vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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 reviewed my consumer reports and noticed that there was an inaccurate accounts on my credit reports. XXXX XXXX XXXX XXXX Account # XXXX date showing late XX/XX/year> Upon reviewing my consumer reports I discovered some instances of late payments on an account for which i have always maintained timely payments. Consumer reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time, as I have consistently upheld my payment obligations with out delay.

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 2025-04-09 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:
Today, while reviewing my credit report, I was shocked to see incorrect personal details listed, and I have no idea how they ended up there. I regularly check my report, so these mistakes were completely unexpected. I even reloaded the page to rule out a browser issue, but the inaccurate information remained. Therefore, I kindly request a thorough review of the documents Ive provided so this matter can be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in regard to an auto loan account. The details below outline the issue : Creditor Name : XXXX XXXX XXXX Payment status : In collections Remarks : Profit and loss write-off The vehicle associated with this loan was voluntarily surrendered and picked up on XX/XX/XXXX and has since been sold by the creditor to the best of my knowledge. 
Account states last payment was XXXX of XXXX after vehicle was returned. XXXX XXXX states this payment stated was from the vehicle being sold. 
Payoff correspondence with amount due after vehicle was sold has been requested and not provided. 

Last update I can see on my account is XX/XX/XXXX. 


Why This Is Inaccurate : An account that has been voluntarily surrendered, charged off, and sold should no longer be reported as open. Reporting it as such is misleading and inaccurate, and could be considered a violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit information be reported accurately and fairly.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) standards. Due to the XXXX data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: NJ

Complaint narrative:
This company tried to scam me to pay them and will not tell what it is for and i have been in hurricane ( Natural Disaster ) all my info was displace and my ID was used and i had many of company on my report all have been removed this XXXX company keep showing on my credit reports for XXXX The name scamming company is Zion Debt Holdings. i really need help and them removed from my report. they keep calling trying to get me to pay percentage to have it remove off my credit profile it is like this company has me hostage. They are hurting credit profile to allow me to recover from all my hardships.. i do not know these people and know body ever told me what product are business i ever did with them. can not truly fight because i do not even know why i owe them. this all start from displacement identity thieved. I was displaced in 2021 from XXXX XXXX this company is a scammers or bought identity thieved bad account and keep hold me accountable. ZION DEB.T HOLDINGS ARE SCAMMING PEOPLE

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: MA

Complaint narrative:
Upon requesting they validate the debt. I received documentation on XX/XX/XXXX with only half of what is required for debt validation. They did not provide an original contract showing an obligation to agreement and terms. Upon reviewing the documents it was noticed they have two different account numbers listed, which is also different then the ones they are reporting to the credit bureaus along with a payment history that was inaccurate as its showing a payment made AFTER date of delinquency in what appears to be an attempt to prolong the statute of limitations. I have made repeated attempts to get the account removed off my credit reports as they continuously harass me by reporting false and misleading information that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

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 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 2025-04-09 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: FL

Complaint narrative:
Upon checking my credit report today, I discovered some incorrect personal information that I cant explain. Since I routinely monitor my report, these errors came as a complete surprise. I even refreshed the browser just in case, but the wrong data remained visible. Im requesting that you carefully review the documents Ive submitted to ensure this issue is resolved for good.

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 2025-04-09 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law..

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 2025-04-09 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Earlier today, I discovered some false accounts on my credit report, which was very confusing since Ive never seen them before. I usually check my report without any issues, but this time was different. I thought it might just be a display problem and refreshed my browser, but the accounts were still there. I kindly ask that the documents I sent be thoroughly reviewed to ensure this doesn't continue to be a source of stress for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved.I request investigation and removal of these items, as it incorrect and does not reflect my true credit history. I do not have a contract nor did I authorize this company to obtain my information, my rights to privacy was violated under the FDCPA & FCRA. UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ), SECTION 15 U.S.C 6802. ALL INCORRECT INFORMATION THAT DOESNT BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was opened XX/XX/year> with the amount {$930.00}. ABOVE INCORRECT INFORMATION DOESN'T BELONG TO ME MUST BE REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/year>, I experienced my first-ever missed payment with Wells Fargo XXXX XXXX of my credit card accounts. This was due to an unforeseen personal circumstance and was never intentional. Until that point, I had a flawless history of on-time payments and have maintained a positive relationship with the bank for years. 

As soon as I realized the oversight, I promptly brought the account current and have stayed in good standing since. I have made multiple goodwill requests to Wells Fargovia letter and phoneto ask for a one-time late payment removal, given my otherwise perfect record. Unfortunately, all of these have been denied, even though the request was based solely on good-faith history and not a dispute of the validity of the payment.

This single late payment has significantly affected my credit score and financial situation, despite being an isolated incident in a long history of responsible credit use. I respectfully request that Wells Fargo consider removing this negative mark as a goodwill gesture. 

I am a single mother going through a divorce. I'm not asking for any financial compensation or forgiveness, simply the opportunity to recover from a one-time error. This would make a significant impact on my ability to rebuild and maintain strong financial health. I have paid off my credit card to Wells Fargo and will make sure this never happens again.

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 2025-04-09 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: GA

Complaint narrative:
Subject : Urgent Dispute of Inaccurate Late Payments on My Credit Report To Whom It May Concern, I am writing to urgently dispute several inaccuracies on my credit report related to the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It has come to my attention that these accounts reflect late payments, which are not only incorrect but also damaging to my financial reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and it is your responsibility to ensure that my credit report reflects accurate and truthful information. 
According to the FCRA, creditors must report accurate information, and the late payments recorded on these accounts are erroneous. I have documented evidence proving that all payments were made on time, and therefore, the late payment entries must be deemed inaccurate and updated to reflect " paid on time. '' The presence of these inaccuracies on my credit report has caused me undue stress and financial hardship, preventing me from securing necessary loans and credit. This is unacceptable, and I am demanding immediate attention to rectify this situation. 
I am formally requesting that you investigate these accounts and remove the late payments promptly. I expect a written response detailing the outcome of your investigation and any updates made to my credit report. 
Please treat this matter with the urgency it deserves. I trust that you will prioritize this dispute in accordance with the FCRA guidelines and restore my credit report to an accurate and fair reflection of my payment history. 
Thank you for your immediate attention to this critical 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 non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
Subject : Urgent Dispute of Inaccurate Late Payments on My Credit Report To Whom It May Concern, I am writing to urgently dispute several inaccuracies on my credit report related to the following accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX It has come to my attention that these accounts reflect late payments, which are not only incorrect but also damaging to my financial reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information, and it is your responsibility to ensure that my credit report reflects accurate and truthful information. 
According to the FCRA, creditors must report accurate information, and the late payments recorded on these accounts are erroneous. I have documented evidence proving that all payments were made on time, and therefore, the late payment entries must be deemed inaccurate and updated to reflect " paid on time. '' The presence of these inaccuracies on my credit report has caused me undue stress and financial hardship, preventing me from securing necessary loans and credit. This is unacceptable, and I am demanding immediate attention to rectify this situation. 
I am formally requesting that you investigate these accounts and remove the late payments promptly. I expect a written response detailing the outcome of your investigation and any updates made to my credit report. 
Please treat this matter with the urgency it deserves. I trust that you will prioritize this dispute in accordance with the FCRA guidelines and restore my credit report to an accurate and fair reflection of my payment history. 
Thank you for your immediate attention to this critical issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates, is reporting an account on my credit report that is well past the 7-year legal reporting limit established by the Fair Credit Reporting Act ( FCRA ) .The original debt was with XXXX XXXXXXXX XXXX XXXXXXXX and became delinquent between XXXX and XXXX. Despite this, the account is being reported with a false date opened of XX/XX/XXXX by Portfolio Recovery Associates, which is a clear violation of FCRA Section 605 ( a ). This is an example of re-aging, where the collection agency resets the clock on the delinquency to make it appear more recent.I have previously disputed this information with the credit bureaus, but they marked it as meets FCRA requirements without addressing the fact that it is being reported beyond the 7-year limit. This continued reporting is damaging my credit and is not compliant with federal law.I am requesting that the CFPB investigate this matter and require the credit bureaus and Portfolio Recovery Associates to remove this account immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
My Chex systems consumer report continue to contain fraudulent information. I never opened a bank account with XXXX XXXX bank ending in XXXX or did any business with that bank. There are also numerous inquiries on my Chex systems report from XXXX XXXX and banks. They are from XXXX credit, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and axos bank. I dont know who have my information but they have been trying to open accounts in my name.Also someone continuously trying to log into my XXXX account. Please take this serious and delete all information regarding my concerns.

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