vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
Re : Request for Account Information Account Number : XXXX XXXX - XXXX * * * * Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: WI

Complaint narrative:
An account from Transworld Systems was recently added to my credit report. This account is being reported inaccurately for several reasons : Payment History Misreported The account was previously paid on, yet the credit reporting does not reflect these payments correctly. 

Date Discrepancies There are multiple inconsistencies in the reported dates, including the date of first delinquency and the date of last activity. 

Account Age This account is too old to be reported under the Fair Credit Reporting Acts XXXX limit for negative accounts. 

Overall Accuracy Because of the above discrepancies, the information reported by Transworld Systems is misleading and harmful to my credit profile. 

I am requesting that this inaccurate account be fully investigated and removed from my credit report, as it does not meet the standards of accuracy, completeness, and timeliness required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XX/XX/year> called chase credit to request information on an account ending inXXXX .i requested the date and amount of last payment on this account.. i was informed by a rep i was requesting the information from. she stated, because this account is so long ago, we, do not have the information you is requesting.. i stated, well there is a statute of limitation on this account., she stated i know, but we will still try to collect even if we can't. also, we will keep reporting to credit agencies as due on you. i explained that is against the law. She stated so what. The Company Is Chase Card Service XXXX XXXX XXXX XXXX XXXX Phone-XXXX my name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Been with wells forgo for XXXX and last XXXX have had problems with mortgage and account its like someone else is using it Made XXXX to freedom mirage which my loan has been transferred and not sure why they say I been be hind but can so me where whats happening is that I get so up set with them they hang up or will not help me at all feels almost like they are doing it on purpose me and my family has been here for XXXX and have not missed any payments

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 2025-09-04 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: TX

Complaint narrative:
I am the victim of identity theft, and my credit file contains inaccurate and fraudulent information. 
This is a formal request under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681i ) for immediate investigation, blocking, and removal of the following items : 1. Fraudulent/Negative Accounts Please delete the following accounts from my file, as they are fraudulent and not mine : Student Loan Negatives Depted / Nelnet {$2800.00} balance, XXXX days past due Depted / Nelnet {$5000.00} XXXX, XXXX days past due Depted / Nelnet [ XXXX account XXXX reporting XXXX days past due ] Consumer Finance Negatives XXXX. XXXX XXXX {$1000.00} balance, late payments XXXX. XXXX closed, XXXX days past due ( orig. {$1300.00} ) XXXX. XXXX closed, XXXX days past due ( orig. {$2000.00} ) XXXX / XXXX Negatives XXXX. XXXX XXXX {$0.00} balance, but XXXX & XXXX late history XXXX. AustinCapBk {$0.00} balance, negative history XXXX. Self / Lead {$0.00} balance, negative closure XXXX. XXXX XXXX {$0.00} balance, Experian negative Collections / XXXX XXXX. Pro Collect {$860.00} collection XXXX. Fraudulent Address XXXX XXXX XXXX, XXXX, TX XXXX XXXX. Fraudulent Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX Experian This address does not belong to me and is associated with fraudulent activity. It must be removed from all my credit files. 
Legal Basis FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires consumer reporting agencies to block identity theftrelated information within 4 business days after receipt of identity theft documentation.

FCRA 611 ( 15 U.S.C. 1681i ) : Requires deletion of disputed information that can not be verified as accurate. 
Enclosures XXXX. Copy of government-issued ID 2. 3. 4. Copy of Social Security card Proof of current address ( utility bill, lease, etc. ) FTC Identity Theft Report / Police Report I demand deletion of the above fraudulent accounts and removal of the fraudulent XXXX address. Please provide me with updated credit reports once the corrections are complete.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Company called and asked me to verify my information, I informed the company that I do not verify anything over the phone to anyone who calls me randomly, especially from a phone number I do not recognize. Caller stated that he wants to have a conversation and there is nothing wrong with talking and they have sent me letters, which I have not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$20000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$8100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$5300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group
State: FL

Complaint narrative:
FOSTER AND MONROE LLCis falsely reporting on my credit. I have never had any accounts with them. Per my research FOSTER AND MONROE LLCis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-04 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: PA

Complaint narrative:
* * Subject : * * Escalated Complaint Experian Mischaracterization of Settlement Dispute as Fraud I am submitting this complaint to escalate my prior report against * * Experian * * regarding inaccurate reporting of multiple tradelines, including : * * * XXXX XXXX XXXX * * Potentially Negative * * * XXXX XXXX * * Potentially Negative * * * XXXX XXXX * * Potentially Negative * * * XXXX XXXX  * * Potentially Negative Despite evidence, Experian improperly labeled my dispute as potential fraud rather than conducting a proper * * reasonable reinvestigation * * under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * *. This mischaracterization has the effect of : 1. Ignoring valid documentation 2. Shifting the burden back to me without any factual basis, and 3. Avoiding their statutory obligation to correct or delete inaccurate information.

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must include only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or 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 non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The vehicle was wrongfully sold after the required payment to satisfy the repossession was completed and according to the phone calls made on XX/XX/XXXX at XXXX to verify that you received payment it was confirmed by supervisor XXXX  and he put a release of vehicle in. then later in the day i was told my car was sold. On XX/XX/XXXX i spoke to supervisor XXXX and he informed me that my car is not sold and the computer system was just waiting for the payment to process into XXXX XXXX computer system that he submitted my vehicle release into the que and it should be in and ready to go on tuesday. I call in today and my vehicle release is not in and im being told by supervisor XXXX  that my car was sold for XXXX dolars on thursday after i paid my vehicle monday and he put in the release of vehicle. I talked to the auction place my car is not sold. I was in good communication with this company while my car was repossesed i called several times out the week to try to have them negotiate a lower price i told the company that due to me fleeing XXXX  XXXX with XXXX XXXX  kids things are very difficult on my end that i dont have much money because if the dv situation and having to escape i asked if my fees could be waived or put to the end of the loan they wouldnt budge at all they finally came down XXXX dollars but i couldnt get that much money together with my situation so we went back n forth till they told me two weeks ago that i can do XXXX and that they would give me some time till the XX/XX/XXXX to make payment or call in to let them know whats going on I called on XX/XX/XXXX and they were telling me that that XXXX offer isnt valid anymore that i have to pay XXXX now if i want my car back i got transferred to the supervisor and she lowered it to XXXX and tood me if i dont pay this by the end of day that there going to sell my car i called before they closed to let them know XXXX  was down and when its back up and running i will be making the payment once XXXX  was taking payments again i paid and called first thing XXXX in the morning to confirm payment and get release of vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
This complaint is legitimate and demands urgent attention. My credit report contains multiple unauthorized inquiries by companies I never approved. I previously contacted your agency and was assured these inquiries would be removed ; however, they remain.

This failure to act is unacceptable and raises serious concerns of potential identity theft. The continued presence of these entries is causing ongoing financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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 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. 



XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX 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 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. 



XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX 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 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 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2900.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$1800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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