vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
My bank statement shows that the payment was deducted from my account on XX/XX/year> for {$300.00} in which was the amount to pay off the loan. I tried to resolve this by putting in a complaint with the company and was told that they will look at my complaint ticket in the order that it was received, in the meantime they have been trying to deduct another {$300.00} everyday since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Subject : Request for Reopening Complaint ID # XXXX Identity Theft Concerns and Continued Reporting of Invalid Debt Dear Consumer Financial Protection Bureau , I am writing to reopen and supplement my previous complaint ( ID : XXXX ) regarding a debt allegedly owed to XXXX XXXX and reported by ProCollect.

Although ProCollect claims to have mailed me documentation on XX/XX/year>, I never received any correspondence via mail. The only proof I received was an email with a copy of a bill that was not addressed to me and misspelled my last name as XXXX instead of my correct legal name, XXXX XXXX. This alone raises serious questions about the legitimacy of this debt. 

Additionally, the bill lists a service address at XXXX XXXX XXXX XXXX XXXX, TX XXXX, which is a property previously owned by my mother. She rented this home out to others prior to selling it. I did not live at this property during the period referenced on the bill, nor did I open a XXXX account there. I believe this situation may be the result of identity theft or incorrect reporting tied to a former tenant. 

XXXX has already removed this account from my credit report, and XXXXXXXX is awaiting resolution of this complaint before they will do the same. I respectfully request that the CFPB investigate this matter further and instruct ProCollect to remove this invalid debt from my credit report with all bureaus. 

Please let me know if you require any additional documentation or information. I can be reached at : Name : XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Thank you for your time and continued assistance. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Account XXXX # XXXX I am unaware of this debt and did not have the opportunity to dispute this account if you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete the account # XXXX as soon as possible from report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING 15 USC 1681 EB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
On XX/XX/year> I was reviewing my XXXX bureau credit report and to my surprise I discovered 13 Credit cards that I never applied for nor authorized along with 3 fraudulent address, and 26 credit inquiries, These accounts are a FRAUD not open by me nor authorized by me. I contacted all three credit bureaus and have not received an answer as of yet. I have taken steps to file a federal trade commission identity theft report, and I am current filing a police report for Identity theft....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
On XX/XX/year> I was reviewing my XXXX bureau credit report and to my surprise I discovered 13 Credit cards that I never applied for nor authorized along with 3 fraudulent address, and 26 credit inquiries, These accounts are a FRAUD not open by me nor authorized by me. I contacted all three credit bureaus and have not received an answer as of yet. I have taken steps to file a federal trade commission identity theft report, and I am current filing a police report for Identity theft....

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NEW WORLD COLLECTIONS, INC.
State: IN

Complaint narrative:
I had moved out of the property on XX/XX/XXXX. My landlord sold my personal information to a 3rd party collector and took my refundable deposit. The third party, New Worlds Collection, is charging me an absurd amount and duplicated the collection of {$3900.00} and is now {$7800.00} on my credit. XXXX charge of {$3900.00} was charged on XX/XX/XXXX and another {$3900.00} on XX/XX/XXXX. This ruined my credit and I believe is unfair. They took my money and is asking for more, which I cant afford. They have taken my livelihood and now they want scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
ive reached out to both companies and bureaus about the 3 accounts on my credit report that I didn't open nor authorize anyone else to open on my behalf.im a victim of identity theft please that have responded back with accurate because I for got to send 1 Doc then that I have since sent to them and haven't heard from them nor have the items been 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed unauthorize accounts on my credit report I did not approve, and it is damaging my credit and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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

Complaint narrative:
I have no knowledge of an account like this and less that I have a balance in collection. This information was disputed through disputes by credit agencies and it never sent written information referring to the account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
these inquiries are affecting my ability to obtain credit. i need them deleted immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding a debt that was incorrectly attributed to me and then sold to a collection agency. XXXX made a mistake that resulted in this debt being reflected on my credit report, despite the fact that I have no responsibility for this account. 

Over the past few months, I have made numerous attempts to resolve this matter directly with XXXX, speaking with multiple representatives and departments without success. In my most recent call, a representative acknowledged that it was a mistake on their part, but stated they could not take any action because the debt had already been sold to a collection agency. 

It is important to mention that I currently have poor credit and I am enrolled in a debt consolidation program, with plans to begin rebuilding my credit in the upcoming months. This unjust debt, which has been attributed to me by mistake, only worsens my situation, undermining my efforts to improve my financial standing and unnecessarily affecting my credit access. 

This error has negatively affected my credit score and my ability to access credit. I believe this constitutes a violation of my rights under. 

I am attaching any relevant evidence that supports my claim Like several emails sent by them when supposedly they had already solved the problem which was never solved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
To Whom It May Concern : Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), no one is permitted to access my credit report without my written consent or a legally valid permissible purpose. After reviewing my Equifax credit file, I discovered unauthorized inquiries made without my consent or knowledge. 

The following companies have accessed my report without my authorization : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Under 15 U.S.C. 1681e ( b ), you are required to ensure maximum accuracy of the information you furnish. Reporting unauthorized inquiries violates this statute and directly harms my creditworthiness. 

Additionally, under 15 U.S.C. 1681c-2 ( Block of Information Resulting from Identity Theft ), I formally request that you block and permanently delete these inquiries from my credit report. These inquiries were made without my knowledge, approval, or consent and I suspect potential fraud or misuse of my information.

Per UCC 1-308 and UCC 1-103 , I reserve all rights not to be compelled to perform under any contract or agreement I did not knowingly enter. Any unauthorized access to my credit constitutes a commercial injury and violation of my rights under both federal and universal commercial law. 

ACTION DEMANDED : IMMEDIATELY BLOCK AND DELETE the listed inquiries from my Equifax report. 

Provide written confirmation of removal within 15 calendar days of receipt.

Do not respond with a generic stall letter ; failure to comply may result in formal complaints with the CFPB, FTC, and state attorney general.

You are required by law to respond within 15 days under 15 U.S.C. 1681i ( a ) ( 5 ), as this dispute involves information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems , LLC. On XX/XX/year>, I sent XXXX certified letters requesting debt validation for XXXX accounts they claim I owe. 

The USPS Certified Mail tracking numbers are : XXXX XXXX Both letters were returned to me on XX/XX/year>, undelivered, which indicates Jefferson Capital Systems did not receive my validation requests. 

Despite this, these debts continue to appear on my credit report, and alarmingly, the accounts are duplicated, which inaccurately harms my credit score.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request : The exact amount of the debt with a full breakdown ( principal, interest, fees ) The name of the original creditor A copy of the original signed contract or agreement Proof that Jefferson Capital is authorized to collect on this debt An explanation and removal of any duplicate or inaccurate entries on my credit report Until proper validation is provided, all collection efforts must cease. Reporting unverified debts or duplicates may also violate the Fair Credit Reporting Act ( FCRA ). 

I respectfully request the CFPBs assistance to ensure Jefferson Capital Systems properly validates these debts and corrects my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: PR

Complaint narrative:
I was in contact with this company to remove the late payments from my account and also asked to change the status of the account since this property was sold and never received a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I reached out to XXXX in XX/XX/2025 to report fraud via Zelle. Upon reporting the scammer my account was flagged by discover and Zelle. In XXXX of 2025 both companies assured me that the issue was resolved as it was proven that I did NOT commit an act of fraud. 

Now in XXXX my account is flagged again Zelle and XXXX both say they have no way of rectifying this situation. When people attempt to send me money it says that my account is associated with fraud which is defamation of character as it is blatant out right lies.

I would love to take this claim to the next level and finalize some sort of resolution. As a consumer Im being punished for reporting fraud.

Company response to consumer: Closed with explanation