vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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:
I am disputing the accuracy of several items on my credit report. The charge-off accounts listed, including XXXX  XXXX with a balance owed of {$790.00} and XXXX XXXX with a balance owed of {$24000.00}, are inaccurate. Additionally, the collection accounts reported XXXX  XXXX for the original creditor XXXX XXXX XXXX XXXXXXXX. XXXX with a balance of {$930.00}, and XXXX XXXX for the original creditor XXXX XXXX XXXX  XXXX with a balance of {$1200.00} are incorrect. I am also disputing XXXX inquiries : XXXX dated XXXX and XXXX XXXX dated XXXX, which I did not authorize. These inaccurate entries have negatively impacted my creditworthiness, and despite my attempts to resolve these errors, they remain on my 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 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
FORMAL INCIDENT STATEMENT REGARDING UNLAWFUL COLLECTION CALLS AFTER LAWSUIT WAS FILED I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, provide this statement regarding repeated unlawful debt collection attempts made by Portfolio Recovery Associates , LLC ( PRA ) while an active lawsuit was pending. 

Court Case : Portfolio Recovery Associates , LLC XXXX XXXX XXXX Cause No. : XXXX Court : Justice of the Peace, Precinct XXXX, XXXX XXXX XXXX TX XXXX Filing Date : XX/XX/year> Collection Calls After Lawsuit Filing : Based on my phone records, PRA began calling me at XXXX on : - XX/XX/year> And continued calling me a total of XXXX ( XXXX ) times from XX/XX/year> onward. 

These calls occurred after PRA initiated a lawsuit against me for the same alleged debt.

Under the Fair Debt Collection Practices Act, once a debt collector elects to pursue judicial action, they can not simultaneously continue collection attempts outside of the court process. Doing so is misleading, unfair, and overshadowing under federal law.

Details of Final Call : On the most recent call, I informed the representative that : - PRA should not be attempting to collect payment while suing me ; - PRAs actions were unlawful ; and - PRA should not contact me again unless they intended to dismiss the case or address the multiple violations they committed. 

A formal letter to cease contact is being mailed via certified mail to Portfolio Recovery Associates and their litigation team. 

FDCPA Violations Committed : These repeated calls constitute violations of : - 15 U.S.C. 1692d harassment and abuse - 15 U.S.C. 1692e deceptive, misleading, or false representations- 15 U.S.C. 1692f unfair or unconscionable means of debt collection - 15 U.S.C. 1692c ( c ) contacting a consumer after being instructed to cease communication

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-11-14 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:
On XX/XX/year>, XXXX  publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identified as an affected consumer and received notice of the breach. Because my SSN and other identifiers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach.

Harm Caused : These derogatory accounts have damaged my credit standing and impaired my ability to obtain financing. Because TransUnion allowed my identifiers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appearonmyfile.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
This is identify fraud, I dont know who these companies are, never dealt with 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 explanation
Consumer complaint received 2025-11-14 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: MS

Complaint narrative:
1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
TDRCDFRSPGR Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
NATLCRSYS Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 6. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 7. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
ATLCAPBKSELF Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MS

Complaint narrative:
1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
TDRCDFRSPGR Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
NATLCRSYS Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 6. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 7. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
ATLCAPBKSELF Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS

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 2025-11-14 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: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request assistance in returning my student loan ( XXXX ) to good standing. Due to circumstances beyond my control, my account has fallen behind, and I am seeking immediate reinstatement options so I can continue fulfilling my obligations responsibly. 
The recent issues surrounding my account were influenced by [ select XXXX or fill in your situation below ] : a data breach/identity theft incident that impacted multiple financial accounts, a period of temporary financial hardship, loss or delay of income, miscommunication about repayment terms, or another documented situation. 
I am fully committed to bringing my loans back into positive standing and maintaining consistent repayment moving forward. I respectfully request that your office review my account and consider XXXX or more of the following actions : Reinstating my loans into good standing, Removing or correcting any delinquency marks tied to verified identity theft or financial hardship, Allowing me to enter an Income-Driven Repayment ( IDR ) plan, Placing the account into temporary forbearance or deferment ( if appropriate ), Providing the exact amount needed to bring the account current. 
I am prepared to provide any documentation you require, including : Proof of identity theft or data breach, Updated income information, Paystubs or hardship documents, Police or FTC identity theft reports ( if applicable ). 
My goal is to resolve this matter quickly, restore my account to good standing, and continue repaying my loans consistently. Please contact me at your earliest convenience with the available options and next steps. 
Thank you for your time, understanding, and assistance. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
This complaint is valid and requires urgent action. My credit report features inaccuracies that do not uphold the highest accuracy standards. These mistakes are inflicting profound, persistent damage on my life. I require a comprehensive investigation and the immediate correction or deletion of all errors. Addressing this is imperative, not optional.

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 2025-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Re : Cease and Desist Demand under 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing to formally notify you that, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me regarding the alleged debt you claim I owe. 

This statute clearly provides that once a consumer notifies a debt collector in writing to cease communication, the collector must stop contacting the consumer except for the following limited purposes : XXXX. To advise that further efforts to collect the debt are being terminated ; XXXX. To notify me that you may invoke specified remedies which are ordinarily invoked by debt collectors ; or XXXX. To notify me that you intend to invoke a specified remedy. 

Any further contact outside of these exceptions will be considered a violation of federal law. Please be advised that I will document all communications from your office and will not hesitate to report violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

This letter is not an acknowledgment of the validity of the alleged debt, nor a waiver of any of my rights under federal or state law. 

You are hereby instructed to comply with this demand immediately.

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 2025-11-14 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: MO

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
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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 2025-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax allowed for my credit report to be access while my credit had a lock in place. XXXX was allowed to view my credit report without my authorization. They will not properly investigate and have not removed the unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the accuracy of several items on my credit report. The charge-off accounts listed, including XXXX  XXXX with a balance owed of {$790.00} and XXXX XXXX with a balance owed of {$24000.00}, are inaccurate. Additionally, the collection accounts reported XXXX  XXXX for the original creditor XXXX XXXX XXXX XXXXXXXX. XXXX with a balance of {$930.00}, and XXXX XXXX for the original creditor XXXX XXXX XXXX  XXXX with a balance of {$1200.00} are incorrect. I am also disputing XXXX inquiries : XXXX dated XXXX and XXXX XXXX dated XXXX, which I did not authorize. These inaccurate entries have negatively impacted my creditworthiness, and despite my attempts to resolve these errors, they remain on my 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the accuracy of several items on my credit report. The charge-off accounts listed, including XXXX  XXXX with a balance owed of {$790.00} and XXXX XXXX with a balance owed of {$24000.00}, are inaccurate. Additionally, the collection accounts reported XXXX  XXXX for the original creditor XXXX XXXX XXXX XXXXXXXX. XXXX with a balance of {$930.00}, and XXXX XXXX for the original creditor XXXX XXXX XXXX  XXXX with a balance of {$1200.00} are incorrect. I am also disputing XXXX inquiries : XXXX dated XXXX and XXXX XXXX dated XXXX, which I did not authorize. These inaccurate entries have negatively impacted my creditworthiness, and despite my attempts to resolve these errors, they remain on my report.

Company response to consumer: Closed with explanation