vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute certain credit inquiries listed on my Equifax credit report. I recently reviewed my report and noticed inquiries that I do not recognize and did not authorize. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information, and I request that these inquiries be investigated and removed if found to be unauthorized. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX I never applied for credit or opened credit with these companies nor did I authorize them to access my credit file. Since these inquiries were not approved by me, they should not be reported on my credit history. 

Please conduct a prompt investigation into these inquiries. If you find they were made without my authorization, I request that they be permanently removed from my credit report and that I be provided with written confirmation of the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 CXXXXe XXXXXXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC XXXXb 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Date : XX/XX/year> LVNV Funding LLC Re : Cease and Desist Account # [ Insert Account Number ] To Whom It May Concern, I am writing to formally demand that LVNV Funding LLC immediately cease and desist all communication with me regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you stop contacting me. 

You are hereby notified that : XXXX. You must cease all telephone calls, written correspondence, and electronic communication to my home, workplace, cell phone, email, or through any third party. 
XXXX. If you believe that I owe a valid debt, you are required under the FDCPA to provide written verification of the debt. Until such verification is provided, any attempt to collect is a violation of federal law. 
XXXX. Any further unauthorized contact by LVNV Funding LLC or its agents will be considered harassment and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 
XXXX. I reserve the right to pursue civil action against LVNV Funding LLC for any violation of my rights under the FDCPA, including but not limited to statutory damages, attorneys fees, and costs. 

This letter serves as your final notice. Please confirm in writing that you will comply with this cease and desist request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has reported a charge-off on my credit report, however XXXX XXXX XXXX no longer retains any ownership, rights or enforceable intrest in alleged obligation. Reporting an account as a chargeoff with no ownership constitutes as misrepresentation, this practice is unlawful under FCRA 15 USC 45a- Unfair and Deceptive acts or practices. I want to be clear that EXPERIAN and XXXX XXXX XXXX has violated my rights. I DEMAND YOU PERMANENTLY DELETE AND BLOCK THIS ACCOUNT FROM MY REPORT!! To be clear CEASE AND DESIST ALL COLLECTION EFFORTS AND COMMUNICATION RELATED TO ALLEGED DEBT. 
YOU FAIL TO COMPLY, YOUR SILENCE AND IN-ACTION WILL BE TAKEN AS TACIT AGREEMENT THAT YOU ARE REPORTING ILLEGALLY!!!! 
Account : XXXX XXXX XXXX XXXXXXXX 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 2025-08-29 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: MN

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MN

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> CAINE & WEINER P.O. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute & Validation Demand CAINE & WEINER ACCT # XXXXXXXX XXXX XXXX # XXXX To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : CAINE & WEINER Account # : 1890 * * * * Legal Demands : 1. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation 3. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : XXXX. Conduct investigation within XXXX  days as mandated by law XXXX. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures XXXX. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 

Sincerely, BY : XXXXXXXX XXXX FOR : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-08-29 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:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I am disputing a late payment listed on my account that is inaccurate. Verified documentation confirms that all payments were made on time. The continued presence of this false entry misrepresents my financial responsibility and negatively impacts my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: World Acceptance Corporation
State: FL

Complaint narrative:
I am filing a complaint against XXXX for a fraudulent account being reported on my credit file. 

I have never applied for, opened, or authorized any account with WFC. I had no knowledge of this account until I reviewed my credit report. This account is the result of identity theft or misuse of my personal information, and I should not be held responsible for it. 

Despite this, the account is being reported as if I am responsible, which is inaccurate and damaging. This false reporting has harmed my credit score and made it harder for me to secure housing and support my family. 

Under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX & XXXX ), credit furnishers and bureaus must remove unverifiable or fraudulent accounts. 

I am requesting that the CFPB investigate WFCs reporting practices and ensure this fraudulent account is removed from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this formal complaint regarding unauthorized access to my credit report by several companies. These inquiries were made without my consent and have directly harmed both my credit and credit score. 

Previously, I contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. However, they still remain on my report. This failure to act is unacceptable and raises serious concerns regarding potential identity theft. The continued presence of these inaccurate and potentially fraudulent entries is causing me ongoing financial and emotional harm.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I attempted an authorized purchase with my Citi card to XXXX XXXX, which was declined, so I used another payment method. That same day, I contacted Citi and was told the charge would remain pending until the merchant released or refunded it, or I could dispute. The transaction later posted, so I called Citi again. I was told this occurred because my card was locked, but my card was not locked at the time. I maintain another account with a different bank and have never experienced this issue elsewhere. 

I filed a dispute and submitted the requested documents. I was told a provisional credit would be applied, and on XX/XX/XXXX I received a letter stating that the credit was made permanent and the dispute was closed in my favor. However, on XXXX, the same amount was debited from my account. When I called Citi, I was told I had requested a withdrawal, which I am 100 % certain I did not. I only asked questions during my calls. 

Since then, I have mailed appeal letters, asked for supervisors, and requested that my calls be reviewed, but I have received inconsistent information from every agent. Citi confirmed the funds were not returned to the merchant, and the merchant also confirmed they did not receive them, meaning no refund is possible from their end. Despite this, my account remains debited, even though the funds were not applied to any transaction or returned to the merchant, rendering them improperly withheld and unaccounted for. 

The funds were incorrectly taken, and Citi has not resolved their error. I have been given the runaround for months, and the branches have not been helpful. I am simply requesting that Citi refund the money back to me.

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 monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: CA

Complaint narrative:
Summary : This is a follow-up to my prior CFPB complaint against U.S. Bank XXXX XXXX XXXX. XXXX ). That case was closed, but U.S. Banks responses were factually inaccurate, denied responsibility, and ignored evidence now available. Their mishandling of my VA loan assumption and their wrongful credit reporting caused significant harm to me and my spouse. 

Details : Our VA loan was assumed on XX/XX/2025. U.S. Bank received all executed closing documents on XX/XX/2025 ( confirmed by XXXX delivery receipt and my title company ). Despite this, U.S. Bank falsely claimed for months that they did not receive the required deed until XX/XX/XXXX. 
My timely XX/XX/XXXX mortgage payment was placed in suspense, refunded on XX/XX/XXXX, and reported as delinquent. A second payment made XX/XX/XXXX at XXXX Banks instruction was rejected on XX/XX/XXXX. 
U.S. Bank continued sending delinquency notices, threatened collections, and reported my spouse and me as XXXX days late, causing an average credit score drop of XXXX points. This directly jeopardized our pending home purchase in California and my military security clearance as an active-duty XXXX XXXX XXXX XXXX 
In an XX/XX/2025 phone call, a U.S. Bank representative admitted internally : We admit that this did not happen the way it should we can definitely do better and we should be doing better. They also confirmed the payments were mishandled and that account stops were not applied.

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 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
THIS COMPANY REFUSE TO REMOVE A RENTAL DEBT THAT WAS SETTLE AND HAS NO PROOF OF ME OWNING THAT DEBT AS OF TODAY, THEY HAVE NEVER SENT PROOF THAT I OWE THIS DEBT THEREFORE THEY ARE VIOLATING MY 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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that, under my rights provided by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I demand that Midland Credit Management immediately cease all communication with me regarding the above-referenced account. 
I do not consent to phone calls, letters, emails, text messages, or any other form of communication from your company or any affiliated parties. The only communication I will accept from you in the future is a written notice confirming that you will no longer contact me, or notification of any specific legal action you are permitted by law to take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: TX

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 2025-08-29 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 am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year> -Balance {$1900.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance {$3600.00}

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 reported to be removed/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 XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX 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!

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