vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX has violated my rights, 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 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

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 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial is continuing to report a charged-off account with a claimed balance of {$3600.00}. While they have attached a copy of the Retail Installment Sale Contract ( RISC ) with arbitration provisions, this document only establishes that a loan account once existed. It does not validate or verify the accuracy of the alleged deficiency balance they are furnishing to the credit bureaus. Proper validation requires repossession notices, resale records, and a full deficiency calculation, which have not been provided. Without this, the reporting of the balance is unverifiable and inaccurate under FCRA 607 ( b ) and 611, and unenforceable under UCC Article 9, which requires proper notice of sale and deficiency accounting. The mere presence of a RISC proves nothing about the accuracy or collectability of the current deficiency balance. 

GM Financial is also in violation of XXXX XXXX reporting standards, which require accurate and consistent reporting of charged-off accounts and prohibit re-aging. As of XX/XX/year>, they are still reporting this account as bad debt, which constitutes illegal re-aging and inaccurate furnishing. XXXX XXXX requires the Date of First Delinquency to remain fixed and prohibits furnishers from extending negative reporting through balance adjustments or repeated updates. By failing to validate the debt and continuing to re-age and misreport the account, GM Financial is in violation of both XXXX XXXX standards and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: IA

Complaint narrative:
I recently checked my recent credit report and noticed multiple accounts that do not belong to me harming my profile.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
To Whom It May Concern : I, XXXX XXXX, submit this formal complaint against Discover Bank ( furnisher ) and XXXX  ( consumer reporting agency ) for the unlawful and inaccurate reporting of late payments on a closed Discover account, and for their failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Facts I recently obtained my XXXX  consumer disclosure and observed multiple late payment notations being reported on a Discover account that has been closed. 

I have never received any Negative Information Notice from Discover as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ), which obligates furnishers to notify consumers before or within 30 days of furnishing negative information. 

To date, Discover has not produced proof of compliance with this statutory requirement, and XXXX  continues to publish damaging negative information without proper verification. 

Legal Violations 15 U.S.C. 1681s-2 ( a ) ( 7 ) Failure to provide required Negative Information Notice.

15 U.S.C. 1681e ( b ) Experian failed to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i Failure to properly reinvestigate disputed information. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) CRAs must do more than parrot the furnishers claims ; they must conduct an independent investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Willful failure to follow reasonable procedures creates liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
I noticed earlier in XX/XX/XXXXXXXX  that Department of Education was on my credit report. So I called in saying this is not my debt, it was opened XX/XX/XXXX. I was instructed to contact the creditor to send you the information concerning the debt as to when and amount and to whom. It states US Education. I called them, they sent me only a letter of what is owed, not when it was taken out or opened. It was sent by email. However, my federal student loans were paid back via the IRS by my income tax refunds from XXXX to XXXX. My financial assistance was primarily Pell Grants. I graduated XXXX  years ago .. had no interest returning to college. According to XXXX, my information is on the dark web. This may be someone posing as me.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX made a purchase at XXXX XXXX ( XXXX XXXX XXXX  for XXXX & XXXX  and XXXX. XXXX arrangements for pick up on weekend .. Preform pick up as scheduled, Also was given two different receipts for one purchase ( seemed strange? ).. I only applied for one account on their in store credit card,, XXXX XXXXSynchrony bank account XXXX Moving forward called in first payment XX/XX/XXXX and was advise of extra fee of {$44.00} for account registration. Never talked about at signing. Also while on phone, representative told me if I could pay account in ( full ) the {$44.00} would be waived.. I agreed and paid {$2200.00}... Well that never happen, The {$44.00} was never returned or Credited .. Moving forward Started making ( over ) payment of {$100.00} pre month to finish paying off 2nd balance Of {$1800.00},, Their were 2 bills on one account .. Come to find out that their was a reason for two different bills on one account, Called interest-free loan for 24 month, But only on ( one ) of the purchases .. Come to find out that the {$2200.00} XXXX paid went towards the 24 month interest free, First.. The other part of purchase was only for XXXX. I paid off the remaining balance XX/XX/XXXX with the inflated interest rates of {$480.00} plus My small balance.. Seems to me this is illegal under the credit card act of XXXX,, Switching your payments on deferral ( Interest free ) loams So you default of short terms. Not to mention, Lying for imposing fees returns.. I was told i had 24 month interests free on both from store manager for whole loan ... My fault for not reading all of paperwork.. Please Help : : would like all these illegal fees returned

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 2025-08-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
This debt is listed on my credit report, so I mailed a debt verification letter to the company. The Fair Debt Collection Prtection Act states that I have the right to request and receive validation of this debt. I have not received any information from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MS

Complaint narrative:
THE INQUIRY FROM XXXX XXXX DOES NOT BELONG TO ME. PLEASE REMOVE. I FILED AN FTC PLEASE SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am formally requesting the following documentation as required by law to validate the alleged debt : Complete chain of title/chain of custody from the original creditor to Portfolio Recovery Associates , including all intermediate assignments.

Forward Flow Agreement or equivalent agreement governing the sale or transfer of the account. 

Executed Contract of Assignment or Bill of Sale demonstrating that Portfolio Recovery Associates acquired full legal rights to enforce the account.

Original signed credit agreement and full account-level documentation substantiating the amount and terms of the alleged obligation. 

This demand is supported by XXXX XXXX  Portfolio Recovery Associates , LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which held that failure to produce the chain of title and purchase agreements constitutes insufficient validation under federal law. The court made clear that a mere data printout or internal record does not satisfy validation requirements ; proper documentation of assignment and ownership is mandatory. 

If the requested documentation is not provided through this CFPB process and Portfolio Recovery Associates continues to report this account to credit bureaus or engage in collection activity, such conduct will constitute willful violations of the FDCPA and FCRA. 

Consider this my final notice and intent to initiate litigation in federal court for all applicable claims if full compliance with the law is not achieved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern, I am writing to dispute inaccurate personal information appearing in my credit file. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

The following items are inaccurate and must be removed from my credit report : XXXX. Incorrect Address XXXX XXXX XXXX, XXXX, LA XXXX Address ID # XXXX XXXX. Incorrect Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX My correct personal information is : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX These errors do not belong to me and compromise the accuracy of my consumer file. Under 1681e ( b ), you are required to correct such inaccuracies. 

Accordingly, I formally request that you : 1. Investigate and delete the inaccurate names and address listed above.

2. Send me written confirmation once these items have been removed.

3. Opt me out of all third-party information sharing, marketing solicitations, and promotional lists.

4. Place a security freeze on my credit file to prevent unauthorized access or fraudulent activity.

5. Provide me with updated consumer reports reflecting these corrections and changes. 

Thank you for your prompt compliance with federal law. I expect your office to honor these requests and provide me with confirmation in writing. 

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 2025-08-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern, I am writing to dispute inaccurate personal information appearing in my credit file. Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

The following items are inaccurate and must be removed from my credit report : XXXX. Incorrect Address XXXX XXXX XXXX, XXXX, LA XXXX Address ID # XXXX XXXX. Incorrect Names XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX My correct personal information is : Full Legal Name : XXXX XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX These errors do not belong to me and compromise the accuracy of my consumer file. Under 1681e ( b ), you are required to correct such inaccuracies. 

Accordingly, I formally request that you : 1. Investigate and delete the inaccurate names and address listed above.

2. Send me written confirmation once these items have been removed.

3. Opt me out of all third-party information sharing, marketing solicitations, and promotional lists.

4. Place a security freeze on my credit file to prevent unauthorized access or fraudulent activity.

5. Provide me with updated consumer reports reflecting these corrections and changes. 

Thank you for your prompt compliance with federal law. I expect your office to honor these requests and provide me with confirmation in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 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: GA

Complaint narrative:
There are so many unauthorized inquiries on my TransUnion credit report. 
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

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 2025-08-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Re : Debt Validation Request & Cease and Desist IC System Acct XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ; Reported Balance : {$220.00} ) Dear IC System XXXX Department, I dispute the accuracy and ownership of the above-referenced account and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXXXXXX, and notice of my rights under the Fair Credit Reporting Act ( FCRA ). 
Please provide the following to establish your legal right to collect and report this account : Proof of ownership/assignment showing IC Systems XXXX XXXX to collect ( complete chain XXXX XXXX XXXX XXXX 
Original creditor documentation from XXXX XXXX XXXX linking me to the alleged obligation ( e.g., signed service/financial responsibility agreement ). 
A full, itemized accounting of the {$220.00} balance ( dates of service, charges, credits, adjustments, and any collection/interest/fees ). 
XXXX of identity connecting me to the services billed ( e.g., intake/authorization/visit summary that identifies the responsible party ). 
Evidence that this debt is legally enforceable in Georgia and that your company is authorized to collect here. 
If you have furnished this account to any CRA, documentation of your investigation steps upon receiving a dispute from a CRA ( FCRA XXXX ( b ) ) and confirmation the account is flagged as disputed in all CRA reporting ( FCRA XXXX ( a ) ( XXXX ) ). 
Until such validation is provided, you must cease all collection activity, including calls, letters, and furnishing or re-furnishing information to any consumer reporting agency. If you can not validate, you must request deletion of this account from XXXX XXXX XXXX XXXX and confirm closure in writing. 
Additionally, under FDCPA XXXX ( c ), XXXX XXXX. XXXX ( c ), this letter constitutes a cease-and-desist. Do not contact me regarding this account except to : ( a ) provide the requested validation, or ( b ) confirm in writing that the account has been deleted and that all collection activity has ceased. 
Please respond in writing to the address above within a reasonable period. Retain a copy of this notice for your 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 explanation
Consumer complaint received 2025-08-16 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:
i was looking at my credit report and noticed that there were hard inquires that are not mine on there.

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