vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-03 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: NV

Complaint narrative:
The furnisher ( XXXX XXXX XXXX XXXX ) has failed to remove or correct a tradeline that includes outdated and misleading late payment history, despite my formal dispute and submission through the CFPB. 
This item was settled in XXXX. Continued reporting of late payments is misleading and does not reflect my current credit standing. 
Under FCRA XXXX, I am requesting CFPB XXXX and intervention to compel XXXX  XXXX to correct or delete this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
Issue Summary : Debt collector Scott and Associates PC responded to my verification request by sending documents on the letterhead of a different debt collector with another account number. They then sent an intent to sue letter on XX/XX/year>, without valid verification. These actions violate the FDCPAs prohibitions on false representations, unfair practices, and improper threats. 
Timeline of Events XX/XX/year> : Received initial collection notice for Account No. [ XXXX ] XXXX : Sent dispute and verification request by certified mail, citing 15 U.S.C. 1692g ( a ) .XXXX : Received a verification packet on XXXX XXXX XXXX XXXX letterhead also a debt collector, from their office address showing a different account number [ XXXX ] false and deceptive chain of titleno signed agreementXXXX : Notified debt collector of the discrepancy by sending a second letter certified mail with receipt and requested correct verification ; no adequate response. Again same letter head from office of XXXX address XX/XX/year> : Received an intent to sue letter threatening legal action despite lacking proper verification. 
* * Why This Violates the FDCPA * * 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representationssending another collectors letterhead and account number is deceptive. 15 U.S.C. 1692e ( 5 ) : Forbids threats to take action that can not legally be taken or is not intendedthreatening suit without intent or basis violates this provision. 15 U.S.C. 1692e ( 10 ) : Bans any false representation or deceptive meanscreating a false urgency via an intent-to-sue letter is deceptive. 15 U.S.C. 1692f : Bans unfair or unconscionable collection tacticsproviding conflicting information and threats frustrates validation rights. 15 U.S.C. 1692g ( b ) : Requires a debt collector to cease collection until proper verification and a copy are mailedimproper verification and continued threats fail this requirement.

15 U.S.C. 1692e & 1692e ( 10 ) : Scott and Associates use of a different account number and conflicting servicer identification misled about the alleged debts identity and ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
please please I do need some help please dress me a nice a message where I'm gon na express myself and I'm going to complain with the department Cpdf Wish I am feeling and I'm confirming I've been abused from the XXXX from From experience XXXX  XXXX XXXX and from Capital One which I made the payment for Capital One already they still reported me as a late payment and my record and a charge off and I request a XXXX they never provide the XXXX form if they ever have a get break on tax and they still report in my account I said delinquency as a late payment as a charge off from the same account I have XXXX charge off from the same account XXXX charger from the same account which is not fair at all second thing if they were to collect the payment they said reporter might pay payment which not accurate because I've been made in a payment and they never provide me any statement also experience they still have one of my information on file which is not belong to me I wish I provide one address 1 email and enter remove everything else on file on record and they keep having this information which is not mine some of them under my right a request for those companies that take off all the negative things and t

Company response to consumer: Untimely response
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

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 explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
There are several inquiries on my credit report that do not belong there because they're not related to accounts on my credit report that need to be removed ASAP I have filed several disputes with all three bureaus, and they will not help me so now I'm reaching out for your help to assist me in this matter. 

There is also XXXX bankruptcies listed on my report that I have filed disputes with over XXXX times with Experian. Transunion and Equifax XXXXhey will not remove them. They were both dismissed and one of them was filed in error and doesn't even belong there and should be removed automatically.

Both bankruptcies were dismissed and filed in error. They both need to be removed ASAP.

OFF ALL CREDIT REPORTS THIS IS AFFECTING MY LIVELIHOOD IN MY ABILITY TO OBTAIN A VEHICLE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
There are several inquiries on my credit report that do not belong there because they're not related to accounts on my credit report that need to be removed ASAP I have filed several disputes with all three bureaus, and they will not help me so now I'm reaching out for your help to assist me in this matter. 

There is also XXXX bankruptcies listed on my report that I have filed disputes with over XXXX times with Experian. Transunion and Equifax XXXXhey will not remove them. They were both dismissed and one of them was filed in error and doesn't even belong there and should be removed automatically.

Both bankruptcies were dismissed and filed in error. They both need to be removed ASAP.

OFF ALL CREDIT REPORTS THIS IS AFFECTING MY LIVELIHOOD IN MY ABILITY TO OBTAIN A VEHICLE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disputing an account from XXXX XXXX listed on my TransUnion credit report. This account was closed in 2019 and carries a {$0.00} balance, but it is still being reported as a charge-off. This is potentially obsolete and misleading under FCRA 605 ( a ), which limits the reporting of derogatory information to 7 years. I have previously disputed this, but no proper investigation or deletion has occurred. I request that this item be removed immediately if it can not be fully verified or if it exceeds allowable reporting limits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo ignoring automatic stay! 

Our home is scheduled for auction today at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 

We have filed for XXXX XXXX XXXX  and have an active automatic stay. The sale has yet to be cancelled on Auction.com. 

We did not receive any assistance from Wells Fargo before they sent a notice via certified mail from their attorney, XXXX XXXX would be transfering the title in XXXX to XXXX. We never received a notice that the home would be auctioned and found out from an investor knocking on our door XXXX  days ago. Not one phone call, email or offers of assistance. 

We have had XXXX lawsuits against them, XXXX restraining orders over a XXXX  year period. I filed a complaint yesterday with XXXX for our XXXX mortgage and contacted our federal representative, XXXX XXXX to stop. 

I will also be contacting local news with the information above. 

Our 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
In XX/XX/year>, Credit Control , LLC attempted to collect on two accounts ( ending in XXXX and XXXX ) allegedly related to XXXX XXXX XXXX. I do not recognize these accounts and believe the information provided to me during the collection process may be incomplete or unverifiable. 

I am now formally requesting that Credit Control , LLC provide validation of the alleged debts. Specifically, I require the following : Proof of Assignment : Documentation showing that Credit Control , LLC was assigned or authorized to collect on these accounts, including a complete chain of title or flow chart tracing the ownership of the debt from the original creditor to your company. 
Validation of the Debt : A copy of the original agreement or contract bearing my signature. 
Itemized account statements showing how the alleged debt amount was calculated, including any fees or interest added. 
Proof of Compliance with Texas Law : A copy of the surety bond required under Texas Finance Code 392.101 to verify your authority to collect debts in the state of Texas.

I am requesting that Credit Control , LLC comply with all applicable laws, including the Fair Debt Collection Practices Act ( FDCPA ) and Texas Finance Code, by providing the requested documentation. If you can not provide the requested validation, I ask that you confirm in writing that you no longer have any involvement with these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MS

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 Experian, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-03 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: 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 Experian, XXXX XXXX XXXX credit report on XX/XX/year> 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 explanation
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report, in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, hence challenging their reportability. I request verifiable evidence for the account 's existence and permissible usage, and if lacking, its removal. Please provide physical documentation of your actions and an updated credit report. 
I kindly remind you to ensure the accuracy and correctness of all claims reported, as mandated by the XXXX XXXX reporting standard. Reporting claims that are known or should be known to be unlawful is inappropriate. I authorize you to send me physical documentation of your actions and an updated credit 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 2025-06-03 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: MA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief