vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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:
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 2025-06-27 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: SC

Complaint narrative:
I am filing a complaint regarding an unauthorized hard inquiry that appears on my credit report. I did not apply for credit, nor did I authorize The companies listed below to perform a hard credit pull.

Company Name Listed on Credit Report : XXXX XXXX Inquiry Date : XXXX XXXX Company Name Listed on Credit Report : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX Company Name Listed on Credit Report : XXXX XXXX Inquiry Date : XXXX XXXX Company Name Listed on Credit Report : XXXX XXXXXXXX Inquiry Date : XXXX XXXX This

hard inquiry is damaging to my credit profile and was done without my knowledge, consent, or permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Legal Basis : Under the FCRA, a hard inquiry may only be performed if there is a permissible purpose, such as : A credit application initiated by the consumer, Employment purposes with written consent, A firm offer of credit or insurance, etc. I have not engaged in any activity that would justify this inquiry, nor have I had any recent interactions with this company that would provide a valid legal basis for a hard pull.

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 2025-06-27 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: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS XXXX  RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
QUALIA COLLECTION SERVICES Subject : Formal Dispute of Alleged Debt and Cease Communication Notice To Whom It May Concern at QUALIA COLLECTION SERVICES, This letter serves as a formal notice that I am disputing the validity and ownership of any and all alleged debts you claim I owe. I do not acknowledge any obligation to QUALIA COLLECTION SERVICES, and I demand that you immediately cease all attempts to collect this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request debt validation. Accordingly, I am formally requesting the following : Full debt validation as required under 12 CFR 1006.34 ( b ) ( 5 ).

A copy of the original purchase agreement or contract between the original creditor and QUALIA COLLECTION SERVICES demonstrating the legal right to collect on this debt. 

Proof of your license and bonding to collect debt in my state, including the license number and regulatory body that issued it. 

Confirmation that I was given a fair opportunity to dispute this account before it was reported to any consumer reporting agency, in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

You are further advised that you are in violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) for furnishing information to consumer reporting agencies without providing all required disclosures. Additionally, any false, misleading, or deceptive representation in the collection of this debt is a violation of the FDCPA. 

Effective immediately, I hereby revoke any and all permissions for QUALIA COLLECTION SERVICES to communicate with me through any form of communication, including but not limited to phone calls, text messages, emails, or any electronic communication platforms. All further communication must be sent in writing via XXXX Mail only. 

If you fail to comply with these requests, or if you continue to pursue collection activity without proper documentation and validation, I will not hesitate to report these violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
i have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-27 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: TX

Complaint narrative:
The bureaus are reporting conflicting and inaccurate data in violation of FCRA 1681e ( b ). Metro 2 formatting and reporting dates are inconsistent, including : Different open/closed/last activity dates Incorrect payment history Incomplete account remarks Lack of verification or monthly reporting Ive submitted letters to TransUnion, Equifax, and Experian , plus a highlighted screenshot of the errors. This account has not been properly verified and should be removed unless full Metro 2compliant evidence can be produced. I request CFPB support to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to seek your urgent intervention regarding our difficulties with a loan modification process undertaken with Wells Fargo. Our continued attempts to resolve these issues amicably have unfortunately been met with barriers that seem insurmountable, potentially leading to foreclosure. 

Firstly, we have twice pursued a reinstatement of our loan, yet each time, we have been presented with an astronomical increase in our mortgage payments, ranging between {$900.00} and {$1200.00} above our original monthly commitment. This substantial increase renders it exceedingly difficult for us to reinstate and maintain our loan. Despite reassurances from Wells Fargos Home Preservation Team that any modifications would align closely with our current payments, this has not been reflected in their offers. 
Such excessive increases in our mortgage payments seem discriminatory and are reminiscent of previous prejudiced practices documented against various Wells Fargo clientele. We firmly believe that a fair modification is possible and necessary, providing a more sustainable financial future for our household. 
Applied in XXXX drastic increase in mortgage, Applied again XX/XX/XXXX repeat in drastic increase in mortgage payments and interest rate

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
In XXXX or XX/XX/XXXX I took out a {$7000.00} title loan through TitleMax in XXXX, WI. My monthly payments were approximately {$970.00} with a payoff expected in or around XX/XX/XXXX. After about a year, TitleMax offered me a refinance that gave me {$300.00} in additional funds. I was told this would help lower my payments and assist financially. I was under the understanding that the refinance would not change anything except lowering the payments, but adding the {$300.00} to the principle amount since I was paying the full amount on the due date every month.

However, the loan was restarted entirely. The new monthly payment increased to {$980.00}, and the new payoff date was extended to XX/XX/XXXX. After reviewing my payments and contract, I realized that I would be paying $ {$47000.00} over the life of this new loan total for a {$7300.00} loan. This is 6.5 times the amount borrowed, not to mention the amount of approximately {$12000.00} paid on the original loan.

I believe I was misled into refinancing under terms that were not properly disclosed or explained. The terms were not beneficial and have placed me and my family in financial hardship. I believe I was misled into refinancing under terms that were not properly disclosed or explained. The terms were not beneficial and have placed me and my family in financial hardship. And while I know that I signed the agreement, but I was under mental health struggles at the time and asked it to be explained to me as I needed to further understand due to the confusing agreement.

I am requesting a full investigation and resolution. TitleMax should re-amortize the loan to the original payoff schedule and refund any excessive interest charged through the refinance. In addition, both my spouse and I are XXXX XXXX XXXX  veterans, and we have already paid more than twice the original loan amount. We have since been informed that in cases like ours, some lenders have opted to waive the remaining balance due to the borrowers military status and the excessive repayment already made. I respectfully request that this be taken into consideration when reviewing our case and determining a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AZ

Complaint narrative:
Let me be absolutely clear : this complaint is legitimate and submitted with full intent. My credit report contains inaccurate information that fails to meet the legal requirement of maximum possible accuracy. These reporting errors are causing significant and ongoing harm to my financial stability and overall well-being. 
This situation places an unjust and unwarranted burden on me during an already difficult time. Such negligence is unacceptable.

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 2025-06-27 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: AZ

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 explanation
Consumer complaint received 2025-06-27 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: AZ

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 non-monetary relief
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. 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 2025-06-27 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: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my items that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the items with the late payment. According to legal requirements, I understand that an investigation or update of the items is mandated. Kindly review the listed items below that requires correction : 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/year>

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 2025-06-27 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: EQUIFAX, INC.
State: DC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is to notify you that I formally dispute the debt you assert I owe. I also wish to raise serious concerns about the legality of your collection practices. I do not acknowledge any obligation to the following agencies : 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  Please provide full debt validation as required by 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, account number, balance breakdown, and a copy of your purchase agreement with the original creditor. I have reported these concerns to the Consumer Financial Protection Bureau.

I also revoke consent for contact via phone, text, or email. From now on, communication must be in writing. Failure to provide a proper dispute opportunity per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and the use of deceptive collection practices without the required legal disclosures, violate my consumer rights. In addition, [ creditor_name ] may not furnish information to credit bureaus without proper disclosure under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My information has been exposed via multiple data breaches - Equifax - XXXX XXXX XXXX XXXX XXXX. 
I have made a police report involving these accounts. I have reported this to the IRS as well because my identity were used to collect unemployment benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: 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 non-monetary relief