vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to dispute several items on my TransUnion credit report. The accounts listed below are reporting inaccurate, incomplete, or unverifiable information, violating FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( a ) ( 1 ) ( A ) ( duty to reinvestigate ).

Please conduct a full reinvestigation and delete each item that can not be verified with complete accuracy. 
ACCOUNTS TO INVESTIGATE & DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Charge-Off ) * * Conflicting dates of last activity and charge-off indicators.

Incomplete monthly history reporting.

Account sold ; furnisher no longer has firsthand records.

Violates 1681e ( b ) for inconsistent/obsolete data. 
Requested Action : Delete the tradeline entirely. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Charge-Off ) * * Balance reporting {$160.00} post-charge-off, which is inconsistent. 
Missing data fields month-to-month. 
DOFD inconsistent across bureaus. 
Requested Action : Delete the tradeline for incomplete reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * ( Charge-Off ) * * Reporting multiple charge-off notations with inconsistent dates. 
Contains dispute comment but still inaccurate. 
Violates 1681e ( b ) due to internal contradictions. 
Requested Action : Delete the tradeline for failure of accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ) * * Reported late despite payment record showing activity inconsistent with late markers. 
Dates conflict across bureaus. 
Requested Action : Remove late payment and correct to Paid/On-Time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) * * Reported late while showing no past-due balance. 
Incomplete payment grid violates 1681e ( b ). 
Requested Action : Remove late payment. 
XXXX. XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Day Lates ) * * Late markers do not match payment dates. 
Conflicting reporting across bureaus. 
Requested Action : Remove late payments. 
XXXX. PERSONAL INFORMATION CLEANUP Please delete inaccurate or outdated identifiers : Remove old addresses ( XXXX XXXX XXXX XXXX XXXX ). 
Remove outdated/incorrect employer entries. 
Keep only : 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by 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 explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
AmSher Compassionate Collections Hired XXXX XXXXXXXX XXXX XXXX XXXX XXXX to collect a debt on their behalf for XXXX XXXX Neither company is licensed in the state of XXXX which I've already reported it to the XXXX Attorney General 's office. They are trying to collect on a debt that I do not owe I've talked to both of them I have recorded conversations with them the law office said they're gon na continue to call after I told them to cease and desist. I explained to both of them I do not owe this bill I had talked to the law office back in XX/XX/year> they told me I was all good to go and now they have reported to my credit report for a bill I do not owe. I have spoke to XXXX they are working with me to get this resolved but as for these other XXXX companies they are illegally trying to collect something and they are not licensed here in the state of 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I had sent a debt verification letter to experian on a collections on my report. 

Under the FDCPA ( 15 U.S.C. 1692g ), if a debt collector contacts you about a debt, they must send you a written notice ( often called a " dunning letter '' ) within five days of that initial contact. This notice must include : The amount of the debt. 
The name of the creditor to whom the debt is owed. 
A statement that you have 30 days to dispute the debt, or it will be assumed valid. 
A statement that if you dispute the debt in writing within 30 days, the collector will obtain verification of the debt and mail it to you. 
A statement that if you request the name and address of the original creditor within 30 days, the collector will provide it. 

Your Power Move : The Debt Validation Letter You have a XXXX window from the date you receive the initial notice to send a written request for debt validation.This is not an admission of guilt ; it is you exercising your legal right to make the collector prove you owe the debt and that they have the legal right to collect it. 

Crucial Point : If you send a timely debt validation letter ( within 30 days ), the debt collector must cease all collection activity until they have mailed you the verification. 

-- - What Must Be Given to You for Proper " Validation ''? 

The FDCPA does not provide a precise, itemized list of what constitutes sufficient validation. However, based on court rulings and industry standards, proper validation should go far beyond a simple statement that you owe the money. 

To be considered valid, the information provided should allow you to meaningfully contest the debt. A collector fulfilling their legal obligation should provide you with items such as : XXXX. Proof you owe the debt : A copy of the original signed application or contract. 
XXXX. Itemized Accounting : A detailed breakdown of the debt, including the original principal, all interest charges, and all fees, showing how the current amount was calculated. 
XXXX. Chain of Title : Documentation proving the collection agency has the legal right to collect the debt. If they purchased the debt, this would be a copy of the " Bill of Sale '' or similar document. 
XXXX. Name and Address of the Original Creditor : This is especially important if the debt has been sold multiple times. 
XXXX. Account Information : The original account number and the date of the last payment ( which is crucial for the statute of limitations ). 

None of this was provided to me in the response. At this time i want experian to erase so debt from my records and pay me now XXXXXXXX XXXX  for breaking the law and not providing the information needed.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because TransUnion is reporting information I believe is inaccurate or unverified. I disputed these items directly with TransUnion, but they remain without proper validation. 

CHARGED-OFF ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not believe this account is accurate, and TransUnion has not provided verification proving its validity. 

INQUIRIES I do not recall authorizing the following hard inquiries and request proof of permissible purpose : 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 I dispute this late payment as inaccurate and unverified. 

I request that TransUnion validate these items or delete any information that can not be fully verified under the FCRA.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject : Formal Dispute XXXXXXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and unverifiable information being reported on my Experian credit report regarding my XXXXXXXX XXXX XXXX mortgage account # XXXX. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), Sections 602 ( A ), 607 ( B ), 609, and 611, and references FHA servicing rules regarding accurate reporting of payment history.

Disputed Items 1. XX/XX/XXXX XXXX Late Payment XXXX reports a XXXX late payment for XX/XX/XXXX. This is inaccurate and unverifiable. 
XXXX XXXX has not provided documentation proving that a delinquency occurred in compliance with FCRA, ECOA, RESPA, or FHA servicing guidelines. 
FHA rules and servicing guidance require accurate payment reporting and proper notice of any delinquency. In the absence of verifiable documentation, this entry is false, misleading, and must be removed. 
2. Account Status Transferred, Closed The account is reported as Transferred, closed as of XX/XX/XXXX. This is incomplete and potentially misleading without identifying the successor lender or providing the correct closure date. 
Under FCRA Section 607 ( B ), consumer reporting must be complete and accurate. 
XXXX. XXXX XXXX The account does not include the updated balance, the current status with the successor lender, proper closure coding, or a complete payment history. 
Incomplete or unverifiable information must be corrected or deleted under FCRA Sections 609 and 611.

Requested Actions 1. Conduct a full reinvestigation of this tradeline with XXXXXXXX XXXX. 
2. Verify all disputed items with actual documentation ; do not accept unverifiable data furnisher statements.

3. Remove or correct the XX/XX/XXXX late payment if XXXX Bank can not provide verifiable proof. 
4. Correct the incomplete Transferred/Closed reporting and include any successor lender information.

5. Provide an updated Experian credit report once corrections are made. 


Highlighted copy of the disputed tradeline showing the XX/XX/XXXX late payment Please complete this investigation within the XXXX statutory period required under federal law. If verification can not be provided, I expect the immediate deletion of the disputed entries. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have months with my account closed without any explanation or prior notice from this bank, I have my money deposited before of closure is cleared long time ago and at this time is waiting for my refund check to be received as per according terms, rules and rights on our contract of bank and consumer, they have many time with my money held without any explanation, already contacted many times and inclusive go to a branch for able to fix this but no solution are obtained so kindly request attention on this unfair situation and just need cooperation from this bank to fix this and finally obtain my refund check on my address on file, I need escalation for this situation and please send my refund check to the correct address on your records that are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you have this address on your records so this is the correct address for my refund check to be sent...

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Record type XXXX XXXX  bankruptcy discharged Date filed XX/XX/year> Reference number 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please go through these materials ; the inquiries showed up without notice and could be unapproved.

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 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
I am filing this complaint regarding the handling of my mortgage loan modification application by XXXX Mortgage. 

On XX/XX/year>, I submitted a loan modification application to XXXX Mortgage and provided all requested documentation. Despite timely submission and my ongoing cooperation, I received a denial notice dated XX/XX/year>. The servicer advised that my mobile home was not eligible for any loan modification or loss-mitigation options and that the only way to avoid further legal action or repossession was to fully reinstate the account. 

Throughout this process I have experienced substantial communication breakdowns and significant stress and uncertainty about my housing situation. My loan became delinquent as a direct result of extraordinary financial burdens, including the birth of a preterm infant who remains in the XXXX. In addition, recent immigration-related expenses depleted our household funds. Since then, our financial situation has improved and I have provided documentation showing my ability to resume regular payments. 

I believe XXXX Mortgage did not fairly evaluate my circumstances or give appropriate consideration to my updated financial information. I submitted all requested documents in good faith and am prepared to meet my payment obligations, but I have not been provided adequate guidance, a fair re-evaluation, or a written explanation addressing my appeals. 

I request that the CFPB intervene and require XXXX Mortgage ( and XXXX XXXX, if they are involved in the servicing or decision-making for my loan ) to do the following : XXXX a full, good-faith re-evaluation of my loan modification application. 

Consider and give appropriate weight to the updated financial documentation I submitted, including evidence of my improved income and ability to resume payments. 

Provide a clear, written explanation of the review process and a written determination based on a fair assessment of the facts. 

This matter is urgent. I wish to resolve my mortgage delinquency and avoid further financial and legal consequences. I respectfully request that the CFPB ensure my application is reviewed accurately, fairly, and in accordance with applicable laws and servicing guidelines. 

Thank you for your attention to this matter. I appreciate any assistance you can provide to facilitate a fair review of my loan modification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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