vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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.

15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-07 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: TX

Complaint narrative:
I dispute the validity of this debt and request that you provide validation and documentation to prove the legitimacy of the amount you claim I owe.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the alleged debt.

Please provide me with the following information : The original creditor 's name and contact information.

A copy of the original agreement, which includes my signature, proving that I am responsible for this debt.

A detailed account statement showing the full amount owed, including any fees, interest, or other charges.

Proof of your legal authority to collect this debt in my state of residence.

Documentation showing that the statute of limitations on this debt has not expired. Please note that reporting inaccurate or unverified information to the credit bureaus is a violation of the Fair Credit Reporting Act ( FCRA ). Until you provide the requested documentation, I request that you cease all collection activities and remove any negative reporting related to this account from my credit report. If you are unable to provide the requested documentation, I kindly request that you close this account and remove any negative reporting from my credit report. If you continue to pursue this debt without providing proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After looking over at my report I saw hard inquiries that are not mine or authoirzed by 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 non-monetary relief
Consumer complaint received 2025-11-07 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 dispute this account because it does not belong to me and is being reported in error.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

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 2025-11-07 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: NV

Complaint narrative:
I made the first request to remove credit reports, but I didn't have enough knowledge to remove the right reports and keep the correct ones. I'm removing the ones I don't recognize and didn't authorize ; the others belong to my personal vehicle and credit card accounts. Below are the reports to be removed. 

Please be attentive to the correction to avoid deleting reports with active and functioning accounts, awaiting your response confirming receipt and analysis. 

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 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 2025-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Subject : Complaint Regarding Inaccurate Debt Amount and Deceptive Settlement Offers - Account Number : XXXX Dear CFPD I am writing to formally dispute the amount the company claims I owe on the above-referenced account. I believe the bill is for more than the actual amount owed, and the company 's attempts to make me settle for this incorrect, inflated amount are unfair and deceptiveXXXX XXXX ], I received email from One main stating that I owe {$20000.00} However, my records indicate that the correct amount owed is only {$15000.00} they added extra XXXX for legal fees {$17000.00} I have tried to resolve this by disputing this matter on my credit report they keep sending it back as debt validate accurate, but the company One main has continued to demand I settle for the incorrect, higher amount. This practice is a violation of the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting that the error be corrected and that the balance be adjusted to the accurate amount of {$0.00} and be removed from my credit report. I've Enclosed are copies of documents supporting my position, including original bill from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting this complaints to formally dispute an inaccuracy on my credit report concerning the account referenced as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was opened on XX/XX/XXXX. Upon reviewing my credit report, I noticed that the payment status for this account has been reported incorrectly. It reflects several instances of late payments, including 30-day late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, XXXX late in XX/XX/XXXX, 60-day late in XX/XX/XXXX, 30-day late in XX/XX/XXXX, 60-day late in XX/XX/XXXX, and 30-day late in XX/XX/XXXX. However, I maintain a diligent record of my payments, and I believe that this information is either incorrect or has been reported inaccurately. 
As a responsible consumer, I am entitled under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I respectfully request that you conduct a thorough investigation of this account, as I believe these reported late payments are erroneous and significantly impact my creditworthiness and financial opportunities. 
Under FCRA 1681i, you are required to investigate disputes and correct any inaccuracies in a timely manner. The FCRA mandates that all information on a consumers credit report must be accurate, complete, and verifiable. It is the responsibility of the reporting agency to ensure that all data provided is correct and that any disputed information is thoroughly reviewed. Furthermore, FCRA 1681e ( b ) requires that consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information reported. 
I also understand that under FCRA 623 ( a ) ( 1 ) ( A ), creditors and furnishers of information are required to report accurate and timely details to the credit bureaus. If it is found that any information is inaccurate, it should be corrected promptly. Under FCRA 1681c, inaccurate information that no longer reflects the true state of the account should not continue to be reported.

Additionally, the FCRA ensures that outdated or erroneous information is not reported, particularly if it does not accurately reflect the terms of the credit agreement or my payment history. Under FCRA 605 ( c ), any negative information that is not properly substantiated or that is outdated must be excluded from my credit report. Given that I have been diligent in managing my financial obligations.

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Product : Credit card Issue : Dispute or billing error Company : Wells Fargo Bank , N.A . 

What happened : In XX/XX/, I was charged {$240.00} by XXXX for a ticket sale that I believed I had already removed from their platform. I never delivered or received any tickets or services for this transaction, and I disputed the charge with Wells Fargo shortly after noticing it. 

However, Wells Fargo closed the dispute on XX/XX/XXXX  ( Dispute # XXXX ), stating that too much time had passed between the merchants response and mine. The letter said the bank could not further assist in obtaining a credit due to the amount of time that had lapsed, and the charge was reinstated. 

I am requesting that Wells Fargo reopen or re-evaluate my dispute, because the case was closed due to a timing issue rather than a fair review of the facts. I have new supporting information showing that : I had removed the XXXX listing before the supposed sale occurred. 

XXXX non-delivery charge was incorrectly applied, since no confirmed sale should have existed. 

The merchant has already declined to refund me, even though they appear to have been fully reimbursed by the buyer. 

I understand banks have strict chargeback deadlines, but my dispute was not reviewed on the merits it was closed because I did not respond quickly enough at the time. I believe this is an unfair outcome given that I have clear evidence the merchants charge was improper.

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 2025-11-07 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: TN

Complaint narrative:
I am submitting this complaint to dispute an entry related to the account reported by XXXX ( Account Number : XXXX ). Upon reviewing my report, I have found discrepancies that require correction. 
The account in question, listed with a balance of {$0.00}, shows late payments from XX/XX/2023 ( 30 days late ) and XX/XX/2023 ( 60 days late ). However, I believe the accounts status is not being accurately reflected, and I respectfully request that this issue be investigated and corrected. Additionally, I would like to highlight that this account is open to other bureaus, yet the status reported by Experian does not reflect this. 
As required under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to a fair and accurate credit report, and I expect that the disputed information be thoroughly investigated within the timeframes stipulated by the law. Any inaccuracies in this regard not only violate my rights but also unfairly harm my creditworthiness. 
Moreover, FCRA 623 ( a ) ( 2 ) mandates that the furnisher of this information, XXXX is obligated to report accurate and up-to-date data. The incorrect reporting of this accounts payment status directly violates this responsibility and calls for immediate action to ensure my credit report is corrected. 
In addition, FCRA 602 emphasizes that one of the primary purposes of the FCRA is to maintain accurate and fair credit reporting. As a consumer, I rely on this law to ensure that my credit history is properly represented, and I am requesting your prompt attention to this matter so that any potential damage to my credit profile is avoided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the charge-off accounts currently being reported on my XXXX  credit report. 
Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, I am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report. 
Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.

Failure to remove unverifiable, inaccurate, or misrepresented charge-off data within the 30-day reinvestigation window will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. I expect immediate deletion or documented proof of lawful reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XX/XX/year> I lost my wallet, it has driver 's license, passport, social security, voting card, credit card, health card and bank card. I have never rented a house from these people, show an address I had in this house, I am a victim, they used my information, they made loans in my name, they filed my tax return, just be present when I file my tax return I always use identity theft pin, I do not report it to fix my credit, I am a victim, scammer used my information, I do not know about such things, I have my own house

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports today, and I can not understand why. The inaccurate late payments were not removed even after refreshing my browser. I urgently request that the documents I submitted be reviewed carefully so I never have to worry about this again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute several accounts listed on my Experian credit report that have been paid in full or resolved, yet are still being reported as negative. Since these accounts have been satisfied, I respectfully request that they be removed from my credit report to reflect accurate and current information. 
The accounts in question are : XXXX. XXXX XXXX XXXX XXXX  - Date Opened : XX/XX/XXXX - Status : Account charged off. {$460.00} written off. 
- Request : This account has been paid/settled and should no longer appear as a negative item. 
XXXX. XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Status : Paid, Closed. 
- Request : This account is paid and closed ; please remove it to ensure my report reflects positive and accurate information. 
XXXX XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Status : Collection account. {$900.00} past due as of XX/XX/XXXX. 
- Request : This account has been paid/resolved ; please update or remove this item accordingly. 
XXXX. XXXX XXXX XXXX- Date Opened : XX/XX/XXXX - Status : Collection account. {$1800.00} balance. 
- Request : This account has been paid/settled and should be deleted 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I authorized a monthly payment in the amount of {$500.00}. On XX/XX/year> they withdrew two payments in that amount. I have contacted them multiple times and they have acknowledged a system wide problem where they withdrew multiple payments from many customers. They have not offered a solution. I've been hung up on. They've refused to offer my money back. My checking account is now {$500.00} lower than it should be and I'm facing financial penalties they are not offering to pay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My original creditor was XXXX XXXX XXXX. They went out of business and I was mislead to believe that I had to pay XXXX XXXX. I was able to obtain my title form South Carolina XXXX based on the fact that XXXX XXXX XXXX went bankrupt. XXXX XXXX is on my credit report as charged off and numerous late payment when they never should have been on my report at all. This was for a XXXX XXXX XXXX bought in XXXX and the lien from XXXX XXXX was removed and the title is solely in my name and tags and registration.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My original creditor was XXXX XXXX XXXX. They went out of business and I was mislead to believe that I had to pay XXXX XXXX. I was able to obtain my title form South Carolina XXXX based on the fact that XXXX XXXX XXXX went bankrupt. XXXX XXXX is on my credit report as charged off and numerous late payment when they never should have been on my report at all. This was for a XXXX  XXXX XXXX bought in XXXX  and the lien from XXXX XXXX was removed and the title is solely in my name and tags and registration.

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