vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
Subject : Formal Complaint Regarding Obsolete Information on My Credit Report - Violation of 15 U.S. Code 1681c Dear Consumer, Financial Protection Bureau, I am writing to formally file a complaint regarding inaccurate and outdated information that continues to be reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c.

According to this federal statute, credit reporting agencies are prohibited from including accounts that are more than XXXX years old ( XXXX years in the case of bankruptcies ) from the date of the original delinquency or event. However, I have discovered the following account ( XXXX ) listed on my credit report that exceeds this legal reporting limit : Account Name : IQ data International inc Account Number : XXXX Date of First Delinquency or XXXX Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX Date : XXXX XXXX TransUnion XXXX. XXXX XXXX  XXXX, PA XXXX Re : Request for Debt Validation Account - XXXX XXXX Account # XXXX To Whom It May Concern : I am writing in response to an account that I noticed on my credit report on XXXX XXXX about an alleged debt that your company claims I owe. Please be advised that this is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I am requesting the following information : 1. The name and address of the original creditor. 
XXXX. The full amount of the alleged debt, including a breakdown of interest, fees, and other charges. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Proof that your agency is legally authorized to collect this debt in my state. 
XXXX. Verification that you are licensed to collect debt in [ Your State ], including your license number and registered agency name. 

Please cease all collection efforts, including reporting to the credit bureaus, until you provide the requested validation. Be advised that failure to provide this information within 30 days of receiving this letter will be considered a violation of the FDCPA. 

This letter is not a refusal to pay, but a request for clarification and proof regarding the debt in question. 

Sincerely, 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX dollars where taken due to transaction fees and extra chargers where taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : URGENT REQUEST FOR INVESTIGATION AND DELETION -- Navy Federal Credit Union ( Acct ending in XXXX ) To Whom It May Concern : I am formally disputing the reporting of the Navy Federal Credit Union account referenced above under my consumer file. This account is inaccurately reported and fails to meet the standard required under the Fair Credit Reporting Act ( FCRA ). Pursuant to my rights under 15 U.S. Code 1681i ( Section 611 of the FCRA ), I demand an immediate investigation and permanent deletion of this account for the following reasons : 1. Unverifiable Information ( FCRA 609 & 611 ) - This account was previously disputed and remains unverifiable. Under FCRA 609 ( a ) ( 1 ), I have the right to request the sources of information being reported. As the furnisher has failed to provide legally sufficient verification or a signed contract with full chain of title, continued reporting constitutes a willful violation of FCRA 623 ( a ) ( 5 ).

2. Inaccurate and Inconsistent Reporting ( FCRA 623 ( a ) ) - The payment history and balance progression across multiple months are inconsistent and misleading. This includes irregular charge-off designations and inflated utilization ( over 100 % ), which misrepresents my credit profile in a materially adverse way. 
XXXX. Previously Disputed -- Marked " Resolved '' Without Proper Investigation- This violates my right to a reinvestigation under FCRA 611. Your files list the dispute as " resolved, '' yet the reporting entity has not supplied documentation to substantiate continued derogatory reporting.

4. Lack of Legal Standing -- No Contract Validity or Ownership Proof Provided- Under FDCPA 807 ( 15 USC 1692e ), it is illegal to report or imply a debt without the ability to validate it, especially if the debt is no longer enforceable or collectible due to state statute of limitations or transfer of ownership without notice. 
Therefore, I am demanding the immediate deletion of this item from my consumer file. If it can not be VERIFIED -- not merely " updated '' -- within 15 days of receipt of this notice, per FCRA 611 ( a ) ( 1 ), it must be deleted permanently from my credit report.

Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-06-18 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: MS

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AR

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One Main Financial has reported incorrect information on my XXXX  credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: MI

Complaint narrative:
I have disputed the XXXX XXXX account multiple times with TransUnion, and each time it has been marked as verified with no actual documentation provided. I requested the method of verification and documentation under FCRA 611 and 609. To date, no original signed agreement or verification method has been provided. 

XXXXExperian is in violation of the FCRA for continuing to report unverifiable information. I have mailed a formal dispute letter on XX/XX/year>, demanding deletion of this account due to failure to verify. 

I am requesting that this account be permanently removed from my credit report.

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 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: CT

Complaint narrative:
As part of United Wholesale Mortgages standard procedure, insurance claim funds are managed through their partner XXXX, also known as XXXX ( XXXX ). For my claim, I am required to send all insurance checks for home repairs to them for review and endorsement. While they have issued partial funds, they are currently holding approximately {$66000.00} pending an inspection that has yet to be scheduled or completed. 

Since early XX/XX/year>, I have submitted all required documentationincluding invoices, adjuster communications, and proof of completed workto representatives such as XXXX at XXXX. I followed up repeatedly throughout XXXX, XXXX and now XXXX. On XX/XX/year>, I sent a formal complaint to the CT Department of Consumer Protection, copying XXXX  and United Wholesale Mortgage, outlining the urgency of the matter and the threat of collections from the contractor involved. 

Despite these efforts, XXXX has failed to facilitate the required inspection and, without any notice to me, canceled my inspection requests on several occasions. I was not contacted or informed of these cancellations, and only discovered them after following up myself. When I call XXXX, I am routinely met with unhelpful responses and no clear path forward. This lack of communication and cooperation is obstructing the release of insurance funds that are critical for paying the contractors who have already completed the necessary repairs on my home. I have been in contact with them repeatedly and have been met with delays and denials and cancelations of requests. On XXXX occasions they have noted that they called me, but I received no voice messages and have no record of their incoming calls in my phone, nor have they sent follow up emails. 

As a result, XXXX XXXX XXXX who sent an invoice for {$66000.00} has already threatened to send my invoice to collections, further jeopardizing my financial standing. 

I respectfully request that your office investigate this matter and take appropriate action to ensure that XXXX and United Wholesale Mortgage are held accountable for their failure to act in good faith

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
Please proceed with blocking and removing the unauthorized accounts currently appearing on my credit report. I did not initiate these accounts and have no knowledge of where they came from. Under USC 1681g, I am requesting their removal within the next 15 days. Ive included the necessary documents for your review. Additionally, the information reported about these accounts varies and is inconsistent across the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
" Pursuant to 15 U.S.C. 6802 and 6803 of the Gramm-Leach-Bliley Act, I dispute the presence of [ XXXX XXXX * * XXXX * ] on my credit report, as it appears to result from unauthorized sharing of my nonpublic personal information without proper notice or opt-out opportunity, or failure to provide clear and conspicuous privacy notices. I demand immediate investigation and removal of this account within XXXX  days, as its inclusion violates GLBA protections. Failure to comply may result in liability under 15 U.S.C. 6805, and I reserve all rights to pursue remedies through the CFPB, FTC, or federal court. ''

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 2025-06-18 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
In XX/XX/year>, I traded in a leased vehicle that was under my name to XXXX XXXX ( XXXX, FL ) as part of a new vehicle transaction. The dealership failed to pay off my lease in a timely manner. The vehicle returned was leased through Honda Financial Services, and the delayed payoff resulted in a XXXX late payment being reported on my credit, which seriously affected my credit score.

Although the new vehicle was financed under someone elses name and I am not part of that loan, I was the sole lessee of the previous vehicle, and therefore, the only XXXX impacted by this failure. 

I followed up multiple times with the dealership by phone and email, asking them to provide a resolution and a letter to submit to the credit bureaus, acknowledging their delayed payment. I was told the delay was due to a funding hold from XXXX, but this delay was not communicated to me beforehand and the dealer still took possession of the trade-in vehicle. 

The dealer has not taken formal responsibility, has not issued any corrective letter, and refuses to provide compensation or assistance in correcting the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To Whom It May Concern : This letter serves as a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that Transworld Systems Inc. immediately cease and desist all forms of communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, calls, voicemails, text messages, emails, mailed correspondence, or any third-party contact. 

Under federal law, once a consumer notifies a debt collector in writing to cease further communication, the collector is legally prohibited from contacting the consumer, except to notify them of specific legal action or that collection efforts have ceased. Continued contact after such a request constitutes a violation of the FDCPA. 

Relevant Case Law Supporting This Demand : Heintz v. Jenkins, 514 U.S. 291 ( 1995 ) Confirmed that debt collectors, including attorneys, are bound by the FDCPAs restrictions. 


Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 559 U.S. 573 ( 2010 ) Reaffirmed that ignorance of the law is no defense under the FDCPA. Transworld Systems is fully accountable for violations, regardless of intent.

Evory v. RJM Acquisitions Funding L.L.C., 505 F.3d 769 ( 7th Cir. 2007 ) Clarified the least sophisticated consumer standard, meaning debt collectors must avoid any conduct that could mislead or coerce a consumer, especially after a cease-and-desist notice.

Horkos v. Debt Recovery Partners , LLC, No. 15-cv-5738, 2016 WL 3342892 ( XXXX XXXX XX/XX/XXXX ) Held that communication following a proper cease and desist request is a per se FDCPA violation and supports recovery of statutory damages. 


Legal Notice : Any further contact from your organization, including attempts to collect or discuss the alleged debt, will be documented and treated as a direct violation of the FDCPA. I reserve the right to pursue damages of up to {$1000.00} per violation under 15 U.S.C. 1692k ( a ), as well as any actual damages, attorney fees, and court costs. 

Please confirm in writing within XXXX  days of receipt of this letter that you will cease all further communication and collection efforts.

Company response to consumer: Closed with explanation