vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: National Credit Systems,Inc.
State: UT

Complaint narrative:
To Whom It May Concern, Subject : Immediate Demand for Deletion National Credit Systems Unlawful Reporting, Harassment, and Abuse Notice of Pending Legal Action Dear CFPB Officer, I am filing an urgent formal complaint against National Credit Systems ( NCS ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable federal and state consumer protection laws.

NCS has repeatedly engaged in harassment, abusive collection tactics, and unlawful reporting of an alleged debt that I do not recognize, and for which they have failed to provide the required legal validation after multiple requests. Their conduct includes, but is not limited to : Persistent harassment via phone and written communications, Use of threatening and abusive language, Reporting unverifiable and potentially fraudulent information to credit reporting agencies, Ignoring my rights under federal law to validate the alleged debt, and Willful intent to damage my creditworthiness and personal reputation. 

These actions are illegal, unacceptable, and will not be tolerated. 

I am hereby formally demanding that all references, tradelines, and any other negative reporting associated with National Credit Systems be IMMEDIATELY and PERMANENTLY deleted from my credit reports with Equifax, Experian, and TransUnion.

If NCS fails to remove the erroneous reporting within fifteen ( 15 ) days of this notice, I will proceed with the following actions without further warning : Filing a lawsuit in state and/or federal court seeking the maximum damages allowable under the FDCPA, FCRA, and other applicable statutes, Filing formal complaints with the FTC, the Attorney Generals office, and other regulatory bodies, and Seeking punitive damages for willful misconduct, emotional distress, and damage to my financial standing. 

This is a final notice before initiating legal proceedings. I am fully prepared to pursue all available remedies to protect my consumer rights. 

Attached are supporting documents regarding this dispute. I expect this matter to be thoroughly investigated and resolved immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 am filing this complaint against TransUnion Consumer Solutions for serious violations of the Fair Credit Reporting Act ( FCRA ) and California consumer protection laws. 
Upon reviewing my TransUnion credit report, I discovered major inaccuracies : An incorrect " Also Known As '' ( AKA ) name : " XXXX XXXX '', which I have never used or been associated with. 
An incorrect past address : " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX '', which was reported on XX/XX/XXXX. 
At the time this address was added to my file, I was a newly legal adult, XXXX XXXX XXXX, and still a XXXX XXXX XXXX. I never lived at that XXXX address, nor did I authorize any transactions, leases, or credit applications tied to that location. Given my age, my vulnerable XXXX XXXX  status, and lack of any connection to that address, I strongly suspect this information may have been the result of identity misuse, fraud, or data errors unknown to me at that time. 
Furthermore, my personal identifying information was later compromised during the XXXX XXXX  Data Breach ( XXXX XXXX : XXXX ), during which my Social Security Number, address history, and other sensitive data were exposed. As a result of this breach, I no longer have confidence in the reliability or accuracy of any negative tradelines reported to my file after XXXX. 
Negative accounts appearing on my report including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX are associated with a file contaminated by false personal information and known data breach vulnerabilities. 
I have formally disputed these inaccuracies with TransUnion and demanded : Deletion of the false name and false address, Deletion of all derogatory tradelines reported after XXXX or linked to unverifiable information, A full reinvestigation under heightened verification standards required by FCRA and California law. 
Despite these facts, TransUnion has failed to correct these issues, causing me reputational harm, financial harm, and emotional distress.

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 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
Credit collection services texted me at XXXX regarding debt on XXXX. There is no amount listed on the text. I never accepted any communication to them or anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
my personal information was sold by XXXX XXXX, but Transunion, Equifax, and experian decided to place an account that's been " investigated and removed by each of them '' my personal information has been obtained by multiple collection agencies about thid alleged debt. the collection agency " XXXX '' is backing off by saying Our client has advised us that to resolve this matter they are terminating collection efforts on the debt. also XXXX XXXX has stated " XXXX requested and recieved validation information '' which is a telephone bill this isn't validation of debt therfore they decided to cease and desist further communication referenced to this alleged debt. 



Subject : Dispute of Alleged Debt, Unauthorized Sharing of Personal Information, and Request for Written Confirmation Account : XXXX XXXX To Whom It May Concern : I am contacting you regarding the above-referenced matter. I recently filed a formal complaint concerning the unauthorized transfer and handling of my personal information in connection with this alleged debt. Experian, Equifax, and Transunion not proplerly investigating, or informing myself about this debt being placed on my credit report within 5 days being that it wad once investigated and said by the credit agencies they've found inaccuracies which caused a deletion, but now it's placed back in my credit report with the dame inaccuracies which is a violation of the FCRA. 


I did not authorize the sale or transfer of my personal information to multiple agencies, and I maintain that I do not owe the alleged debt. Please consider this a formal dispute of the alleged account, and a demand for a complete cessation of all collection activities, communications, and any data sharing. I ask that this account be removed from my credit report Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws, failure to comply with these requests may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

I expect a full written response within 30 days confirming the closure of this matter. 

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 non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I am submitting this formal complaint regarding the unexpected and unexplained deactivation of both my Wise personal account and my Wise business account registered under XXXX XXXX XXXX, a U.S.-based company. 

Business Account XXXX XXXX XXXX ( XXXX XXXXXXXX ) Several weeks ago, Wise requested verification of my business address. In response, I submitted a business bank statement that included the required address details. As an additional measure, I also provided the rental contract for the business premises. Shortly thereafter, I noticed that my address was marked as verified within my Wise dashboard, and I assumed the issue had been resolved. However, I received no confirmation from Wise at the time. 

A few days ago, I randomly discovered that my business account had been silently deactivated. I was not notified by Wiseneither via email nor through the platform. I am now unable to send or receive any payments, nor can I exchange currencies within the account. After contacting customer support, I was informed that the issue is under review, but no clear explanation has been provided. I also submitted an official complaint via XXXX internal process, but have not received any meaningful response. 

Personal Account In parallel, my personal Wise account has also been deactivated under similar circumstances. I was asked to verify my residential address before a money transfer could be processed. I submitted a bank statement clearly showing my name and address. The transfer was subsequently processed, and a message within the platform confirmed that I had been verified. 

Despite this, a few days later, I randomly discovered that my personal account had also been blockedagain without any prior notice or explanation. I was not informed by Wise, and only noticed the issue when attempting to use the account. Like with my business account, I reached out to support and submitted a formal complaint, but have not received a proper response or justification. 

The lack of transparency, absence of notification, and unresponsiveness from Wise have caused significant disruption to both my personal and professional financial operations. In both cases, I fulfilled the requested verification procedures in full, and yet I was left uninformed and locked out of my accounts without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-28 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: AL

Complaint narrative:
Subject : Intent to File Lawsuit : Equifax and XXXX XXXX - Failure to Correct Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding Equifax and XXXX XXXX for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Over the past several months, I have physically mailed over five ( 5 ) dispute letters to Equifax requesting the removal of XXXX XXXX from my credit report due to inaccurate and inconsistent reporting. In every dispute, I submitted : Proof of payment records from XXXX XXXX showing that the reported late payments did not match my actual payment history. 

Evidence of conflicting information being reported to each credit bureau. 

Documentation of reporting errors, including instances where XXXX XXXX reported me as 60 and 90 days late without any prior 30-day late payment, which is impossible. 

A copy of my contract with XXXX XXXX, which does not authorize them to report my personal information to credit bureaus another violation. 

Each time, Equifax responded stating that XXXX XXXX verified the account as accurate. However, they also updated and changed payment dates and statuses after my disputes, which clearly shows the original reporting was inaccurate. Despite these updates, Equifax claimed they would no longer investigate XXXX XXXX and would treat future disputes as frivolous, while simultaneously allowing material changes to the account. 

I have meticulously tracked all changes Equifax and XXXX XXXX made during each dispute cycle and have kept proof of every response. Their actions verifying inaccurate data, refusing further investigation, and continuing to update disputed information without proper resolution violate multiple provisions of the FCRA and CFPB guidelines. 

At this point, I am notifying you and Equifax and XXXX XXXX that : If this account is not immediately removed from my Equifax report And XXXX XXXX is not prohibited from future reporting on my profile I will proceed with filing a lawsuit under FCRA violations. I intend to use the CFPB as a material witness through the documentation of the multiple complaints and evidence I have submitted. 

I respectfully request that CFPB intervene and ensure that Equifax and XXXX XXXX comply with federal law by deleting the inaccurate account information and ceasing any further unauthorized reporting. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I am filling to formally address discrepancies noted on my credit report and respectfully request a fair and thorough resolution.Please review and verify the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last four digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to ensure my report accurately reflects the truth. 

Specifically, I request a detailed review and reinvestigation of the following accounts : XXXX XXXX XXXX Balance {$17000.00} LATE : XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXXXX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXBalance : {$9700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
I have had multiple issues with this company. They have acted in bad faith on multiple occasions. First, they closed and account in good standing after sending only 1 letter via snailmail which was never received, all while making no other attempts to alert me to the fact that my account was in jeopardy despite having all forms of contact available and having expressed consent to contact me regarding my account. Now, they have charged me illegitimate late fees on XXXX seperate accounts that again are both on autopay and in good standing. They refuse to reverse the late fees, despite having the correct account information and everything. This all has done significant damage to my credit, and has cost me extra in illegitimate late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

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. 

XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 2025-04-28 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: IL

Complaint narrative:
my personal information was sold by XXXX XXXX, but Transunion, Equifax, and experian decided to place an account that's been " investigated and removed by each of them '' my personal information has been obtained by multiple collection agencies about thid alleged debt. the collection agency " XXXX '' is backing off by saying Our client has advised us that to resolve this matter they are terminating collection efforts on the debt. also XXXX XXXX has stated " XXXX requested and recieved validation information '' which is a telephone bill this isn't validation of debt therfore they decided to cease and desist further communication referenced to this alleged debt. 



Subject : Dispute of Alleged Debt, Unauthorized Sharing of Personal Information, and Request for Written Confirmation Account : XXXX XXXX To Whom It May Concern : I am contacting you regarding the above-referenced matter. I recently filed a formal complaint concerning the unauthorized transfer and handling of my personal information in connection with this alleged debt. Experian, Equifax, and Transunion not proplerly investigating, or informing myself about this debt being placed on my credit report within 5 days being that it wad once investigated and said by the credit agencies they've found inaccuracies which caused a deletion, but now it's placed back in my credit report with the dame inaccuracies which is a violation of the FCRA. 


I did not authorize the sale or transfer of my personal information to multiple agencies, and I maintain that I do not owe the alleged debt. Please consider this a formal dispute of the alleged account, and a demand for a complete cessation of all collection activities, communications, and any data sharing. I ask that this account be removed from my credit report Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws, failure to comply with these requests may result in further action, including complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

I expect a full written response within 30 days confirming the closure of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation