vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX'REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS AND INQUIRIES FROM MY CREDIT REPORT IMMEDIATELY#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 2025-06-19 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:
I am writing to request the removal of fraudulent information from my credit report. I am a victim of identity theft, and several accounts and inquiries listed are not mine. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete these unauthorized items. Ive attached an FTC Identity Theft Report and a list of the disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Macys XXXX XXXX I can use anywhere. My card was being utilized for 2 days but I wasn't notified until day 2. These charges occurred on XX/XX/year> and XX/XX/year>. I disputed the charges thinking everything was fine until those charges kept getting back on my account and I paid {$2.00} fee that I thought was mine from those charges. Based on the investigation they held me accountable. Customer service has been giving me fraudulent information about the investigation every time I ask what steps were taken to investigate. After speaking to several people from customer service they reopened the case and then asked me to send them proof I was at work. They told me it would take 72 hours. Proof was sent on XX/XX/XXXX2. I was given the 26th date by customer service so I sent proof for the 25th and 26th not knowing it was actually the 26th and 27th when I verified myself. This whole investigation has been going on for 114 days including today. I sent a follow up email with no response. Im currently in home buying loan and it is affecting me tremendously.

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 monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$9100.00}

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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Community Cash Management Corp.
State: NH

Complaint narrative:
I am filing this complaint against XXXX XXXX for repeated and harassing phone calls regarding an alleged debt. Despite no formal validation of the debt and without my consent, this company has contacted me excessively and in a manner that I believe constitutes harassment. 

I have received calls : Multiple times per day, every single day, from multiple numbers all saying they were calling from XXXX XXXX 

Often at inappropriate hours, including early mornings, late evenings, weekends, etc. 

These constant calls have not only disrupted my daily life but have also caused significant emotional distress, including XXXX, loss of sleep, and an inability to focus at work or in my personal life. I believe these actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 806, which prohibits debt collectors from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

I am requesting that this behavior be investigated and that this debt collector be held accountable for unlawful and abusive practices. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 XXXX years.

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.

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 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Call This is constant every day. 
sometimes more than once. My records show calls close to every day since XX/XX/year>. That is harassment.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Failure to Investigate Disputes, Remove Outdated Information, and Respond to Authorized Consumer Requests This complaint is being filed against all three major credit reporting agenciesExperian, Equifax, and TransUnionfor their failure to comply with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>2025, I sent dispute letters along with copies of my identification and proof of address requesting that the bureaus : Delete all outdated and incorrect addresses listed on my credit reports Update my current, accurate address Investigate multiple unauthorized inquiries I never approved Conduct proper investigations into negative accounts appearing on my consumer reports Investigate and correct reported late payments that I formally disputed Despite providing full documentation and clear dispute instructions, none of the bureaus have responded with proper investigations or results. Instead, I continue to receive the same generic stall tactic letters accusing me of using a third party, which is categorically false. I am not a third partyI am the direct consumer submitting these disputes. 

This repetitive response shows a blatant disregard for their obligation under FCRA 15 U.S.C 1681i to properly investigate disputes and respond within the required time frame. They are neglecting their legal duty to ensure that all consumer data is accurate and verified. 

I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) step in and compel these credit reporting agencies to do their jobs. They must immediately re-investigate the disputes I submitted, remove the outdated information, and stop issuing baseless stall letters to avoid compliance. 

I will be uploading copies of the letters, my identification, and supporting documents I previously sent them.

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gatestone & Co. International Inc.
State: MT

Complaint narrative:
Hello, I guess where I am confused, is that I requested debt validation/verification, sent that on the first of XXXX. I gave Gatestone, the 30 days which if I recall correctly by is acceptable. I wasnt until I requested it a second time and reached out to the consumer financial protection bureau that you responded. 



Are these valid methods of contact? 

Toll Free : XXXX Email ID : XXXX Because Ive tried these several times Why do I once again need to go through the CFPB to get a valid respones? 

Why does it take going through them, for Gatestone to provide another number XXXX that you say I can now call directly. More importantly, why isnt this number on your website? 

Ive called, Ive emailed, Ive left messages with your provided contact information on your website with XXXX  response. Once again, only when the CFPB is involved does Gatestone respond. 

So...... Here is my lawyers contact information XXXX Bankruptcy ( XXXX ) XXXX feel free to reach out to him. 

Also, Im available at XXXX CST after XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I received urgent care from XXXX XXXX XXXX in XXXX, 2025. I am entitled to XXXX XXXX XXXX due to service connected XXXX. The XXXX  will reimburse hospitals for urgent care if they submit the bills to them. I notified the hospital at the time of service and the XXXX within the required XXXX hour window. 

The hospital did not, and as far as I know has not, submitted these bills to the XXXX. Instead they have attempted to collect this debt from me. This debt is not mine. I have communicated this to the hospital in person ( at the time of service ), through email, through written letters, and most recently to medicredit ( the collection agency they illegally sent me to ) through text. 

Despite me notifying the collection agency that this is not my debt they have continued to attempt to collect it from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NH

Complaint narrative:
I pay my loan each month based on when I receive my biweekly payments and this is what happens : Interest is eating my entire payment or nearly all of it. 
If my monthly payment is {$320.00} and $ XXXX goes to interest, that leaves {$70.00} or less to reduce my loan. 
Some months, even less than {$50.00} is applied to principal. 
XXXX. Balance stagnation means I am stuck in slow motion. 
My loan barely shrinks, so next months interest is calculated on roughly the same high balance. 
The cycle feeds itself it is called interest trap amortization. 
XXXX. Delayed posting makes it worse. 
I pay on time. They post late. That means more days of interest added before they credit it, reducing how much goes to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year> I made 2 transfers from XXXX  into one of my personal banking accounts, not realizing that the account I selected was an account that was closed XX/XX/year>. Because the account was closed, XXXX XXXX  sent the money back to XXXX  that very same day ( XX/XX/XXXX ) that money was never returned to my account. I filed a dispute ( XX/XX/XXXX ) and XXXX  gave me a temporary credit but then removed it 27 days after the dispute was open. I have sent them supporting documents such as my bank statements rhat showed my account closing on XX/XX/XXXX as well as the transfers attempting to be deposited into my account which had no effect on my balance since the account was closed and they sent it right back. XXXX  dispute team got back to me via email and stated that the money was sent successfully which we already knew. The problem was the money was sent right back and they refuse to adress that. 

I also have not been able to access any information or documentation on either of the dispute, I have reached out multiple times requesting this information and documentation and XXXX  has refused to provide it. 

Yesterday i worked with a XXXX  support agent to write a very direct email to their dispute department providing information on what actually needed to be investigated, and well as requesting the information that is clearly being withheld from me ( which is illegal ). I had the support agent forward the email to me as well so I had it in writing. The dispute departments response showed that they have no intentions on properly investigating these transaction. It also shows that they are COMPLETELY ignoring my request for information and documentation related to my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within XXXX  days. Where is it? 
XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Please Update to Never Late CITI - 542418154365 - Under 15 USC 1666 Billing Error - Please Update to Never Late

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