vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: LA

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with XXXX XXXX, please delete them within XXXX  days. Supporting documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Medical collection reported to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently request the deletion of these unauthorized accounts from my credit report, as I did not open them and was unaware of their existence. In compliance with USC 1681g, please remove them within XXXX days. Attached are the required supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MO

Complaint narrative:
Today we responded to community loan servicing / Bayview response through CFPB on their letter dated XX/XX/year>. We have extended our complaint due to the inability to Provide documents that are evidence. 

I am attaching documents that are evidence that their records are in error and that appears to attempt breaching a contractual payoff agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : FINAL NOTICE LEGAL DEMAND FOR REMOVAL OF INACCURATE, UNVERIFIED COLLECTION ACCOUNTS To Whom It May Concern : This letter serves as a final legal dispute and demand under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC ) for the immediate removal of inaccurate and unverifiable collection accounts from my TransUnion credit report. 

Accounts in Dispute : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$500.00} - XXXXXXXX XXXX XXXX XXXXXXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$820.00} - XXXX XXXX XXXX XXXX XXXXXXXX {$740.00} Legal Grounds for Dispute : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681e ( b ) Reporting inaccurate information without ensuring maximum possible accuracy - 15 U.S.C. 1681b No permissible purpose to report this data - 15 U.S.C. 1692g Failure to validate debts as required by federal law - 15 U.S.C. 1692e Misrepresentation and deceptive practices - UCC 3-501 & 3-505 No signed contract or legal chain of assignment to prove debt - XXXX  Reporting unverifiable or outdated negative information XXXX XXXX  DEMAND : I am demanding that TransUnion immediately delete the accounts listed above within XXXX calendar days of receiving this letter. You must also : - Provide full validation and legal documentation of each debt - Provide a written statement confirming removal or corrections to my credit file Failure to Act Will Result in Legal Action : If you fail to respond and remove these items within the stated XXXX  days, I will file : - A formal complaint with the CFPB, FTC, and XXXX  Attorney General - A civil lawsuit under 15 U.S.C. 1681n and 1681o, seeking monetary damages, legal fees, and court costs - Claims for defamation, emotional distress, and negligent reporting You are now legally on notice and will be held fully liable for ongoing harm caused by these reporting errors. 

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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
MIDLANDCRE acct # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
i was a resident at XXXX XXXX XXXX  in XXXX indiana, i moved back to XXXX because my sister had XXXX i moved out on XX/XX/year> i did a walk though with the lady in the office on XXXX i was not aware that the company took me to court for an eviction of a place i was already moved out of they sent the court documents to XXXXXXXX XXXX in which i moved out on XXXX according to their disposition i was charged XXXX reletting fee ; XXXX water/sewer ; XXXX other damages ; XXXX legal fees ; XXXX water and sewer ; XXXX trash fees on XXXX i was charged {$2000.00} for paint according to XXXX XXXX XXXX it is illegal to charge for normal wear and tear like paint. On XXXX i was charged {$3000.00} for carpet cleaning and according to Indiana XXXXXXXX XXXX XXXXXXXX is also illegal. i am a single parent of XXXX children i cant afford a lawyer the tenant rights for XXXX can give me legal advice but they are not lawyers its unfair that these big cooperate companies can destroy your charter like this. on their own disposition its stated at the top of the letter my move in and out date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The first reported late payment was in XXXX and is more than XXXX XXXX XXXX. They keep changing the dates of the late payments so that it stays on my credit reports. According to the FCRA they must remove from the first reported late payment after XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened a fraud case on my account on XX/XX/year>. Wells Fargo and since provided no information about the status of my claim : XXXX. I've called multiple times and can not get in contact with the department directly handling the claim. See attached file for list of transactions being disputed as 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
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is XXXX XXXX correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: AUTOMOTIVE CREDIT CORPORATION
State: IN

Complaint narrative:
Company : XXXX XXXX XXXX Michigan XXXX XXXX ) XXXX. 

We financed a vehicle through XXXX XXXX  XX/XX/XXXX. Had on time payments every month until XX/XX/XXXX when my husband was in an accident, causing another driver to hit him and totaled our vehicle. We notified XXXX XXXX within XXXX hours. Very quickly the other drivers insurance paid XXXX credit over {$9000.00}. Then it was sent to XXXX to pay the remaining balance ( or so we thought ). This process with XXXX XXXX XXXX insurance took a few weeks while during this time, XXXX XXXX was racking up late charges on me for some reason even though the other drivers insurance had paid over {$9000.00} and we were awaiting XXXX insurance to get back to us. Finally XXXX pays over {$700.00} leaving us to pay {$380.00} when I spoke to a customer service rep at Automotive Credit the week of XX/XX/XXXX and told the rep Id try to pay the remaining {$380.00} on XX/XX/XXXX. On XX/XX/XXXX I logged into the customer portal and paid {$100.00} ( thats all we could pay that week. When the other car was totaled, we had to act fast and finance another vehicle, plus we have XXXX children, so money was tight. ). Then on XX/XX/XXXX, I logged back into the customer portal to pay remaining {$280.00} where it said I have a balance of {$0.00}. Shocked I called XXXX XXXX  customer service line where the customer service rep stated I owed nothing more and everything was paid ( their phone lines are recorded ). I said great and moved on with life. Today XX/XX/XXXX, I see on XXXX XXXX that I now have a outstanding balance of {$310.00} with XXXX XXXX. I call customer service and they say they sent me to collections since I didnt pay the full {$380.00} on XXXX but thats not what I was told XX/XX/XXXX. This has been stressful, confusing, and wrong. XXXX XXXX was technically paid off for that car years in advance where they still felt the need to rack me up late changes, mess with my credit and pay ment history, and overall stress a pregnant mother of XXXX out over what shouldve been simple payments and no late fees considering the car was totaled and they were indeed being paid off. I asked for documentation stating they sent me to collections and repeatedly refused. Only said they could send me my payment history, nothing more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
After reviewing my credit report, I see many inaccuracies that I need removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My vehicle was repossessed on XX/XX/year> by Westlake Financial while I was physically inside the car, which is a violation of XXXX  repossession law due to breach of peace. Despite providing evidence ( GPS location, XXXX camera video, and witness confirmation ), Westlake has refused to correct the false credit reporting. The account was wrongfully marked as charged off with a balance of over {$19000.00}, and is severely damaging my credit. I have submitted disputes and demand letters with no resolution. I am asking the CFPB to require Westlake to remove the repossession and charge-off from my credit report and address this illegal repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account is not mine and should not be reporting on my credit report. If it is my account, please send my records relating to this account including all signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation