vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I have disputed multiple accounts on my TransUnion credit report several times, including a dispute last month and another dispute about 10 months ago. Despite repeated disputes, TransUnion marked the accounts as verified without providing any documentation. I received only generic responses stating that the furnishers certified the information as accurate, but no signed applications, identity verification records, or account-opening documents have ever been supplied. 

The accounts I am disputing are XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Several of these accounts have already been deleted by other credit bureaus : XXXX and XXXX were removed by XXXX ; XXXX was removed by XXXX  ; and XXXX was removed by both XXXX XXXX XXXX  This inconsistency indicates that these accounts can not be verified. XXXX and XXXX only provided me with statements and receipts, which do not prove account ownership or identity authorization. 

I was also included in the XXXX XXXX XXXXXXXX XXXX Data Breach ( Case No. XXXX ), which means my personal information was exposed and may have been used to open fraudulent accounts. This makes proper verification especially important, but TransUnion continues reporting these accounts without providing proof. 

XXXX only provided sales receipts and delivery confirmation copies, but these documents do not prove that I opened the account, authorized the credit, or verified my identity at the time of purchase. Under the FCRA, a furnisher must provide original signed applications, identity verification records, and account-opening documentation to confirm account ownership. Receipts or delivery slips alone do not establish that I am the person who opened the credit account, especially considering my personal data was exposed in the XXXX XXXX XXXX XXXX XXXX XXXX. 

I am requesting that the CFPB require TransUnion to provide actual verification documents for each accountsuch as signed credit applications, identity-match records, and origination documentsor permanently delete these accounts if they can not be verified under the FCRA.

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 2025-12-03 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have disputed multiple accounts on my TransUnion credit report several times, including a dispute last month and another dispute about XXXX months ago. Despite repeated disputes, TransUnion marked the accounts as verified without providing any documentation. I received only generic responses stating that the furnishers certified the information as accurate, but no signed applications, identity verification records, or account-opening documents have ever been supplied. 

The accounts I am disputing are XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Several of these accounts have already been deleted by other credit bureaus : XXXX and XXXX were removed by XXXX ; XXXX was removed by XXXX  ; and XXXX was removed by both XXXX XXXX XXXX. This inconsistency indicates that these accounts can not be verified. XXXX and XXXX only provided me with statements and receipts, which do not prove account ownership or identity authorization. 

I was also included in the XXXX XXXX XXXXXXXX XXXX Data Breach ( Case No. XXXX ), which means my personal information was exposed and may have been used to open fraudulent accounts. This makes proper verification especially important, but TransUnion continues reporting these accounts without providing proof. 

XXXX only provided sales receipts and delivery confirmation copies, but these documents do not prove that I opened the account, authorized the credit, or verified my identity at the time of purchase. Under the FCRA, a furnisher must provide original signed applications, identity verification records, and account-opening documentation to confirm account ownership. Receipts or delivery slips alone do not establish that I am the person who opened the credit account, especially considering my personal data was exposed in the XXXX XXXX XXXX XXXX XXXX XXXX. 

I am requesting that the CFPB require XXXX to provide actual verification documents for each accountsuch as signed credit applications, identity-match records, and origination documentsor permanently delete these accounts if they can not be verified under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XX/XX/year>, my MoneyGram accountwhich is linked to my debit card and used only occasionally to send money to my family in XXXX hacked. I received a notification from my bank stating that a transfer was rejected due to insufficient funds, even though I always maintain funds in my account. 

When I checked, I saw that multiple unauthorized transactions had been processed through MoneyGram about XXXX minutes earlier. I immediately called MoneyGram ( within XXXX minutes, only because I was placed on hold ), but they told me the receiving bank had already accepted the funds and that little could be done. 

I also discovered an email notifying me that my password had been changed, but I didnt see it until about XXXX minutes later when I tried logging in. 

I acted promptly, but I do not feel that MoneyGram kept my information secure. There were no effective safeguards, and I received no meaningful assistance. Several red flags should have triggered a security hold : my password being changed multiple large transactions sent instantly activity completely inconsistent with my history transfers sent to a country I have never sent money to These were clear scam indicators that were not caught. I am now attempting to contact MoneyGram again to resolve this matter after reporting this to the local authorities ; in hopes to avoid this in the future. Especially because they are a big company with a lot of users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Unauthorized access to my credit report by several companies has directly resulted in harm to both my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. Unfortunately, that assurance has not been honored, as these inquiries persist on my report. This failure to fulfill the commitment is unacceptable. The ongoing presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved matter continues to cause significant emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last XXXX Balance Owed : {$13000.00} late XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX of Last XXXX late XXXX days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX days XX/XX/XXXX, late XXXX days XXXX XXXX not reported in XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last XXXX late XXXX days XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, late XXXX days XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, late XXXX  days XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX days XX/XX/XXXX, XX/XX/XXXX, late XXXX days XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XX/XX/XXXX, late XXXX days XX/XX/XXXXXXXX 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 2025-12-03 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last XXXX Balance Owed : {$13000.00} late XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX XXXX of Last XXXX late XXXX days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX days XX/XX/XXXX, late XXXX days XXXX XXXX not reported in XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last XXXX late XXXX days XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, late XXXX days XXXX, XXXX XXXX, XXXX, XXXX, XX/XX/XXXX, late XXXX  days XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX days XX/XX/XXXX, XX/XX/XXXX, late XXXX days XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late XXXX  days XX/XX/XXXX, late XXXX days XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
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 ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( XXXX ) 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 2025-12-02 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: AL

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 ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( A ) ( XXXX ) 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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/year> To Whom It May Concern : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX Cease & Desist Notice & Demand for Immediate Deletion of Account From Credit Reports Account No. : XXXX Credit Bureau Reporting : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter serves as my formal Cease & Desist notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Effective immediately, you are ordered to stop all communication with me regarding the alleged debt listed above.XXXX. Cease All Contact You are to cease all calls, texts, letters, emails, and third-party contacts except for the single notification permitted by law stating either : that you are ending collection efforts, or that you intend to take specific legal. action. XXXX. Demand for Deletion of Credit Reporting I am formally demanding the complete deletion of this collection account from all credit bureaus ( XXXX XXXX XXXX ) for XXXX or more of the following reasons ( check the ones that apply ) : XXXX  You failed to provide proper debt validation as required under the FDCPA. XXXX You reported the account without validating it first, which violates the FCRA and CFPB reporting standards. XXXX The account is inaccurate, unverifiable, incomplete, or outdated. Your company has engaged in harassing, excessive, or unlawful communication practices. XXXX You are reporting information that can not be verified, which must be deleted, not corrected, under 15 U.S.C. 1681i ( a ) .Under the Fair Credit Reporting Act ( FCRA ), any debt that can not be fully substantiated with proper documentation must be deleted immediately from all consumer reporting agencies. XXXX. Validation Required if You Believe the Debt Is Legitimate If you believe you have the legal right to collect this debt, then provide ALL of the following : Original creditor name Original signed contract or agreement Full accounting of charges, dates, and payments Proof of ownership or assignment of the debt Proof that you are legally licensed to collect in my state Failure to provide these documents means the debt is unverified, and you must notify all credit bureaus to delete the account entirely. XXXX. Notice of Intent to Report Non-Compliance Any continued communication, incorrect reporting, or failure to delete unverifiable information will result in formal complaints filed with : The Federal Trade Commission ( FTC ) My State Attorney General The credit reporting agencies I am keeping full records of all communication attempts and violations. XXXX. Required Response I expect written confirmation from your company stating : XXXX You have ceased all communication XXXX You have notified the credit bureaus to delete the account XXXX You have closed or removed the account from your system Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
DEBT VALIDATION DEMAND ( Full Federal Consumer Law Invocation ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/year> To Whom It May Concern : Lets streamline this engagement : Im initiating a formal compliance checkpoint under federal consumer law. Before anyone talks collections, reporting, or pressure tactics, Im requiring full validation of the alleged debt connected to account XXXX XXXX XXXX 
Under 15 U.S.C. 1692g ( b ) of the FDCPA, all collection activity must pause until you deliver complete validation not summaries, not screenshots, but actual source-level documentation. 
Provide the following, with precision and completeness : XXXX. Proof of Ownership & Authority - The original contract, lease, or agreement bearing my signature. - Full chain of assignment from the original creditor to XXXX XXXX XXXX. - Evidence that you have the legal right to collect in the State of Texas. 
XXXX. XXXX XXXX - XXXX complete breakdown showing principal, interest, late fees, collection fees, and any other charges. - A full payment history from the start of the account. 
XXXX. XXXX XXXX XXXX Required under 1692g ( a ) ( 5 ) : - Name, address, and verification from the original creditor. - Proof this account is correctly attributed to me. 
XXXX. FCRA Compliance Requirements If you have reported, are reporting, or plan to report this account, your obligations under the FCRA include : - 602 ( A ) Information must be accurate. - 607 ( b ) You must maintain procedures ensuring maximum accuracy. - 623 ( a ) ( 3 ) You may not furnish data you know or should know is inaccurate. - 609 ( a ) ( 1 ) I am entitled to all data youve furnished to any credit bureau. - 611 You must investigate disputes properly. If you can not validate this debt with full documentation, you must delete the account from all credit bureaus immediately. 
XXXX. Cease Collection Activity Per 1692g ( b ), until proper validation is supplied, you must cease : - Calling - Emailing - Mailing notices- Updating or reporting the account - Selling or transferring the account XXXX. CFPB Expectations All documentation must be : - XXXX - XXXX - XXXX - XXXX from original source records XXXX. XXXX & XXXX Steps You have XXXX days to deliver the required documentation. If you fail to comply or continue collection efforts without validation, I will escalate with formal complaints to : - The CFPB - The FTC - The Texas Attorney General and pursue all remedies available under FDCPA and FCRA. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation