves that Experians reporting is inconsistent and inaccurate!! And its affecting my ability to obtain credit due to their negligence. XXXX is required to report only accurate and verifiable information. I am demanding that this item be immediately deleted from my XXXX file. This is a violation of federal law, and it is the bureaus responsibility to ensure the accuracy of the information they 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 explanation
Consumer complaint received 2025-05-20 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: WI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 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 2025-05-20 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: PA

Complaint narrative:
This morning, I was extremely upset to find an unauthorized inquiry on my credit report, and I have no explanation for how it got there. I always check my report routinely, and this sudden discrepancy was completely unexpected. I even refreshed my browser thinking it was a glitch, but the issue persisted. Im incredibly frustrated and I need the documents I submitted to be reviewed immediately so this stops being a source of 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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to verify the accuracy and validity of any disputed information within 30 days of receiving this notice. If the disputed information is associated with a data breach, the FCRA further requires that such information be deleted or blocked within 4 business days. Should verification prove impossible, you are required by law to remove the item from my credit report.

I have submitted a notarized affidavit affirming that my credit file contains fraudulent accounts and unauthorized inquiries. In light of this sworn declaration, I am formally requesting immediate corrective action to delete or block the disputed entries in order to prevent further harm and ensure full compliance with federal law. 

If you fail to verify the disputed information and continue reporting it in violation of the FCRA, I will have no choice but to seek legal remedies, including actual damages and declaratory relief, pursuant to FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of this statute is enclosed for your reference. This provision grants me the right to initiate legal proceedings in any competent state or federal court, including small claims court.

I trust you will fulfill your legal obligations and resolve this matter promptly.

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 2025-05-20 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: FL

Complaint narrative:
I am submitting this complaint regarding a hard credit inquiry that appeared on my report without my knowledge or consent. 

Details : Company : XXXX Inquiry Date : XX/XX/XXXXXXXX  Scheduled Removal Date : XX/XX/XXXXXXXX  Business Type : Mortgage Companies Address : XXXX XXXX XXXX, XXXX XXXX MI XXXX XXXX : ( XXXX ) XXXX I did not apply for a mortgage or authorize XXXX XXXX or its data vendor XXXX to access my credit file. This inquiry was made without my permission, and I request that it be removed immediately. This action violates : FCRA Section 604 Credit reports may only be accessed with consumer permission or for a permissible purpose

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 2025-05-20 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: FL

Complaint narrative:
I am submitting this complaint regarding a hard credit inquiry that appeared on my report without my knowledge or consent. 

Details : Company : XXXX Inquiry Date : XX/XX/XXXXXXXX  Scheduled Removal Date : XX/XX/XXXXXXXX  Business Type : Mortgage Companies Address : XXXX XXXX XXXX, XXXX XXXX MI XXXX XXXX : ( XXXX ) XXXX I did not apply for a mortgage or authorize XXXX XXXX or its data vendor XXXX to access my credit file. This inquiry was made without my permission, and I request that it be removed immediately. This action violates : FCRA Section 604 Credit reports may only be accessed with consumer permission or for a permissible purpose

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 2025-05-20 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: CA

Complaint narrative:
I was recently reviewing my Trans Union created report and noticed some inaccuracies on my credit report and items that I did not authorize or have any knowledge of this account or these inquiries? I would like an investigation into the matter. The collection account is.XXXX XXXX XXXXXXXX opened on XX/XX/year>XXXX  and the inquiries are XXXX XXXX  inquired on XX/XX/year>XXXX  and the second one is XXXX. Inquired on XX/XX/year>. I am also requesting a copy of all documentation used to verify The validity of these accounts. Anything using the investigation to verify these accounts if not, I want them immediately removed. Under FCRA section 605B

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: PA

Complaint narrative:
In XX/XX/year>, I started a XXXX plan. The company went bankrupt 2 months after I started treatment and shut down operations. They are permanently closed. I didn't receive full treatment. I recently noticed that TEK-Collect reported a collection account related to this on my credit. 

I was never properly notified of any outstanding balance or account being sent to collections. Since the company is now out of business and no services were completed or delivered beyond their closure, this account is invalid and unverified. 

I am disputing this entry as inaccurate and am requesting immediate removal from my credit reports. TEK-Collect has not provided any proof of a legitimate debt. I also dispute their right to collect on behalf of a bankrupt company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am filing a complaint against the U.S. Department of Education XXXX XXXX XXXX and the credit bureau for continuing to report a XXXX XXXX  loan account. 

On XX/XX/2025, I submitted a formal dispute and requested verification of this account under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ). 
I specifically asked for : The XXXX  signed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Full account and payment history No documentation was provided within the XXXX period. 

Under FCRA XXXX, a credit reporting agency must delete any account that can not be verified. This account remains on my report without valid proof and is negatively impacting my credit profile. 

I am requesting CFPB intervention to ensure deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: DC

Complaint narrative:
" I am writing to demand immediate action regarding the fraudulent items still on my credit file. While Ive noticed that some have been removed, there are still numerous items that remain, and I will not tolerate this negligence. I expect Experian, Equifax, and TransUnion to REMOVE EVERY SINGLE fraudulent entry that was opened without my consent, immediately. Below is the list of items that must be erased from my record, and I will not settle for anything less. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: KS

Complaint narrative:
ProCollect Inc located in XXXX, TX has continuously been harassing me without providing any proof of said debt. They sent me a letter on XX/XX/XXXX threatening to put a debt of {$750.00} on my credit report without providing proof of the debt or their signed contract showing authority to collect said debt. They have been calling every day and leaving voicemails on my phone for the past XXXX months. I sent a certified cease-and-desist letter by mail on XX/XX/XXXX which was delivered to someone physically at the address on XX/XX/XXXX. I demanded that they cease all communication to me until they provide documentation with itemized breakdowns of how I supposedly owe {$750.00}. Also proof that they have the authority to collect said debt, the original contracts between the creditor and I, and access to all payments made during the term that I lived there. The original creditor has refused to take my calls, answer my emails, or have any type of communication with me. The balance they are claiming that I owe is incorrect and inflated. I signed an agreed upon contract and paid in advance to break my lease XX/XX/XXXX without consequence. The document I signed said that I was liable for everything UP UNTIL my official move out date once the fee for breaking the lease was satisfied. Everything was paid up front. Then a year later I find out the creditor continued charging me until XX/XX/XXXX even though I was completely moved out of the unit by our agreed and signed upon date of XX/XX/XXXX. Then I also found out that the creditor had been double charging me for things that were already paid for and failed to properly credit my account what was owed upon move out. The original creditor shut me out of my account so that I could no longer access or see any of our previous signed documents, payments, or charges. The debt collector ProCollect Inc has FAILED to provide documentation or proof to not only myself but also to Experian and TransUnion. On top of that they have failed to abide by my cease-and-desist letter by CONTINUING to harass me with phone calls before showing any proof of the incorrect and absurd debt they are charging me and placed on my credit without my consent.

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 2025-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
In XXXX, I had family problem my husband who was in charge of paying bills, left the family with stopping paying bills and never mentioned about it. When I found out there were already few months that he did not pay. I call XXXX  XXXX as soon as I found the problem telling that I will pay it, please do not charge the late fee, the agent that was on phone promised/convinced me that no late charges will be charges if I pay what I owe, but he did not tell the truth. I paid all amount that I owed according bills, but late fee still was charged. When I called XXXX  XXXX back, they refused to take these charges off. All these and it was many, I paid my bills on time, but this late fee never was removed. Later XXXX  XXXX transferred my loan to Carrimgton, together with loan they transferred my late fee too. I call Carrington and explained them from where problems came, and begged them to removed it, because all this year I accurately was paing my bills on time, they told me to write letter to them with all explanation and they will disputed it. Unfortunately, Carrington refused to remove lat fee charge. I am almost paying Carrington mortgage service, LLC loan for 10 year and never was late, I believed that I proof enough that I am responsible person, that I did not create problem myself initially, so they could I understood my situation and be more sensitive to humal being. Please help me to waive late chrges from my loan statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief