vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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:
Upon a thorough review of my recent credit report, I identified significant discrepancies and inaccuracies concerning the reporting of the following account, which do not accurately reflect my true payment history or account status. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} I request that the credit bureau conduct a reasonable reinvestigation and provide documented verification of the account true payment history, status, and balance owed. If the creditor or bureau can not provide clear and verifiable documentation supporting the reported late status, then the inaccurate or unverifiable reporting must be corrected immediately in compliance with the Fair Credit Reporting Act

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 2025-08-21 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:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 explanation
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-08-21 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: LA

Complaint narrative:
This letter is a formal demand regarding the XXXX  information you are associating with my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that any information furnished is accurate and verifiable.

If you are reporting that I have a XXXX, then I require that you provide direct verification from the XXXXXXXX XXXX XXXXXXXX that this information was furnished by them to you. The courts do not report consumer XXXX  directly to creditors or credit bureaus therefore, unless you can prove with written documentation from the court itself that it provided this information to you, you are unlawfully reporting hearsay data that can not be verified at the source.

My demands are as follows : 1. Provide me with official documentation from the XXXXXXXX XXXX XXXXXXXX showing that the court transmitted XXXX  information about me to your institution.

2. If you can not provide such documentation, you are legally required under FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to immediately delete all XXXX  references from your records and cease furnishing this inaccurate information to any credit reporting agency.

3. Provide me with the name, address, and contact information of any third-party vendor, data furnisher, or agency you relied on to report this information so that I may verify its legitimacy.

Please note that under 11 U.S.C. 524 ( a ) ( 2 ), a XXXX  discharge is a permanent injunction against the collection or misrepresentation of debts included in XXXX. Continuing to misreport or misrepresent XXXX  information after discharge is a violation of federal law. 

This is a formal second notice and final warning. If you fail to provide me with court-issued proof within 30 days of your receipt of this letter, I will consider this XXXX  reporting to be inaccurate, unverifiable, and unlawful. I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and I will consider pursuing legal action for damages under FCRA 616617 ( 15 U.S.C. 1681n, 1681o ). 

I expect a full written response within the statutory timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
This letter is a formal demand regarding the XXXX  information you are associating with my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that any information furnished is accurate and verifiable.

If you are reporting that I have a XXXX, then I require that you provide direct verification from the XXXXXXXX XXXX XXXXXXXX that this information was furnished by them to you. The courts do not report consumer XXXX  directly to creditors or credit bureaus therefore, unless you can prove with written documentation from the court itself that it provided this information to you, you are unlawfully reporting hearsay data that can not be verified at the source.

My demands are as follows : 1. Provide me with official documentation from the XXXXXXXX XXXX XXXXXXXX showing that the court transmitted XXXX  information about me to your institution.

2. If you can not provide such documentation, you are legally required under FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to immediately delete all XXXX  references from your records and cease furnishing this inaccurate information to any credit reporting agency.

3. Provide me with the name, address, and contact information of any third-party vendor, data furnisher, or agency you relied on to report this information so that I may verify its legitimacy.

Please note that under 11 U.S.C. 524 ( a ) ( 2 ), a XXXX  discharge is a permanent injunction against the collection or misrepresentation of debts included in XXXX. Continuing to misreport or misrepresent XXXX  information after discharge is a violation of federal law. 

This is a formal second notice and final warning. If you fail to provide me with court-issued proof within 30 days of your receipt of this letter, I will consider this XXXX  reporting to be inaccurate, unverifiable, and unlawful. I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and I will consider pursuing legal action for damages under FCRA 616617 ( 15 U.S.C. 1681n, 1681o ). 

I expect a full written response within the statutory timeframe.

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 2025-08-21 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-21 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
This company is violating my rights and failed to validate my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them, and my rights are being violated. I'm entitled to {$1000.00} for every violation listed. This company needs to either pay me or delete this account immediately. Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
I am disputing the closed negative collection account for XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), you must have a valid permissible purpose to report this account. You have not provided such proof, and without it, continued reporting is unlawful. The only fair resolution is full deletion of this account from all credit bureaus. If this is not resolved, I will escalate to the CFPB, FTC, my State Attorney General, and the XXXX, and will also pursue legal remedies under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
I am disputing the closed negative collection account for XXXX. Under 15 U.S. Code 1681b ( a ) ( 2 ), you must have a valid permissible purpose to report this account. You have not provided such proof, and without it, continued reporting is unlawful. The only fair resolution is full deletion of this account from all credit bureaus. If this is not resolved, I will escalate to the CFPB, FTC, my State Attorney General, and the XXXX, and will also pursue legal remedies under the FCRA and FDCPA.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Notice of unauthorized transaction totaling my statement. Statement should show a balance of XXXX as I have not used or authorized transaction for this account {$1100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: CO

Complaint narrative:
XXXX refused to grant or escalate my request for a one-time unlock exception or XXXX XXXX  eSIM coordination for my XXXX  childs phone, even after I filed an FCC complaint ( Ticket # XXXX ). Despite my documented financial hardship and the fact that the FCC complaint is still active, on XX/XX/2025, XXXX reported my account to collections with Credit Control LLC . This action damaged my credit during a pending regulatory dispute and was retaliatory in nature. I believe this violated fair debt collection practices and represents an unfair, harmful act against a consumer who had an unresolved complaint with federal regulators. 

While XXXX offered me the option to pay off the remaining device balance as a condition for unlocking, the company was fully aware that I had disclosed a financial hardship and could not afford to do so. By escalating the unpaid balance to collections and reporting it to XXXX  during an active FCC complaint, XXXX effectively compounded my hardship, damaging my credit and all but guaranteeing that the balance can not reasonably be paid off. 

This action both denied a one-time exception request based on child safety and created additional barriers to resolution, leaving me with no viable path forward.

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 2025-08-21 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: WA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-21 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-08-21 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: Nelnet, Inc.
State: PA

Complaint narrative:
[ XXXX XXXX ] [ XXXX, Tx ] [ XXXX ] [ XXXX ] Date : [ XXXX/XXXX/205 ] XXXX Department of Education / Nelnet XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Cease and Desist Notice Account Number : XXXX To Whom It May Concern, This letter serves as my formal notice that I request the XXXX Department of Education / Nelnet , including any of its affiliates, agents, or representatives, to cease and desist all telephone calls and non-written communication with me regarding the above-referenced account.

I request that all future communications be made in writing only and sent to my mailing address listed above. Telephone calls to my home, cell phone, place of employment, or to my relatives and references are not authorized.

If this account has been transferred or assigned to a third-party collection agency, please consider this letter notice that I also invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), requiring that all such collection efforts cease, except for the limited purposes of : Confirming that collection efforts are being terminated, or Notifying me of specific legal remedies that you are lawfully entitled to pursue. 
Any further unauthorized contact will be considered harassment and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

This letter constitutes my final notice. Please govern yourselves accordingly. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation