vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint/ Subject : Dispute of Invalid Rental Debt Reported by Transworld Systems Inc. 

Dear CFPB Representative, I am writing to file a formal complaint against a debt collection agency, Transworld Systems Inc., which is attempting to collect a rental debt of over {$16000.00} that I do not owe and that has not been properly verified. 

Summary of the Issue : I previously rented a home through XXXX XXXX, the only company I signed a lease agreement with. 
XXXX XXXX is no longer operating, and a company called XXXX has also started contacting me regarding this alleged debt. 
I never signed any contract or agreement with either Transworld Systems Inc. or XXXX authorizing them to collect a debt on behalf of XXXX or any successor. 
The amount being claimed over {$16000.00} is not accurate and is not a debt I owe, even based on my original lease. 
Despite requesting verification, I have not received any legitimate proof of the debt from Transworld. They have failed to provide a signed lease agreement, a breakdown of the amount, or any legal documentation proving their right to collect this debt. 
Request for Relief : I am requesting the CFPB to : Investigate Transworld Systems Inc. and any affiliated parties ( such as XXXX ) for attempting to collect an unverified and likely invalid debt. 
Require them to provide full documentation verifying the legitimacy of this debt, including a signed lease or contract and an accounting of the charges. 
Ensure they cease all collection activity until the debt is fully validated, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
Prevent any further reporting of this disputed debt to credit bureaus, or have it removed if already reported. 

Please let me know if you require additional information to support this complaint. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
Im writing to formally dispute an alleged late payment reported on my account. This late payment was reported by [ Creditor Name ] to your agency, [ XXXX XXXX XXXX and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself regarding this account should not be included in my consumer credit 15 identify you and your account. 
HAVE A QUESTION? XXXX XXXX XXXX XXXX  TTY/TTD : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Monday - Friday ( except federal holidays ). 
More than 180 languages available Other taver U.S. Code 1681a ( 2 ) ( AY ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If USAA can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice.

Late Payment ( s ) in Question : Thank you for your prompt attention to this matter. I look forward to your response and tion that the disputed late payment entry has been removed.

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 2025-07-17 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: Experian Information Solutions 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 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
I previous put a complaint on Credit fresh for calling none stop after the fact I ask to be on a do not call list, they Still are calling + and them threatening me about calling a lawyer in the previous complaint on me. Well after I made a report on here CFPB they called the next day and left a message and would not stop calling all day and still calls. This is harassments in all kinds from a settlement company that bought a bill. I uploaded the proof for further documentation. Thank you, Structure settlement is the debt purchaser XXXX. Our Location. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
My personal information was exposed to the XXXX XXXX breach and stolen my identity and I don't recognize these accounts listed XXXX XXXX XXXX XXXX for {$650.00} and XXXX XXXX XXXX XXXX for {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-07-17 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: EQUIFAX, INC.
State: DC

Complaint narrative:
Reporting agency furnished consumer reports. I did NOT give them written instructions to report this information, therefore, this is fraudulent/identity Theft. Under 15 US Code 1681c-2, the consumer reporting agency must block information that I identify as information that resulted from an alleged identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Giggle Finance Inc.
State: LA

Complaint narrative:
I am filing a complaint against Giggle Finance for deceptive and retaliatory practices in connection with a business funding agreement dated XX/XX/year>. 

After submitting a completed application, I was approved for funding and signed a legally binding contract with Giggle Finance. The loan was reflected in my dashboard with a balance of {$520.00} and a repayment amount of {$52.00}. I have screenshots showing the accepted balance, payment schedule, and user ID. 

However, the funds never reached my bank account due to a return error. I immediately notified Giggle Finance and attempted to resolve the issue but they provide no phone support, and all communication was restricted to text messages. I received no meaningful assistance. Instead, I was : Told to wait indefinitely Given conflicting explanations Later threatened with cancellation I continued asking for a resolution. After pushing for transparency, I was told the account name didnt match ( which is incorrect XXXX XXXX name is on the business account ). Then, without any explanation or refund, my dashboard balance was manually erased, and the repayment terms were removed entirely. I have screenshots showing before and after this tampering. 

After asserting my legal rights and informing them that I would report their actions to the CFPB, FTC, and BBB, Giggle Finance responded by accusing me of making threats and flagged my account as high risk, using that as a reason to cancel the agreement altogether. 

This is a textbook example of : Breach of contract Tampering with financial records Retaliation Deceptive business practices I am attaching documentation, including : My signed agreement Email confirmation of approval Screenshots showing the original loan dashboard All communications via text Screenshots of the account balance after it was deleted Their response falsely accusing me of threatening behavior I am requesting : Full investigation and enforcement action A reissue of the original loan per the terms of the signed contract Or a written legal justification for their actions, under penalty of perjury I will also be pursuing legal action independently for damages caused by this breach.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc.
State: KS

Complaint narrative:
Idk who or what this or from what company I've never known this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AR

Complaint narrative:
I am reporting several unauthorized hard inquiries that appear on my Equifax credit report. I did not authorize these companies to access my credit file, nor did I initiate any applications for credit or loans with them. These inquiries are causing unjustified damage to my credit profile. 

Inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the Metro 2 Credit Reporting Resource Guide ( CRRG ) , all inquiries must be reported with a valid and permissible purpose, proper data fields, and verified consumer consent.

These unauthorized inquiries : Lack permissible purpose codes ( such as Code 01 for new credit applications ) Do not have valid consumer authorization Were not initiated by me in any form This results in inaccurate and unverifiable reporting, violating : Metro 2 reporting standards Fair Credit Reporting Act ( FCRA ) 604 ( a ) permissible purpose requirement FCRA 611 ( a ) obligation to delete unverifiable or inaccurate information FCRA 609 ( a ) ( 1 ) right to full disclosure of information in the file Equifax has failed to investigate and delete these inquiries after my dispute. I request immediate deletion of these inquiries and written confirmation of their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I just received notification that there are two accounts w/LVNV reporting as collections on my credit report for all 3 bureaus and I have NEVER received any written correspondence or documentation from them. By law I should've received written documents regarding creditors and given 30 days to dispute but I have not received anything. Immediate removal of all reporting to the credit reporting agencies is requested as they do not legally have the right to report anything on consumer reports without proper process. These are FCRA 623 violations and FDCPA violations if they continue doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the reporting of closed accounts on my Equifax, TransUnion, and Experian credit report. Reporting of closed accounts that are inaccurate, outdated, or misleading constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, especially when those accounts are no longer verifiable or do not reflect current financial obligations. Under FCRA 1681c ( a ), closed accounts with adverse information must not be reported beyond seven years. Continued reporting beyond that timeline, or in a way that misrepresents my credit standing, is both deceptive and unlawful. Additionally, reporting such data without current consent or a permissible purpose may violate the Privacy Act of 1974, which governs how personal information is collected, maintained, and shared. In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that credit bureaus must go beyond the original furnisher and perform reasonable investigations. Any creditor or agency reporting closed or unverifiable accounts without justification may be held liable for damages. I demand the immediate deletion of these accounts and full compliance with applicable federal laws or I will pursue further legal remedies.

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 2025-07-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the reporting of closed accounts on my Equifax, TransUnion, and Experian credit report. Reporting of closed accounts that are inaccurate, outdated, or misleading constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, especially when those accounts are no longer verifiable or do not reflect current financial obligations. Under FCRA 1681c ( a ), closed accounts with adverse information must not be reported beyond seven years. Continued reporting beyond that timeline, or in a way that misrepresents my credit standing, is both deceptive and unlawful. Additionally, reporting such data without current consent or a permissible purpose may violate the Privacy Act of 1974, which governs how personal information is collected, maintained, and shared. In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that credit bureaus must go beyond the original furnisher and perform reasonable investigations. Any creditor or agency reporting closed or unverifiable accounts without justification may be held liable for damages. I demand the immediate deletion of these accounts and full compliance with applicable federal laws or I will pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXXXXXX

Company response to consumer: Closed with explanation