vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TN

Complaint narrative:
I am submitting a complaint for the debt collection agency named Procollect Inc. This debt collection agency accepted a false debt from XXXXXXXX XXXX XXXX and placed the debt on my credit report. After contacting Procollect Inc, they refuse to remove the debt. 

This is for a debt that I do not owe. On XX/XX/XXXX I toured XXXX XXXX XXXX. During my conversation with the property staff, they assured me that if I applied for an apartment, the application would be reviewed, and a decision would be made within 2-3 business days. I applied for the apartment on XXXXHowever, the apartment complex did not process my application within 2-3 business days.

After 4 weeks of continuously reaching out to the office staff to ask for an update on my application, they continued to tell me that they have not made a decision regarding if I would be approved or denied. As a result, on XX/XX/XXXX, I requested a refund due to the apartment complex not honoring their agreement and verbal contract to process my application within 2-3 business days. The management team initially refused to refund my payment for my application, and they refused to make a final decision on my application. As a result, on XX/XX/XXXX, I informed my credit card company that I did not receive the service that I paid for due to XXXXXXXX XXXX not processing my application in a timely manner, and a stop payment was placed on my application fees paid to XXXX XXXX. 

After I placed a stop payment on my application fee, and left reviews to let potential futures tenants know about my experience with the company, the management team decided to agree to refund me my money for the application. But by this time, I had already stopped the payment through my credit card company. I never received a refund check from XXXX XXXX due to me stopping my payment, but they are attempting to charge me for fees related to the application that they never processed. XXXX XXXX contacted XXXX to add a delinquent collection to my credit report for fees that I do not owe them. 

XXXX is refusing to remove the collection from my credit report, despite me providing them with proof that XXXX XXXX did not honor their agreement to process the application within the agreed timeframe. Additionally, I also provided Procollect with an email from the property manager informing me that they would agree to refund me and a second email from the property manager stating my account would not be turned over to a collections agency despite me disputing the charge with my credit card company.

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 2025-07-30 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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 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 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 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 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 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 2025-07-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am submitting this complaint regarding the aggressive and unethical billing practices by Experian. I received an email prompting me to update my payment information. When I attempted to log into my Experian account via the website ( I do not use the app ), I was immediately redirected to a payment update screen. There were no options to skip, view my account, cancel the membership, or access any membership or personal information. 

This paywall prevents me from : Canceling the membership Confirming whether Im enrolled in a paid tier Accessing any account information or services It is completely unacceptable for a company managing consumer credit and financial data to restrict user access unless payment is made especially without clearly showing whether a paid service is even active or authorized. 

I am requesting : 1. Immediate cancellation of any current or pending membership or trial.

2. Confirmation that I will not be charged and that any stored payment methods are removed.

3. Full access to my account without being blocked by a payment screen.

If Experian fails to resolve this, I will escalate this complaint to federal and state regulatory agencies.

Please respond with a written confirmation that this matter has been resolved. 

Thank 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 2025-07-30 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
I have thoroughly reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand have identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These negative items are unjustly damaging my credit profile and do not accurately reflect my current or past credit activity. 

Despite my previous attempts to address these issues through formal disputes, I have not received appropriate validation, verification, or correction as required under the Fair Credit Reporting Act ( FCRA ). The following concerns remain unresolved : Late Payments : Several accounts reflect late payments that are inaccurate or outdated. Some have been paid, settled, or are currently in good standing, yet still report derogatory marks. 

Collections : Some collection accounts appear without proper validation of debt or are duplicated across different bureaus with conflicting statuses. 

Charge-Offs : Multiple charge-off entries are reported without supporting documentation, such as a signed agreement or proof of ownership of the alleged debt. 

Repossessions : There are accounts listed as repossessions which do not align with my credit activity or were settled under different terms, lacking documentation to support such severe status. 

Inquiries : Numerous hard inquiries appear on my report that I did not authorize. Under FCRA 604, any inquiry without permissible purpose must be removed immediately. 

Furthermore, some accounts have been marked as dispute resolved consumer disagrees, even though no proper investigation was conducted or documentation provided. 

I am formally requesting immediate investigation and removal of any and all unverifiable, inaccurate, or outdated information in accordance with the FCRA. These errors are directly impacting my ability to secure essential financial opportunities, including housing and vehicle financing. 

Please provide written confirmation of your investigation results within the time frame mandated by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
The presence of this late payment on my report is misleading. Ive consistently paid on time and ask for it to be removed to reflect that.

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 2025-07-31 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:
Given my reliable payment track record, it's frustrating to find a late payment listed. I request a prompt review and adjustment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TN

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2005, Balance : {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Company XXXX XXXX XXXX responded saying they will send a request to dispute with all credit agencies but the collection was only removed from my XXXX  not my Transunion

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 2025-07-30 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: MA

Complaint narrative:
Dear Credit Bureau Legal Team : XXXX Cfpb : I am disputing a 90-day late payment reported by XXXX XXXX on my student loan in XX/XX/year>2025. I was never sent written notice or warning of this delinquency, which is a direct violation of FCRA 623 ( a ) ( 7 ) ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ), requiring notice before reporting negative information. No mailed or electronic alert was provided. Since XXXX, Ive made every payment on time and enrolled in autopay. 

This report is inaccurate, misleading, and legally noncompliant. Under FCRA 611 ( 15 U.S.C. 1681i ), the bureaus must reinvestigate disputed data and delete it if its unverifiable. XXXX has failed to provide validation or documentation of this delinquency. They are required under FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) to investigate and correct or delete inaccurate information. 

Further, because this is a federal student loan, XXXX is also bound by XXXX and Higher Education Act obligations regarding communication and data privacy. Reporting without consumer-facing documentation or notice is a violation of both federal education and consumer protection law.

This derogatory mark is damaging, unsupported, and must be removed. As established in XXXX v. TransUnion and XXXX XXXX XXXX, failure to verify disputed data creates legal liability. I demand immediate deletion of this 90-day late entry and written confirmation that it has been corrected across all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-30 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:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposit track XXXX XXXX2025 from the client name XXXX XXXX for {$3000.00}, first check was put on hold then end up in a fraud department, they suspend the check the refusing to release to me or sent back to XXXX XXXX, I called multiple times. They are very unprofessional, rude prejudiced, today I ask is any other way they can verify the check, this person does have telephone number with XXXX XXXX XXXX. Theyre telling me multiple times they can not connect his name and a telephone number., I expecting this issue to be resolved soon as possible, the account has been closed and money been suspended is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Marcus rejected the online payment I made for our local property taxes using my savings account, resulting in an {$85.00} late payment fee. 

Payment initiated XX/XX/XXXX. 
Notification from the tax collector on XX/XX/XXXX that Marcus rejected the payment due to my account being frozen. As far as I know, my account wasn't frozen, nor was I contacted by Marcus concerning this.

I contacted Marcus in XXXX and was told to mail in proof of the fee to get the {$85.00} reimbursed, but I was not reimbursed. When I called to follow up on XX/XX/XXXX the person I spoke with wasn't sure why it wasn't paid and opened a new request for reimbursement and told I should hear back within 2 business days - I did not. When I called today on XX/XX/XXXX I was told that both requests were declined because Marcus doesn't charge fees.

My complaint is that Marcus blocked my funds from being dispersed as requested, resulting in a fee that they are unwilling to reimburse me for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I had a billing dispute with Spectrum when I closed my account. I talked with them one time and never heard from them again. I believe they sent my bill to IC Systems for collections but have never heard from this company and only saw it on my credit report. My biggest complaint is this bill is from over seven years ago and the debt collector has re-aged it to look like it is two years old.

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