vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
The Federal Trade Commission ( FTC ) VyStar Credit Union XXXX : XXXX XXXX XXXX Department XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter serves as a formal dispute and demand for validation of the above-referenced account, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX. XXXX Under XXXX of the FDCPA, I request that VyStar Credit Union provide complete validation of this alleged debt, including but not limited to : The name and address of the original creditor, if different from VyStar Credit Union. 

A copy of any signed agreement or contract establishing my obligation to pay. 

A full itemization of the balance claimed, including principal, interest, and fees. 

Proof that VyStar Credit Union or its agents are authorized and legally entitled to collect this debt. 

Until full and proper validation is provided, you are required to cease all collection activities, including communication, billing, or reporting to credit bureaus.

2 Accuracy of Credit Reporting 15 U.S.C. 1681e ( b ) If this account has been reported to any consumer reporting agency, you are reminded that the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that all information furnished be accurate and up-to-date.

Should you fail to verify this debt and continue to report it, such action would constitute furnishing inaccurate or unverifiable information, a direct violation of federal law.

Therefore, I demand that this account be immediately investigated and corrected or deleted from all consumer reporting agencies ( Equifax, Experian, and TransUnion ) if it can not be fully substantiated.

3 False or Misleading Representations 15 U.S.C. 1692e Be advised that any attempt to collect a debt without proper validation, or any misrepresentation regarding its character, amount, or legal status, is a violation of 15 U.S.C. 1692e.

Should such conduct continue after receipt of this notice, it will be documented as willful noncompliance, and I will not hesitate to file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Florida Attorney Generals Office Further violations may expose VyStar Credit Union to civil liability under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o.

Requested Action Provide full and proper validation of the alleged debt within 30 days.

Cease all collection activity until validation is complete. 

Delete or correct any unverified or inaccurate credit bureau reporting. 

Confirm in writing that you have complied with this request.

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 2025-11-12 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am disputing the following accounts listed on my Experian credit report. I believe these entries are inaccurate and need to be corrected. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$580.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX PREMIER, XXXX, XX/XX/XXXX, {$950.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$750.00} XXXX FUNDING, XXXX, XX/XX/XXXX, {$500.00} XXXX FUNDING, XXXX, XX/XX/XXXX, {$510.00} XXXX  XXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XX/XX/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 2025-11-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
There are multiple inaccuracies on my credit report that require prompt rectification from all relevant organizations.

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 2025-11-12 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-12 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Student loans Total balance : {$64000.00} DEPT OF EDXXXX LATE PAYMENT Balance {$2500.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$7000.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$4900.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$4100.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$4900.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$10000.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$6600.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$4900.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$2500.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$3600.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$1300.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$1200.00} Balance updated XX/XX/year> DEPT OF ED/XXXX  LATE PAYMENT Balance {$2100.00} Balance updated XX/XX/year> I've requested removal of such, because the information I have requested for has not be given. I have mailed in letters also. No Response.

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 2025-11-12 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: NY

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my TransUnion credit report : Charged-Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$29000.00} Inquiry Disputes : 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 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report due to potential errors or inconsistencies that should be resolved. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$72.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$510.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$280.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$390.00} Inquiries XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXX Late Payment XXXX Account Number : XXXX XXXX  Account Number : 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 2025-11-12 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:
I am submitting this dispute to the Consumer Financial Protection Bureau regarding the following accounts that have been inaccurately reported and require correction. Please review the disputed information with the credit bureaus as outlined below. 



Charged Off Accounts XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$85.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$2500.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$3400.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$4200.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$2600.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$6900.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$5500.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$3400.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$6000.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$6200.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$7100.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$140.00} XXXXXXXX  Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX, Date Open : XX/XX/XXXX Late Payments XXXX XXXX XXXX, Account # XXXX XXXX, Account # 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 2025-11-12 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: FL

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding several inaccuracies I have discovered on my credit report. The following accounts are being disputed based on the information provided by the credit bureaus : CHARGED OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} INQUIRIES : XXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  Date Opened : XX/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 2025-11-12 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: OR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 not connected to these accounts ; they must be deleted within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc bank let somebody go into my account without face recognition and password or my social security number and let somebody deposit a fraudulent check into my account for over XXXX XXXX dollar are XXXX kidding me and have my credit report and credit down to under XXXX yall supposed to be top notch secure and making sure yall call to let someone know there account have been touched I have not XXXX phone call or XXXX notice in the mail about my account I had to log in from my mothers phone just to find out XXXX highly and very upset I have kids and a family now XXXX in negative because XXXX XXXX know how to keep a customer account secured

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with XXXX XXXX XXXX, Section XXXX, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief