vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: LA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If an item is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete or modify that item.

Please remove the following accounts from my credit report immediately. These items are outdated, inaccurate, and/or unverifiable. 



Negative Accounts to Remove : 1. XXXX XXXXXXXX XXXX XXXX Account Type : Auto Loan Status : Charged Off {$17000.00} written off Balance : {$21000.00} Original Balance : {$37000.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX 2. XXXX XXXX  Account Type : Credit Card Status : Charged Off Balance : {$5500.00} Original Balance : {$5500.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX 3. XXXX XXXX XXXX XXXX Account Type : Collection ( Original Creditor : XXXX XXXX ) Status : In Collections Balance : {$150.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX 4. XXXX XXXX XXXX XXXX Account Type : Collection ( Original Creditor : XXXX XXXX ) Status : In Collections Balance : {$1300.00} Date Opened : XX/XX/XXXX On Record Until : XXXX XXXX 5. XXXX XXXX XXXX Account Type : Collection ( Original Creditor : XXXX XXXX XXXX XXXX ) Status : In Collections Balance : {$630.00} Date Opened : XX/XX/XXXX On Record Until : XX/XX/XXXX 6. XXXX XXXX XXXX Account Type : Debt Buyer / Collection ( Original Creditor : XXXX XXXX XXXX XXXX  ) Status : In Collections Balance : {$1500.00} Date Opened : XX/XX/XXXX On Record Until : XXXX XXXX 7. XXXX XXXX XXXX Account Type : Paid Collection ( Original Creditor : XXXX XXXX ) Status : Paid but still reporting negatively Balance : {$0.00} Original Balance : {$510.00} Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX 2021

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Cavalry XXXX XXXX XXXXXXXX XXXX, CT XXXX Account # XXXX Dear Cavalry, Subject : Debt Validation Request I am writing to request validation of the debt that you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof of the debt and verification of your authority to collect it. Please provide the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A copy of the original agreement or contract that I signed.

4. Proof that you are legally authorized to collect this debt.

Please consider this letter as a formal request for validation and verification of the debt in question. I request that all communication regarding this matter be in writing and sent to the address provided above.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains several inaccuracies that fail to meet the federally mandated standard of maximum possible accuracy, as required under the Fair Credit Reporting Act ( FCRA ). 

These reporting errors are causing ongoing and significant harm to my financial standing, as well as personal stress during an already difficult time. The burden of these inaccuracies is unjust and unacceptable.

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 2025-07-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
The company they claimed they were going to negotiate my accounts and told me to stop paying those accounts immediately. 

At that point, interest began accruing very rapidly, as well as many additional fees. 

Company specifically said then it was okay to take out additional loans and that they would add those to the amount being negotiated. 

After no action had occurred for 2 weeks, I contacted them and was told that they would not negotiate any settlements, until I had paid them an adequate unspecified amount of money.

When I asked how much this was they couldn't answer. And when I asked them about the rapidly growing fees and penalties being accrued, they said it was their not their to negotiate settlements until they had been paid first.

I asked for a recording of my initial intake.And they refuse to provide it. I explained that none of this had been explained up front and that they had walk me through a very elaborate sign up process and never explained that fees would be required before negotiation, or fees would be required setting up my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
The accounts listed are the result of fraudulent activity and were not authorized by me. As required under USC 1681g, I demand their removal within 15 days. Supporting materials are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved.

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 2025-07-29 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 kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a warning from U.S. Bank that my credit card account would be closed due to inactivity if no purchases were made by XX/XX/year>. I did not have access to the card at the time, so I called U.S. Bank customer service that same day to clarify what I needed to do to ensure my account remained open. During that call, I ordered a replacement card and explicitly asked what steps were necessary to prevent account closure. The representative assured me that as long as I made a purchase as soon as I received the new card, the account would remain open. Based on that assurance, I believed the matter was resolved. 

On XX/XX/year>, after receiving the replacement card, I made a purchase of {$54.00}. That transaction went through without issue, further confirming that the account was still active. I then paid off the full balance around XX/XX/year>. At no point after the initial XX/XX/XXXX warning did I receive a closure confirmationno email, no mailed notice, and no alert through the U.S. Bank portal. 

Through at least late XX/XX/year>, I continued to see the account within my U.S. Bank online portal. It was only within the past week ( XX/XX/year> ) that I logged in and noticed the account had disappeared. I checked my XXXX XXXX account ( XX/XX/year> ) and saw that it was reporting an account closure due to inactivity, which was a surprise. I immediately contacted U.S. Bank and was escalated multiple times. While one representative acknowledged that it was odd and unusual that I had been able to make a purchase and payment after the supposed closure date, no one has taken responsibility or offered a resolution. I was told, ultimately, that nothing could be doneeven though I clearly acted based on the banks own instructions, and there was no formal closure notification. 

This was not a delinquent account, and I had taken every step required to prevent closure, including actively engaging with customer service and using the card in good faith. Ive now suffered a negative credit impact because U.S. Bank mishandled this case and provided misleading or inaccurate guidance. I have been given no support or options for resolution despite doing everything I was told.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
b'please read MGL 93a documents sent to Wells fargo\n\nMASSACHUSETTS DEMAND LETTER | OFFICIAL 30-DAY NOTICE\nChapter 93A, Section 9 (Consumer Protection Act)\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWell Fargo Bank\nRetail checking\n\nDear Merchant,\n\nUnder the provisions of Massachusetts General Laws, Chapter 93A, Section 9, I hereby make written demand for relief as outlined in that statute.\n\nOn or about XXXX XXXX XXXX the following unfair or deceptive act occurred: ___XXXX XXXX XXXXn\nAs to account # XXXX, the account was debited for XXXX on XXXX XXXX XXXX labeled final debit  ref # XXXX XXXX, the money was taken from  my account to be returned to the sending bank, the money was never received by the receiving bank and after 10 plus calls to Wells Fargo who initiated the debit and transfer \n\nThis unfair or deceptive act or practice is, in my opinion, declared unlawful by Section 2 of Chapter 93A,\n\nAs a result of this unfair or deceptive act or practice, I suffered injury or loss of money as follows:\n\nLoss of XXXXXXXX XXXXTherefore, I hereby demand the following relief:\n\nImmediately credit my account for XXXXChapter 93A gives you the opportunity to make a good-faith response to this letter within thirty (30) days. Your failure to do so could subject you to triple damages, attorneys fees and costs if I decide to institute legal action.\n\nSincerely, 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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

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

Company 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 2025-07-29 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Everything on FTC and PDF is fraud Remove immediately!

15 USC 1681c-2 I did not authorize. Block Remove 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 2025-07-29 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding Account Name : XXXX, Account No : XXXX. This account shows a charge-off for {$56.00}, despite showing no late payments or payment history. I was never contacted or sent any notices regarding the delinquencies or charge-off. 

There is no detailed payment history or due process provided. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, I should have received written notice of default, charge-off, or any attempt to collect before being penalized on my credit files. 

This reporting is : Incomplete ( no payment activity ) Inaccurate ( shows charge-off without ever going delinquent ) Potentially in violation of FCRA 1681i and FDCPA 809 ( Validation of Debt ).

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