vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced collection account ( s ) in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g and 15 U.S.C. 1692c ( c ). 
1. Request for Validation under 15 U.S.C. 1692g ( b ) : I hereby request that you provide proper validation of the alleged debt ( s ), including but not limited to : The name and address of the original creditor The amount of the alleged debt, including itemization of fees or interest A copy of any judgment ( if applicable ) Documentation bearing my signature or showing I am legally responsible for the alleged debt Until you provide this information, you are required by law to cease all collection activities, including reporting the debt to any credit reporting agencies.

2. Cease Communication Notice under 15 U.S.C. 1692c ( c ) : Pursuant to my rights under 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this matter. If the alleged debt is valid, your only permissible response should be to provide the required validation or notify me of specific legal action.

Be advised that failure to comply with these requests will constitute a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or result in civil action. 
This letter is not an acknowledgment of any debt, nor an acceptance of liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
I contacted discover with concerns as to why my account keeps trying to pay the full amount due with out my concerns and they ignored my concerns so They closed my account stating that I was trying to use A closed account to pay my credit card but at the time I was a victim of fraud and XXXX XXXX had closed and reopened but account which I used to pay discover. Discover stated of if I could mail in proof of this and bank statments that they would reinstate the account but they keep mailing back the proof saying wrong department ever since they closed my account Ive been struggling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: KY

Complaint narrative:
XXXXXXXX XXXX unfair and predatory lending practices along with the closure of active and paid accounts after dropping credit line limits without any type of reference of reason. This knowing the actions taken by their company would both reflect poorly on my individual credit score but would unfairly invoke unreasonable minimum payment amounts knowing fully that a reasonable person would be either unable to or unwilling to pay. Their predatory lending practices have both hurt me financially attempting to keep up with their unreasonable expectations of payment as well has invoked a burden on my current reasonable relationships with other lending establishments.

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 2025-04-24 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: KY

Complaint narrative:
XXXXXXXX XXXX unfair and predatory lending practices along with the closure of active and paid accounts after dropping credit line limits without any type of reference of reason. This knowing the actions taken by their company would both reflect poorly on my individual credit score but would unfairly invoke unreasonable minimum payment amounts knowing fully that a reasonable person would be either unable to or unwilling to pay. Their predatory lending practices have both hurt me financially attempting to keep up with their unreasonable expectations of payment as well has invoked a burden on my current reasonable relationships with other lending establishments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have had several AmEx card accounts for many years. During COVID, I was forced to be placed on a payment plan which their phone representative offered as an alternative for having decreased income. I was assured that my accounts would remain open and when I paid off my debts I would be able to renew my accounts and maintain my credit history. 
However, I paid my balances and my accounts were closed. I was assured that they would " review '' the phone conversation with the representative that suggested a payment plan, but was never told of the outcome. I called the company several more times, each time being transferred numerous times just to have the member state that they don't have the authority to reinstate my accounts. Similar occurrences happened with several online chats, which eventually told me to call the same number that I had been calling. Several month of this and I've gotten no where with them and they do not have a XXXX  account, so this is my only remaining avenue. 
I feel I was taken advantage of during a time of financial need and now the company wishes to deny abiding by their own terms, as spoken to me by the initial representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
I have XXXX and I shouldn't be charged with a outstanding balance.A account was opened under my name without any proof of photo ID. I never went to a doctor office or visit without providing proof of photo ID and insurance. I am being victimized and my XXXX XXXX is being targeted by a group, someone, or a entity... Whenever my XXXX XXXX gets close to establishing good credit A group, someone, or a entity is filing and submitting fraudulent information. When I prove that the account is not mine the credit bureau does not fix my credit. my XXXX XXXX has dropped over XXXX points within the last 6 months due to error...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: IL

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove any items not later than 4 business days after the receipt. Deleted this NOW! 
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 2025-04-24 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: MS

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ordered a router from XXXX and paid using my Wells Fargo Visa credit card. However, I never received the package. I contacted my local post office, and they issued an official claim letter confirming that the package was not delivered to me. The letter also states that the seller provided an incorrect name and address, which caused the delivery to fail. 

I submitted a dispute with Wells Fargo. However, Wells Fargo denied the dispute, stating that the seller proved delivery. 

Wells Fargo never reviewed or considered my evidence from the post office, which clearly shows the package was not delivered to me due to the sellers error. I believe the dispute was unfairly closed, and I am seeking help to reopen the investigation with proper review of the evidence I submitted.

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 2025-04-24 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: IN

Complaint narrative:
Since XXXX of 2016 XXXX has shared my personal information unknowingly nonaffiliated institutions without my consent. This violates many consumer right that are entitles to me. The financial institution has disclosed personal information to a non affiliated institution without written consent or notifying consumer. 15 U.S.C states, a financial institution may not directly or through any affiliate, disclose to any nonaffiliated third party any non public personal information.

Pursuant to 15 U, S Code 1692 abusive debt collection practices contribute to the invasion of individual privacy. XXXX providing private personal information to nonaffiliated institutions constitutes as a violation of my consumer rights.

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 2025-04-24 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: IN

Complaint narrative:
Since XXXX of 2016 XXXX has shared my personal information unknowingly nonaffiliated institutions without my consent. This violates many consumer right that are entitles to me. The financial institution has disclosed personal information to a non affiliated institution without written consent or notifying consumer. 15 U.S.C states, a financial institution may not directly or through any affiliate, disclose to any nonaffiliated third party any non public personal information. 
Pursuant to 15 U, S Code 1692 abusive debt collection practices contribute to the invasion of individual privacy. XXXX providing private personal information to nonaffiliated institutions constitutes as a violation of my consumer rights.

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 2025-04-24 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: IN

Complaint narrative:
Since XXXX of 2016 XXXX has shared my personal information unknowingly nonaffiliated institutions without my consent. This violates many consumer right that are entitles to me. The financial institution has disclosed personal information to a non affiliated institution without written consent or notifying consumer. 15 U.S.C states, a financial institution may not directly or through any affiliate, disclose to any nonaffiliated third party any non public personal information.

Pursuant to 15 U, S Code 1692 abusive debt collection practices contribute to the invasion of individual privacy. XXXX providing private personal information to nonaffiliated institutions constitutes as a violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NY

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 2025-04-24 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: CA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
b'On XXXX XXXX XXXX, I sent Mr. Cooper a Qualified Written Request (QWR), received XXXX XXXX XXXX (Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX), requesting full loan validation under RESPA, TILA, and Missouri law. I asked for the original note and deed of trust, complete assignment and transfer history, proof of servicing authority, full escrow and payment records, insurance details, securitization status (including Ginnie Mae XXXX XXXX), and identification of the current creditor. I also sought clarification on any robo-signed documents, debt validation under UCC  3-301/3-309, and compliance with TILA notice requirements.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have been trying to use this Amex gift card ( I received many years ago as a gift ) online, and nothing is accepting it. I logged into the Amex gift card website, found that no money has been used, and it is still active. It is ridiculous that I have to jump through so many hoops to use MY money that AMEX was paid for almost 10 years ago...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 


Update the late payments from my consumer reports

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