vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance XXXX XXXX, XXXX Account Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding the handling of an account in my name with XXXX XXXX, XXXX ( XXXX ). The details are as follows : XXXX Account Number : XXXX Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX ( Opened XX/XX/year> ) A payment arrangement was previously established with a company by the name of XXXX XXXX, and I have fully satisfied the agreed-upon payment plan for this account. Despite this, I recently received a collection notice from Guglielmo & Associates, XXXX XXXX XXXX, regarding the same account. 

It appears that this account has been sold and transferred multiple times to different companies, despite my completion of the settlement arrangement. This repeated transfer and continued collection activity is not only frustrating but also misleading. Since the debt was resolved, I should not continue to receive collection letters regarding this matter. 

At this time, I am requesting that the CFPB investigate this issue and require XXXXXXXX XXXX XXXXXXXX and its affiliates to : Cease all collection activities on this resolved account. 

Remove the account in its entirety from all of my credit report profiles with the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX ) immediately. 

I have upheld my end of the agreement, and I believe it is unjust and inaccurate for this account to remain on my credit reports or to be pursued further by other entities. 

Thank you for your time and assistance. I respectfully request your prompt intervention to correct this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
I am a victim of XXXX  XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: STL HOLDING COMPANY, LLC
State: LA

Complaint narrative:
I was approved with XXXX  I paid {$2400.00} for upgrade fees and appraisal for the home which was XXXX XXXX I was scheduled too close XX/XX/year> but was changed too XX/XX/year> that was changed then closing cost went from XXXX to XXXX the loan officer was so disrespectful to myself and my mother and talk too us as if we couldnt afford the home I was told he started my approval process all over again when I had already paid and did. My finally work through for the home today XX/XX/year> he calls me and states I was denied due too a check stubb and then states he wasnt for sure if my money would be refunded at this point I felt discriminated and scammed this is the worst loan officer Ive ever had now I have 45 days to find someone too take over the loan due too a XXXX scammer

Company response to consumer: Untimely response
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi, It is impossible to resolve this whole case-Citibank does not want to provide information, and when they do decide to say something, they change everything. It is clearer than ever that Citibank is doing everything possible to steal my money, but I am not going to allow it. Even if years go by, someone will see all my complaints and everything I have reported on my social media. I know this will help me, and Citibank will have to return all my money. By the way, Citibank didn't know that records can be changedit 's already the fifth time Citibank has altered all the numbers and arranged them to their own convenience. One more thing the last time I had access to my account was before that date and since then I have never been able to access it XX/XX/year> at 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-11 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 recently reviewed my credit report and was alarmed to discover entries that I know are inaccurate and do not belong to me. Maintaining an accurate credit history has always been a priority, and seeing these fraudulent items has caused me significant stress and concern. It is clear that I have become a victim of identity theft, as my personal information has been used without my consent. 
One of the items in question is a late-closed account reported under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} * *. I have never authorized this account or had any dealings with this creditor. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. I am requesting a reinvestigation under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and the removal of this inaccurate late-closed account from my report. 
Additionally, there are charge-off accounts reported under XXXX that I never opened or authorized : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * * These accounts are fraudulent and should be permanently removed. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to block all information resulting from identity theft. I also request a full reinvestigation under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) to ensure these false charge-offs are completely deleted. 
I also discovered a hard inquiry on my report from XXXX dated XX/XX/year>, XXXX dated XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> which I never authorized. Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), inquiries must have a permissible purpose. FCRA 619 ( 15 U.S.C. 1681q ) makes it unlawful for any person to obtain a consumer report under false pretenses. This inquiry is fraudulent and should be removed permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
I recently reviewed my credit report and was alarmed to discover entries that I know are inaccurate and do not belong to me. Maintaining an accurate credit history has always been a priority, and seeing these fraudulent items has caused me significant stress and concern. It is clear that I have become a victim of identity theft, as my personal information has been used without my consent. 
One of the items in question is a late-closed account reported under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00} * *. I have never authorized this account or had any dealings with this creditor. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. I am requesting a reinvestigation under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and the removal of this inaccurate late-closed account from my report. 
Additionally, there are charge-off accounts reported under XXXX that I never opened or authorized : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} * * XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * * These accounts are fraudulent and should be permanently removed. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to block all information resulting from identity theft. I also request a full reinvestigation under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) to ensure these false charge-offs are completely deleted. 
I also discovered a hard inquiry on my report from XXXX dated XX/XX/year>, XXXX dated XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> which I never authorized. Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), inquiries must have a permissible purpose. FCRA 619 ( 15 U.S.C. 1681q ) makes it unlawful for any person to obtain a consumer report under false pretenses. This inquiry is fraudulent and should be removed permanently.

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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute of Inaccurate Reporting Account XXXX XXXX  ( XXXX ) To Whom It May Concern, I am writing to formally dispute inaccurate and misleading information currently being reported on my TransUnion credit file regarding the account listed as XXXX XXXX  ( XXXX ). 

XXXX. Basis of Dispute The reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and specifically : 1681e ( b ) TransUnion is required to follow reasonable procedures to assure maximum possible accuracy. Reporting a balance of {$13000.00} past due after the account was charged off and written off is contradictory and misleading. 
1681i ( a ) I have the right to a reinvestigation of disputed information. Your prior completed investigation with consumer disagrees does not satisfy this obligation when clear evidence shows the reporting is inaccurate. 
1681s-2 ( b ) The furnisher of information ( XXXXXXXX XXXX XXXXXXXX ) is obligated to correct or delete inaccurate information after notice of dispute. 

XXXX. XXXX XXXX TransUnion Settlement I am also a class member in XXXX XXXX TransUnion LLC, Case No. XXXX ( XXXX XXXX ), in which TransUnion agreed to a {$23.00} XXXX class action settlement after being found to have violated the FCRA by reporting inaccurate, misleading, or false information. I have received confirmation directly from TransUnion by mail that I was impacted by this unlawful reporting. 

This establishes a pattern and practice of TransUnions failure to ensure accuracy and compliance with the FCRA, further strengthening my claim that the account reporting in question is inaccurate, misleading, and damaging. 

XXXX. Specific Issues with Reporting Account status reflects Charged Off / Written Off while simultaneously listing a Past Due Balance of {$13000.00}, which is factually inconsistent and misleading to creditors and violates the Metro 2 reporting standards. 
Payment history inaccurately shows continuous late payments after the charge-off date, which is prohibited double-reporting and constitutes re-aging of debt. 
Comments note Completed investigation of FCRA dispute consumer disagrees, which fails to resolve the inaccuracies and violates my rights under 1681i ( a ).

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I'll start with this question : Can more than one mortgage servicer be assigned to a loan at a closing on a house? 
On XX/XX/2010 I attended the closing on my home. I was so excited and really didn't know what to expect. Long story short, I remember signing and initialing all these forms and documents with very little understanding of what was happening. though I was rushed in and out, I was told that I would receive copies of all the documents in the mail. Weeks later, I did. It took time to read through everything, and I still had questions. the point of all this is, years later I discovered that the mortgage servicer I started with was not the same one to date. I started with XXXX XXXXXXXX XXXX at my closing, but XXXX XXXX XXXX XXXX XXXX is the company who stepped in at some point, whom I had never received written notification until last year ( XXXX ). XXXX, XXXX XXXXXXXX, XXXX and XXXX XXXX XXXX, XXXX have somehow teamed up together to try to take my home from and sell it. XXXX XXXX XXXX XXXX XXXX is a registered collection agency with the state of North Carolina, and I never signed a contract with them to do business. I have attached some documents and if I need to send additional information, please let me know.

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 2025-09-11 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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