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

Complaint narrative:
I am disputing the reporting of an auto loan account from XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). This account has been charged off but continues to be re-reported monthly with a charge-off status, despite no new activity. This repeated updating artificially re-ages the account and negatively impacts my credit report. 

Additionally, the balance history is inconsistent across all three credit bureaus, and payment activity is not clearly or accurately documented. The account shows a last payment in XX/XX/XXXX, but charge-off reporting persists monthly well into XXXX. 

I have disputed this previously and did not receive proper validation or explanation. This violates FCRA 15 U.S.C. 1681s-2 ( a ) and Metro 2 standards.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I am disputing the reporting of an auto loan account from XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ). This account has been charged off but continues to be re-reported monthly with a charge-off status, despite no new activity. This repeated updating artificially re-ages the account and negatively impacts my credit report. 

Additionally, the balance history is inconsistent across all three credit bureaus, and payment activity is not clearly or accurately documented. The account shows a last payment in XX/XX/XXXX, but charge-off reporting persists monthly well into XXXX. 

I have disputed this previously and did not receive proper validation or explanation. This violates FCRA 15 U.S.C. 1681s-2 ( a ) and Metro 2 standards.

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

Complaint narrative:
Subject : Dispute of Erroneous Accounts on Credit Reports Dear Sir or Madam, I am writing to formally dispute XXXX accounts inaccurately reported on my credit reports : XXXX XXXX XXXX : {$18000.00} This account does not belong to me ; I have never initiated any financial dealings with XXXX XXXX XXXX XXXX. 
Consumer Financial Protection Bureau XXXX Better Business Bureau XXXX XXXX XXXX Credit Card : {$5400.00} I have not made any payments on this account for over XXXX years. Despite this, representatives from XXXX XXXX have been adjusting the dates to suggest recent activity, a practice known as re-aging. 
Legal Grounds for Dispute : Violation of the Fair Credit Reporting Act ( FCRA ) : XXXX U.S.C. XXXX ( b ) : Mandates that credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. The inclusion of an account that does not belong to me indicates a failure to uphold this standard. 
XXXX XXXX. XXXX ( a ) : Specifies that adverse information, such as accounts placed for collection or charged to profit and loss, should not be reported after XXXX years. The XXXX XXXX account, with no activity for over XXXX years, should no longer appear on my credit report. 
XXXX XXXX Violation of the Fair Debt Collection Practices Act ( FDCPA ) : XXXX U.S.C. XXXX : Prohibits the use of false, deceptive, or misleading representations in connection with the collection of any debt. Re-aging a debt to extend its reporting period is a deceptive practice. 
Request : I respectfully request the Consumer Financial Protection Bureau to : Investigate the erroneous XXXX auto loan account and the re-aged XXXX XXXX credit card account on my credit reports. 
Ensure the immediate and permanent removal of these inaccuracies from my credit profiles. 
Confirm that all actions taken comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 
Enclosures : Copies of my credit reports highlighting the disputed accounts. 
Any additional relevant documentation supporting my dispute. 
Thank you for your prompt attention to this matter. I look forward to your confirmation that these inaccuracies have been permanently removed from my credit reports. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-04-09 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: AZ

Complaint narrative:
I kindly ask that you block and remove the unauthorized accounts from my credit file without delay. I have no knowledge of these accounts, nor did I authorize them. Under the provisions of USC 1681g, Im requesting that these be deleted within 15 days. Enclosed are the necessary documents for your review. Please note that the reported information varies between bureaus and appears to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX Carriage XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX Report Date : XX/XX/XXXX Account # : XXXX To Whom It May Concern, I am writing to formally dispute the collection account listed under Monterey Collection Services related to Career Step on my XXXX credit report. This account is invalid and inaccurate for the following reasons : XXXX. The Career Step medical assistant program I enrolled in has been the subject of legal action due to fraudulent and deceptive practices. 
XXXX. I did not receive the services I was promised, and the program failed to meet any educational standards. 
XXXX. As part of a settlement, I received a refund check in the amount of {$420.00}, acknowledging the deceptive nature of the program. 
XXXX. I should not be held responsible for paying any balance for services that were never properly delivered and tied to an organization now under legal scrutiny. 

Attached are : A copy of the refund check I received Any documentation regarding the lawsuit or settlement A summary of my enrollment and issue with Career Step I request that this account be immediately removed from my credit report under the Fair Credit Reporting Act ( FCRA ) guidelines. Continuing to report this debt is inaccurate and misleading, and failure to remove it will leave me no choice but to pursue further legal action. 

Please confirm in writing that this item has been deleted from my credit file. You may contact me via email or mail if additional information is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$400.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XXXX : {$410.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX XXXX Account 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 : XXXXXXXX XXXX Account # : EX/TU : XXXX EQ : XXXX Legal Demands : XXXX. XXXX XXXX requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. 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. XXXX investigation within 30 days as mandated by law XXXX. Provide written response with : o XXXX documentation o XXXX 's name/credentials o Detailed correction procedures XXXX. XXXX updated reports to all recent recipients XXXX 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 : XXXX, XXXX XXXX FOR : 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX XXXX Account 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 : XXXXXXXX XXXX Account # : EX/TU : XXXX EQ : XXXX Legal Demands : XXXX. XXXX XXXX requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. 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. XXXX investigation within 30 days as mandated by law XXXX. Provide written response with : o XXXX documentation o XXXX 's name/credentials o Detailed correction procedures XXXX. XXXX updated reports to all recent recipients XXXX 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 : XXXX, XXXX XXXX FOR : 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 2025-04-09 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: NY

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORT I NOTICED ACCOUNTS THAT WERE OPENED IN MY NAME.

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

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORT I NOTICED ACCOUNTS THAT WERE OPENED IN MY NAME.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CA

Complaint narrative:
On my credit report there is 30 days late on my Discover credit card account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX they contacted my father and discussed my debt. This is a violation of my privacy and borderline stalking. I have paid my debt on time since I have been working with this company, I miss one month and now they're harassing me and my family. This is not okay!

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurated

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 2025-04-09 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 have known that i was a victim of identity theft for about a year. I have been trying and trying to get this fraudulent account removed from my 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 2025-04-09 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: U.S. BANCORP

Complaint narrative:
This has been a lengthy process. The estate was filed prior to the foreclosure. The court authorized me as the personal representative of the estate to sell the home. We contested the foreclosure and were scheduled for a hearing on XX/XX/XXXX2025. The bank and its attorneys postponed this hearing for reasons unknown. The judge has not ruled on our objection to the foreclosure. On XX/XX/XXXX 2025, I contacted the XXXX XXXX XXXX XXXX XXXX to inquire whether the foreclosure had been rescheduled. I was informed that the bank has not pulled the foreclosure sale yet. To my knowledge, they have not rescheduled the hearing regarding our objection. I have an attorney who has been attempting to communicate with their attorney about a payoff and is working with a potential buyer, but they have not responded to us. The bank ( US Bank ) is not the first XXXX holder ; HUD is. They were originally the first  XXXX holder but became the second lien holder in XXXX. I spoke to US Bank on or about XX/XX/XXXX, regarding this property. US Bank refused to speak to me because I have an attorney. They would not provide any information until I mailed all the successor information and deed documents to them. All I needed was information from the bank, but they wouldn't accept an emailed signed court order. In fact, they didn't ask for the court order at all. I sent the successor forms to my attorney on XX/XX/XXXX, that US Bank requested I complete. So, if the attorney won't communicate with my attorney and the bank won't speak to me due to my attorney 's involvement, how are we supposed to resolve this matter? They are not working with us to cure this mortgage. There are financial matters in this estate that could be settled through a sale instead of a foreclosure. I filed a complaint with Colorado 's Attorney General 's office on XX/XX/XXXX, and they currently have my complaint on file. They recommended that I reach out to your organization for assistance.

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 2025-04-09 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) for multiple charge-off accounts that remain on my credit report despite formal disputes. 

The accounts in question are : XXXX XXXX - Account # XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX I previously submitted disputes to the credit bureaus and/or directly to the furnishers, citing FCRA 611 and FCRA 623 ( a ) ( 8 ), yet these accounts remain unchanged and unverifiable.

In addition, if these accounts were the result of identity theft, they should have been blocked per FCRA 605B. I have attached : FTC Identity Theft Report Copy of ID Copy of Social Security Card Legal Document to verify address

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I called company, Transworld Systems I, to obtain information on what this debt is, where it came from. I have no clue what this debt is. I spoke with two people ( both recorded ) and they advised me I would have to pay 1 $ for them to pull up the information. I advised them I was not calling to pay or dispute at the time, just wanted to know what the debt was from. Stated I have two options. 1 to end conversation because without paying they cant help, or 2 to pay the 1 $ so they can pull up my information. Both declined to tell me what the debt is. Refused to give me information without paying.

I have call recordings Im unable to upload-file too big

Company response to consumer: Closed with explanation