vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXTransunion XXXX XXXX XXXX, PA XXXXRe: US Dept of EDXXXX XXXXSubject: Final Demand for Immediate Deletion of Inaccurate Accounts  FCRA Violations & CFPB Complaints FiledXXXXTo Whom It May Concern,\n\nThis is my final and formal demand for the immediate deletion of all accounts and entries you are reporting inaccurately on my credit file. The continued reporting of false, unverified, and damaging information is a direct and willful violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seqXXXXI have already filed formal complaints with the Consumer Financial Protection Bureau (CFPB) against your agency for these violations. These complaints will be included as part of my record in any legal proceedings against you.\n\nUnder 15 U.S.C.  1681i(a), you are required to conduct a reasonable reinvestigation of disputed items within 30 days. If you cannot provide full, documented proof from the original creditor that the accounts are 100% accurate, you are legally obligated to delete them immediatelynot update, not correct, but delete.\n\nYour obligations under 15 U.S.C.  1681e(b) to ensure maximum possible accuracy are non-negotiable. Continuing to publish false or unverifiable data constitutes willful noncompliance under 15 U.S.C.  1681n and negligent noncompliance under 15 U.S.C.  1681o, both of which carry statutory damages, attorneys fees, and court costs.\n\nThis letter is not a requestit is a demand:\n\t1.\tRemove all accounts you are reporting inaccurately from my credit file immediatelyXXXXProvide me with written confirmation of each deletionXXXXCease all future reporting of any unverifiable or inaccurate data.\n\nFailure to comply in full within the FCRAs mandated timelines will result in immediate escalation, including legal action in federal court for every individual violation, in addition to my already pending CFPB complaints.\n\nThis correspondence is being sent via Certified Mail  Return Receipt Requested to establish the date of your receipt and to hold you accountable to the federal deadlinesXXXX 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal informations are being reported are inaccurate. Ive provided proof and ask that you delete them from my credit file without 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 explanation
Consumer complaint received 2025-08-15 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: AL

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 2025-08-15 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was unable to view my billing statements from XXXX to XXXX on the XXXX XXXX website. Since these records are more than XXXX years old, I needed to contact customer service for assistance. 

I called the number on the back of my XXXX XXXX and spoke with an agent to request copies of my statements from XXXX to XXXX, asking for them to be mailed to my home. However, the copies I received only included the first XXXX months of my billing statements for that period. 

I called again, and the agent informed me that they no longer had records of my billing statements from over XXXX years ago. I requested to speak with a supervisor, and after some time, my statements were found. I was assured that I would receive a copy in the mail. It has now been over a month, and I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Formal Dispute of Inaccurate Information FCRA 611 Account in Dispute : LVNV Funding LLC Account No. XXXX Because this collection account can not be verified or is inaccurate in detail, the credit bureau must remove it under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Possible Financial Inc
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Date : XX/XX/year> Possible Financial Inc XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX Phone : XXXX Re : Cease and Desist Account No. XXXX To Whom It May Concern, I am writing regarding the above-referenced account, which you claim is associated with my name. I dispute the validity of this alleged debt and demand that you immediately cease and desist from any and all communication with me regarding this matter, except as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c. 

This letter serves as formal notice that : I do not acknowledge or admit to owing any debt to Possible Financial Inc. 

I request that you provide, in writing, full validation of the alleged debt, including the original signed agreements and complete account history. 

You are to stop all further contact with me by phone, email, or any other method, except to provide the requested debt validation or to inform me of specific legal action you intend to take. 

Failure to comply with this request may result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, and I may pursue all legal remedies available to me. 

Please note that any attempt to report this alleged debt to any credit reporting agency without proper validation will be considered a violation of the Fair Credit Reporting Act ( FCRA ) and will be addressed accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: AZ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute the accuracy and continued reporting of the above-referenced account on my credit file. 

This account was originally opened in XXXX and became delinquent in XXXX for {$2600.00}. It was subsequently charged off in its entirety and is now beyond the applicable statute of limitations for collection under governing law. Continued reporting of this account is inaccurate, outdated, and misleading. 

Under the Fair Credit Reporting Act, you are required to ensure all information you report is accurate and not obsolete. As this account is past the allowable reporting period for negative information, I demand its immediate removal from my credit report. 

Please investigate this matter, correct the inaccuracy, and provide me with written confirmation of the deletion within 30 days, as required 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 2025-08-15 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: GA

Complaint narrative:
To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to formally dispute the accuracy and continued reporting of the above-referenced account on my credit file. 

This account was originally opened in XXXX and became delinquent in XXXX for {$2600.00}. It was subsequently charged off in its entirety and is now beyond the applicable statute of limitations for collection under governing law. Continued reporting of this account is inaccurate, outdated, and misleading. 

Under the Fair Credit Reporting Act, you are required to ensure all information you report is accurate and not obsolete. As this account is past the allowable reporting period for negative information, I demand its immediate removal from my credit report. 

Please investigate this matter, correct the inaccuracy, and provide me with written confirmation of the deletion within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i am disputing the validity of this debt on my credit profile reported my XXXX XXXX due to the fact that there is no ORIGINAL PURCHASE AGREEMENT for this account signed by all parties. 

acct name : MIDLAND CREDIT MANAGEMENT acct # : * XXXX amount : {$730.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report, as their presence has caused significant emotional and financial distress by inaccurately representing my credit history and responsibilities. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family, and if this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
These entries must be investigated and taken off within 15 days according to USC 1681g.

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 2025-08-15 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: MO

Complaint narrative:
I am disputing the late payment entry recently reported to my credit file. My account records confirm that all obligations were paid on time. This inaccurate reporting is damaging my credit profile and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt was settled with the original creditor at the time the debt was due. Collection company bought the debt after the fact and is trying to get more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
This report doesn't reflect my financial principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Home Mortgage without authorization has repeatedly ( 3 ) times forced an escrow account on us despite us complaining that we dont need or want an escrow account. Our house is paid off in 9 months, and our mortgage balance is approx {$4000.00}. We have always paid our real estate taxes on our own for 10 years since we have had this mortgage. 

This sounds a lot like the fake account scandal at Wells Fargo which they were fined hundreds of millions of dollars. Maybe they need to open more fake escrow accounts with their ridiculous escrow deposit requirements for more customers to artificially simulate growth for their shareholders. This is harassment of a long term customer, and we are not going to change our mortgage payment from $ XXXX month to XXXX XXXXXXXX month in order to have an escrow account. 

We are concerned for our credit scores being impacted because according to Wells Fargo, our mortgage payment hasnt been paid ( {$2400.00} ). This harassment has to stop and can not be allowed to affect our credit scores.

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 2025-08-15 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX,, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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