vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
As part of a fraudulent job offer scam, I was instructed to forward funds after depositing a check for {$3500.00} on XX/XX/year>. On XX/XX/year>, I used Zelle to send : {$1000.00} to XXXX XXXX ( email : XXXX ) {$500.00} to XXXX XXXX XXXX ( phone : XXXX ) Shortly after these transfers, my bank determined the original check was fraudulent and withdrew the funds from my account, leaving me with significant financial loss and overdraft fees. 
I attempted to report the matter to my bank, but they denied responsibility and refused to file a fraud claim. I have filed claims of fraud with Zelle for both payments but have not heard back. I am requesting that Zelle : Investigate these two transfers as part of a known scam. Clarify what fraud protections are in place for Zelle users who are targeted in scams. Provide assistance in recovering or disputing the transfers if possible. I have retained documentation, including the frau
dulent check, USPS mailing envelope, text communications, and screenshots of the Zelle transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
I was in forebearence with Fay Servicing, i paid every payment that i could and kept asking them for information on forebearence/modification anything, they never answered any questions, i was out of work for a period of time, which when i made XXXX  months in a row of payments and still didn't hear anything, i lost my job, i made my last payment in XX/XX/year>. I got a job again in XXXX, when i reached out to fay and said that i could make payments again and would like to talk about coming out of forebearence, they started charging me foreclosure fees and at the same time asked me for pay stubs, i sent the pay stubs as soon as they told me to, so at the same time they were asking for information to evaluate me for a program, they were charging me foreclosure fees. The only thing I ever heard from them was that one letter requesting pay stubs. I emailed them a week after turning those in asking what was going on with the modification, they never answered or replied. The next letter i got was a foreclosure filing letter. They filed while still in the process of me asking them about modification. And never answered any of my calls or emails. I asked many questions in my unanswered emails and messages! I offered to pay every XXXX weeks when the mortgage got settled. We made consistent payments up until my job loss where they never contacted me about anything. They never approved me or denied me for anything. I have emails and documents that show the dates they said they were requesting pay stubs and the dates they also charged foreclosure fees at the same time as evaluation. I also have the messages where i repeatedly asked what was going on and the next and only letter was the foreclosure filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00}

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 2025-08-22 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau CFPB, the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under the XXXX according to XXXXdebt Final RULE 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted. please delete the following account, XXXXXXXX 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 explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Company XXXX XXXX XXXX Account XXXX XXXXXXXX I am disputing the reporting of the above account. The collection agency is repeatedly updating the balance, which is inaccurate and misleading. This creates the false impression of new activity when none exists. Under the FCRA ( 15 U.S.C. 1681i & 1681e ( b ) ) and the FDCPA ( 15 U.S.C. 1692e ), you are required to ensure only accurate information is reported. Re-aging or falsely updating balances is a violation of these laws. I request that you investigate, verify, and correct or delete this account. Please send me the results of your investigation along with an updated credit report. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: VA

Complaint narrative:
Since XX/XX/year>, Ive disputed a reporting error with XXXX XXXX  through Equifax using their online dispute tool. Ive uploaded supporting documents showing the current status of the XXXX line of credit using my own XXXX line of credit statements. Each dispute there results come by stating they are reporting correctly. Ive called Equifax as well. The last call was make late XX/XX/year>, and the XXXX lied and said they are no longer reporting the XXXX account but today, XX/XX/year> still showing incorrect information. My credit score dropped XXXX points and keep dropping because Equifax refuses to report correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report related to late payments and a charge-off that are incorrectly reported following my XXXX XXXXXXXX bankruptcy filing. 

1. Inaccurate Late Payments After Bankruptcy Filing I filed for XXXX XXXXXXXX bankruptcy on XX/XX/year>, and my accounts were not delinquent at the time of filing. My credit report currently reflects 20+ late payments that allegedly occurred after this date. Upon reviewing my accounts, I found that 99 % of them show Never Late or do not indicate any missed payments. I request a detailed investigation into the origin of these late payment notations and their immediate removal if found inaccurate. 

XXXX. XXXXXXXX XXXX Misreported Charge-Off XXXXXXXX XXXX  was included in my XXXX XXXXXXXX bankruptcy plan. However, the account is still being reported as a charge-off, and XXXX XXXX has failed to update the status or respond to previous disputes. This is a violation of the Fair Credit Reporting Act ( FCRA ) and bankruptcy protections.

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 2025-08-22 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:
I'm disputing my credit report reporting wrong information without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
I'm disputing my credit report reporting wrong information without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

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 2025-08-22 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-22 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Second Demand Willful Noncompliance by TransUnion, Experian, Equifax, and IC System To Whom It May Concern : I am writing for the second time to address continuing and unlawful activity on my credit reports. Despite prior notice, TransUnion, Experian, and Equifax have failed to remove inaccurate and unauthorized entries, and XXXX XXXX continues to report damaging negative information. This ongoing conduct constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

Ongoing Violations ; Negative Item Reported by XXXX XXXX XXXX XXXX continues to report erroneous and damaging information that is not a valid or authorized debt. This false reporting is harming my creditworthiness and financial opportunities. 

Failure to Correct After Prior Notice I previously provided written notice demanding investigation and correction. The failure to act transforms these violations into knowing and willful misconduct under 15 U.S.C. 1681n1681o. 

Unauthorized Disclosure of My Personal Information The continuing publication of false and negative information constitutes a breach of the XXXX  ( 15 U.S.C. 6802 ) and violates my right to financial privacy.

Immediate Action Required Remove XXXX XXXX negative reporting in its entirety. 

Correct and update all credit reports to reflect accurate information. 

Provide written confirmation of corrections and furnish copies of updated reports. 

Deadline for Compliance You have XXXX ( XXXX ) business days from receipt of this notice to comply. Failure to do so will compel me to : File suit under 15 U.S.C. 1681n1681o for willful and negligent noncompliance ; Pursue statutory, actual, and punitive damages, along with attorneys fees ; File complaints with the FTC, XXXX  Attorney XXXX XXXX, and additional regulatory agencies. 

This is a final demand. Your continued inaction has caused and continues to cause me significant financial harm, reputational damage, and emotional distress. You are now on clear notice that further delay will result in legal enforcement. 

I expect immediate correction and documented confirmation. 

Sincerely, XXXX XXXX without prejudice

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Second Demand Willful Noncompliance by TransUnion, Experian, Equifax, and IC System To Whom It May Concern : I am writing for the second time to address continuing and unlawful activity on my credit reports. Despite prior notice, TransUnion, Experian, and Equifax have failed to remove inaccurate and unauthorized entries, and XXXX XXXX continues to report damaging negative information. This ongoing conduct constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

Ongoing Violations ; Negative Item Reported by XXXX XXXX XXXX XXXX continues to report erroneous and damaging information that is not a valid or authorized debt. This false reporting is harming my creditworthiness and financial opportunities. 

Failure to Correct After Prior Notice I previously provided written notice demanding investigation and correction. The failure to act transforms these violations into knowing and willful misconduct under 15 U.S.C. 1681n1681o. 

Unauthorized Disclosure of My Personal Information The continuing publication of false and negative information constitutes a breach of the XXXX  ( 15 U.S.C. 6802 ) and violates my right to financial privacy.

Immediate Action Required Remove XXXX XXXX negative reporting in its entirety. 

Correct and update all credit reports to reflect accurate information. 

Provide written confirmation of corrections and furnish copies of updated reports. 

Deadline for Compliance You have XXXX ( XXXX ) business days from receipt of this notice to comply. Failure to do so will compel me to : File suit under 15 U.S.C. 1681n1681o for willful and negligent noncompliance ; Pursue statutory, actual, and punitive damages, along with attorneys fees ; File complaints with the FTC, XXXX  Attorney XXXX XXXX, and additional regulatory agencies. 

This is a final demand. Your continued inaction has caused and continues to cause me significant financial harm, reputational damage, and emotional distress. You are now on clear notice that further delay will result in legal enforcement. 

I expect immediate correction and documented confirmation. 

Sincerely, XXXX XXXX without prejudice

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 2025-08-22 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:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: FL

Complaint narrative:
Company : Americollect , Inc . 
Accounts : XXXX and XXXX ( as shown on my XXXX  report ). 

Americollect is reporting medical collection ( s ) to XXXX but has not provided proper validation despite my requests. I asked for full validation under 15 U.S.C. 1692g, including : Original medical provider and date ( s ) of service ; Itemized charges ( principal/interest/fees ) with description/XXXX XXXX Assignment/authorization showing Americollects right to collect and to furnish to CRAs ; HIPAA-compliant authorization permitting any access/disclosure of my medical info ; XXXX used for credit reporting and complete account/payment history. 

Americollect either did not respond or responded without the required documents yet continues to furnish the collection ( s ) to XXXX. This violates FDCPA 1692g ( validation ) and FCRA 623 ( furnishing accurate, verifiable information ). If the balance is paid or {$500.00}, the CRA medical reporting policy requires deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was stolen from my XXXX computer system and it was an XXXX. 
XXXX, the XXXX  has investigated it and the people that stole my information are out of XXXX XXXX They are unable to tell me exactly where in XXXX. And it's the own going investment With the f. XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-22 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I sent a certified letter for validation of a debt to Portfolio Recovery Associates , LLC. A debt bought from XXXX XXXX, XXXX. I was sent a generic billing statement which doesn't provide validation of the debt. I asked for a Original contract bearing my signature the Forward Flow, chain of title and Legal Authorization and Compliance and and a complete itemization of accounting charges of the alleged debt. I received a mere response.

Company response to consumer: Closed with non-monetary relief