vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion and XXXX XXXX for their ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Since XX/XX/year>, I have been disputing a collection account that is being reported on my credit report. I have sent certified mail a cease and desist letter and a method of verification/validation request to XXXX XXXX , yet I have not received any response verifying the debt. Despite this, TransUnion continues to report the account as " Meets FCRA Requirements, '' which is inaccurate and in violation of federal law. 
This company has failed to provide any proof that this debt is valid, yet they continue to report it. Their actions violate the following laws : FCRA 611 ( 15 U.S.C. 1681i ) Credit bureaus must verify disputed information within 30 days or delete it.

FCRA 623 ( 15 U.S.C. 1681s-2 ) A furnisher ( creditor/collector ) can not report inaccurate or unverified information.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) A debt collector must provide validation if requested. If they fail to do so, they violate federal law.

FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ) Reporting false or unverified debts is a violation.

I am formally requesting that this account be immediately removed from my TransUnion credit report due to non-compliance with federal law. Additionally, I am seeking an investigation into TransUnion and XXXX XXXX for their failure to verify this debt as required under the FCRA and FDCPA. 
If this issue is not resolved promptly, I will pursue further legal action for damages under 15 U.S.C. 1681n and 1681o for FCRA violations and 15 U.S.C. 1692k for FDCPA violations. 
I appreciate your prompt attention to this matter and look forward to your response. 
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 2025-03-27 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: CA

Complaint narrative:
I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital, represented by XXXX XXXX XXXX have falsely accused me of owing a debt that they refuse to verify. The case has been going on for over XXXX years in XXXX XXXX  The judge hasn't dismissed with prejudice, she allows more time for them to prove their case, which further impacts my ability to secure loans and rent an apartment. I'm currently unable to find housing because theres an alleged {$9000.00} debt on my credit report, the only debt, and landlords don't look kindly at that. Here are the facts I've presented to the court and am awaiting response during the next court date : 1. Failure to Prosecute This case has been pending for over XXXX years, far exceeding Floridas one-year limit for civil actions. The XXXX has made no meaningful progress in prosecuting this case. 


2. Failure to Validate the Debt The Plaintiff has failed to provide a full and accurate accounting of the alleged debt from XX/XX/XXXX to XX/XX/XXXX as required by FDCPA ( 15 U.S.C. 1692g ( b ) ) and XXXX  law ( XXXX XXXX. XXXX ). The only document provided is an XX/XX/XXXX billing statement, which fails to account for the principal balance, interest, or fees accrued since the inception of the alleged debt. 


XXXX. Violation of FDCPA Section 1692e, Subsection 8 On XX/XX/XXXX, the defendants updated the status to all three credit bureaus as Pay Status - Collection, when it should have been Disputed, in violation of FDCPA 1692e, Subsection 8. The defendants had already received my response to the lawsuit, delivered to their offices on XX/XX/XXXX. Despite this, they continued to falsify credit reporting and failed to communicate that the debt was disputed. 


XXXX. Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has repeatedly requested documentation, which Plaintiff has failed to provide. Plaintiffs attorneys fail to appear prepared, further delaying the case. This baseless lawsuit has damaged Defendants credit, causing financial hardship by preventing Defendant from securing loans and housing Why am I guilty until I prove my innocence and paying the price for something that can't be proved by the Debt Collectors?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened an account with citizens bank on XX/XX/XXXX after XXXX  days of account opening they closed my account, blocked my online access when I called them Ive been told the account will be fully closed in XXXX  days which was XX/XX/XXXX and the bank will mail out a check for opening deposit but I have never gotten the check after a month when call them they gave me a run around transferring me to different departments no one seems to see this account this a very bad practice and their banking license should be revoked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
A bill pay was set up through my bank, Wells Fargo. The payment was {$1500.00} payable to XXXX XXXX XXXX on XX/XX/year>. The payment was never received. The payment transaction showed paid. I received a call from XXXX saying that I still owed for XXXX. I went to my bank, Wells Fargo and opened an inquiry that was closed on the same day. I was told that it went to the address and account number set up in bill pay. I asked Wells Fargo to verify the information and was told that they didnt have the information and since my bill pay user interface only shows the last 4 digits of the account number and no address is listed, I couldnt verify it myself. I was told by Wells Fargo that I should have written it down. 
XXXX requested that I provide a trace number since it went through ACH. No one at Wells Fargo would provide the XXXX number to trace the payment. 
Wells Fargo has not and will not assist in resolving the {$1500.00}. I am really feeling that my money is not safe with this institution. Wells Fargo has been charged with fraud in the past and I feel that this just another fraud tactic. I just want my money.

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 2025-03-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
i have a email chain of me trying to dispute with original creditor of XXXX XXXX but no response. I have submitted proof and videos of no damage and they sent ther ledger to a collection agency without my knowledge after i tried to rectify the situation with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
CMRE Financial Services , Inc. has repeatedly failed to comply with my debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ). 

On XX/XX/year>, I sent a written request via email to CMRE Financial Services requesting validation of an alleged medical debt ( Account # XXXX ). I followed up again on XX/XX/year>, and once more on XX/XX/year>, each time requesting : A detailed breakdown of all charges and payments Proof that the original creditor ( XXXX XXXX XXXX XXXX XXXX ) billed me prior to collections Evidence that CMRE had the legal authority to collect the debt I received no response to any of my emails. As a final step, I sent a certified letter, which was delivered and signed for on XX/XX/year>, at XXXXXXXX XXXX  by an individual named XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This letter reiterated my legal right to validation and requested written confirmation that the debt would not be reported to credit bureaus. 

To date ( XX/XX/year> ), I have received no response of any kind, nor any validation documents, despite multiple written communications and legally sufficient time to respond.

As of now, the debt is not on my credit report, and I want to ensure it is never reported due to CMRE 's failure to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
I reviewed my credit report and noticed that are unauthorized inquiries showing up on my credit report. The inquiry is from XXXX on XX/XX/year>. I did not make any new inquires and I want this removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: VA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-27 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TX

Complaint narrative:
I am submitting a formal complaint against TransUnion regarding their handling of a disputed debt of {$2500.00}, allegedly reported by XXXX XXXX XXXX. I have no legal obligation to this company, and therefore, they do not have the legal right to report any data to my credit profile. TransUnion is not adhering to consumer protection laws 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 2025-03-27 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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:
Thank you for your prompt attention to this matter please feel free to contact me at XXXX or XXXX. If further information is required. 

Sincerely, XXXX XXXX XXXX This letter is tailored to the specific inconsistencies shown in the provided document. 
If you'd like, I can refine further or assist with submitted the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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

Company 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 2025-03-27 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: EQUIFAX, INC.
State: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-03-27 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: VA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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