vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2025-07-16 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: OR

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-16 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: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NE

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AZ

Complaint narrative:
On XXXX XXXX I received a email from Jefferson Capitol Systems about a alleged collection account. Per the email I can respond to email to dispute the account. 

On XX/XX/year> I responded to the email to dispute the collection account and requested the below documents ; XXXX. Original Contract with wet signature. To confirm that a assignment clause or a securitization clause was included in so called contract.

2. Original terms and conditions at time of contract signing.

3. Forward Flow Agreement and all attachments 4 Was the debt securitized by XXXX XXXX and pooled to their trust XXXX. 

XXXX Bill of sale and purchase agreement and all attachments referencing this account only and not a blanket bill of sale or purchase agreement for a pool of accounts your company purchased. 

XXXX. Chain of title for this account. 

XXXX. Validation of the amount owed. 

XXXX. Full account corporate bookkeeping and ledger for all debts and credit applied to said account. 

On XX/XX/year> I received and email that Jefferson Capitol account was added to my credit report. I sent the below email. 

On XX/XX/year> I sent a dispute email ( below ) regarding the debt in question. By law if I am disputing the debt you legally have to stop collection until the debt is validated. Per my credit report you are still showing the collection account and as on XX/XX/year> which is a violation of {$1000.00} per occurance. I still have not received any of the requested documents I requested.which is due by XX/XX/XXXX, XXXX. I will be filing a fcpb complaint against you and request compensation for the violation. 

As of today I have received no communication or documents for Jefferson Capitol

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
The Accounts And Inquiries Listed In My Identity Theft Report Were Fraudulently Open. I did not give any written or verbal consent to do so.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/2025, I was charged a 1 % international transaction fee by USAA after using my debit card while abroad.

As a longtime USAA member, I reviewed their published policies and confirmed that foreign transaction fees are only supposed to apply to debit card ATM withdrawals, and only when clearly disclosed. I did not see any prior explicit disclosure or opt-in agreement regarding this 1 % fee in my account terms.

I contacted USAA to dispute the charge and was told the 1 % fee was standard and could not be refunded. However, under Regulation E ( Electronic Fund Transfer Act ), such fees must be clearly disclosed and agreed to in advance.

I believe this charge was improperly applied or inadequately disclosed. I am requesting the fee be refunded and that USAA clearly outline their foreign transaction fee structure in line with federal regulation.

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 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Hello, Credit Acceptance ask were having my wages garnished. It was order by the XXXX XX/XX/year>, that I am to be released from the garnishment because they didn't file the proper paperwork. I have tried to reach out since then and the company listed above and was told they do not have my funds, and I need to go back to the courts. 
I did XX/XX/year>, the Judge again order for my funds to be released. I have reached out the phone just rings and goes to voicemail. I have left one voicemail regarding this. I have even told them I would like to work out a payment plan that I can afford. No one has still reached out to me. I am in direr need to my funds. I was working with a young lady and XXXX, and she hasn't reached out as well. I just would like my funds returned to me as quickly as they took my funds. 

Thank you so much for your time.

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 2025-07-16 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to 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 2025-07-16 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: PA

Complaint narrative:
Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely. 
I expect the inaccuracies to be corrected or the account to be removed from my credit report within XXXX days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy. 
The following personal information is incorrect : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$59.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Amount : {$97.00} Please remove it from my credit report under 15 USC 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AZ

Complaint narrative:
These inquiries are unfamiliar to me and may be fraudulent in nature. I urge prompt review and resolution. I've included the supporting materials.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I was pre approved for a home loan mortgage and was denied because the department of education marked me late from XX/XX/XXXX til XX/XX/XXXX, how can this happen I have never been late I always reside at the same address, I have the same Identification along with the same email from when i set up my username and password, but I NEVER received any notification about my student loans payments, changes etc. This is totally unfair and I feel I have been discriminated against. I would need for the Department of Education to reply to my complaint since I can not get any one to assist me over the telephone. Department Of Education has marked my Credit File as late -starting from XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX with Past due balances totaling over XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-16 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-07-16 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'm unfamiliar with these inquiries ; they seem unauthorized and possibly deceptive. Please act on this matter swiftly. Attached are the 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cambrian Group
State: TX

Complaint narrative:
They called on XX/XX/year> with a blocked number but left a message stating that they were going to comee to my residence and that I needed to be here, the left the message on the XXXX phone number. Leaving their the voice mail that I needed to be home to receive a package that is being shipped and if I'm not home to call this number XXXX. 

On XX/XX/XXXX the same message was left on the phone number XXXX phone number stating it was urgent and a package was being delivered and I needed to call to be sure I was home. Same number XXXX. And ask for XXXX XXXX with Cambrian Group. 

The same message was also texted to XXXX phone number looking for XXXX XXXX regarding a notice that is coming to my address it is imperative that I call this number XXXX to receive this package that is being mailed out to me. XXXX XXXX XXXX XXXX with Cambrian Group. 

They never stated what this is for, they only tried to put a sense of urgency and fear that I had to call to verify my address to receive this unknown package.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please unfreeze my credit files and remove the fraud alert from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
I am filing this complaint against TransUnion for willfully reporting inaccurate, unverifiable, and noncompliant information that violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

I have submitted disputes regarding four accounts that continue to report despite being unverified, illegally re-aged, and formatted in violation of Metro 2 industry standards. 

Legal Violations by TransUnion & Data Furnishers : FCRA 609 ( a ) ( 1 ) : No original signed contracts or validation documentation provided FCRA 611 ( a ) : Failure to investigate properly ; accounts were not removed after dispute FCRA 623 ( a ) ( XXXX ) : XXXX and XXXX XXXX are reporting accounts as disputed while continuing to update them monthly FCRA 623 ( a ) ( 5 ) : Accounts have been re-aged illegally to appear newer FCRA 623 ( b ) : Unverified and incomplete accounts were not corrected or deleted Metro 2 Compliance Violations : Missing DOFD, incorrect ECOA codes, improper status codes and data aging

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-16 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation