vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE DEMAND FOR VALIDATION & ORIGINAL CONTRACTS ( FCRA 605B / FDCPA 809 ( b ) ) To Whom It May Concern, This letter serves as a formal dispute and legal demand for validation regarding the following account you are currently reporting : XXXX XXXXXXXX XXXX  Acct # XXXX {$2000.00} I am asserting my consumer rights under federal law. I do not acknowledge this alleged debt and therefore demand immediate validation and proper documentation before you report, collect, or communicate anything further. 

You are now legally required to produce the following within XXXX  days, pursuant to : Fair Credit Reporting Act ( FCRA ) 1681b, 1681i, 1681s-2, 605B, 609 ( a ) Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Uniform Commercial Code ( UCC ) 3-501 You must provide : A wet-ink signed contract between myself and the original creditor A wet-ink signed contract between myself and XXXX XXXX XXXX, giving you legal right to collect or report on this alleged debt A full itemized breakdown of the {$2000.00} balance A complete chain of custody or assignment, showing your legal ownership of the debt Documentation proving permissible purpose under FCRA 1681b Confirmation this debt is not the result of fraud, identity theft, or a data breach, as protected under FCRA 605B Generic billing statements, screenshots, and unverified summaries will not satisfy federal validation requirements. 
If you fail to meet these requirements within XXXX days : I will file disputes with XXXX XXXX XXXX XXXX demanding removal I will file formal complaints with the CFPB, FTC, Illinois Attorney General, and BBB I will pursue arbitration or legal action for violations of : FCRA 1681i, 1681s-2 ( b ) FDCPA 809 ( b ) UCC 3-501 Additionally, if I find that youve verified this information using automated XXXX systems, that will be included in legal action as willful non-compliance with federal law. 

FINAL WARNING : No original contract= No debt = Remove this item immediately. 
Continued reporting without legal validation = federal lawsuit or arbitration. 
This is your final legal notice. I expect a proper response or permanent deletion of this unverifiable account. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I got my car on XX/XX/year>. I came to XXXX XXXX XXXX  with a very specific budget in mind, an interest rate and the type of car I desired. The salesmans name was XXXX. I told him I wanted my budget around XXXX or XXXX XXXX didnt want to go higher. And I had a down payment of XXXX XXXX Also that I had already been approved by my credit union and that I wanted the lowest interest rate possible. He said that we could do the XXXX XXXXXXXX XXXX  for that price. So it was test driven and everything thing was going well or so I thought it was. We went inside the building and talked numbers and things like that and I had to to go to other companies for a car loan because this car was above the mileage desired by the bank to be able to finance it. I was denied by the first two places, for being so young and having limited credit history. I only had credit cards on it at the time of needing a car. He was in a separate room with his manager. He would go back and forth between the room that I was in and the room the manager was in. I was also in the next room surrounded by other sales people talking to me or to someone else inside the room. He left the room after I was guaranteed the XXXX XXXX for the car and told me that it had to be increased to be approved because of not being able to be approved or that I had to pay an additional XXXX, a total of XXXX XXXX down to get the car. And I said again I was trying to pay an amount that high. And he said so what are we gon na do? You wanted this car this is it or to look and find something else. So it was raised to more than that. I put down a total of XXXX. XXXX made in cash that day and the remaining XXXX was made in cash a week later. My car note was XXXX a month, my interest rate was XXXX. So everytime I pay on my car note, only half of it goes towards my principal, XXXX in interest every time I pay on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TO : Harris & Harris , Ltd . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DISPUTE DEMAND FOR ORIGINAL CONTRACTS & LEGAL VALIDATION ( FCRA 605B / FDCPA 809 ( b ) ) To Whom It May Concern, This letter serves as your formal legal dispute and demand for validation of the following account being reported to the credit bureaus : XXXX Acct # XXXX {$190.00} Let me make this very clear : I do not acknowledge or accept this alleged debt and I am requesting full validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are now on legal notice and are required to provide all of the following within XXXX calendar days : A wet-ink signed contract between myself and the original creditor A wet-ink signed contract between myself and your company, Harris & Harris , Ltd. , showing legal right to collect or report this account A complete itemized breakdown of the {$190.00} amount being claimed A valid assignment or purchase agreement, proving your legal ownership or authority to collect on this alleged debt Documentation proving your permissible purpose under FCRA 1681b Written confirmation that this debt is not the result of identity theft, fraud, or reporting error, per FCRA 605B and 609 ( a ) ( 1 ) Screenshots, billing summaries, digital invoices, and unverified statements do not qualify as legal validation under federal law. 
If you can not provide the above documentation, you are legally required to delete this account immediately from XXXX XXXX XXXX XXXX 

Failure to comply will result in : Complaints filed with the CFPB, FTC, Illinois Attorney General, and BBB Legal disputes filed with all three major credit reporting agencies Formal initiation of arbitration or civil litigation for : FCRA 1681i and 1681s-2 ( b ) violations FDCPA 809 ( b ) violations UCC 3-501 Failure to present enforceable documentation If I discover that you used an automated system like e-OSCAR to verify the account instead of conducting a real investigation, that will be considered a willful violation of federal law and added to my legal complaint. 

Final Warning : NO original contract = NO legal debt = DELETE IT. 
Continued reporting without lawful validation = federal lawsuit or arbitration. 
This is your final legal notice. I expect full compliance under federal law. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent a number of disputes pertaining to fraudulant and unauthorized accounts on my credit profile. I sent out a dispute on XX/XX/XXXXXXXX XXXX XXXX XXXX without any correction to the fraudulant account. i am referecing the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-08 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:
To Whom It May Concern, I'm writing to you directly no third-party company is involved so please dont respond with a stall letter or a generic reply. This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following account be validated or DELETED immediately : XXXX. XXXX XXXX XXXX Account Number : XXXX In addition, DELETE all non-account holding inquiries over XXXX  days old. Also, please add a promotional suppression to my credit file.

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 2025-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

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 seven 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 non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: FL

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.

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: OH

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am looking for all data shared between XXXX XXXX  from XX/XX/year> to present which included all altred or changed files, flags, freezes. And in perticular on the XXXX of XXXX from all sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Comenity Bank due to ongoing and excessive harassment via phone calls regarding a debt I was never properly notified about in writing.

For the past several years now, I have been receiving between 5 to 10 calls per day from various phone numbers originating from different states across the country. These calls are relentless and frequently result in voicemails being left. When attempting to settle this matter in hopes I'd be left alone, I was advised I should have called in 2023 and the calls will continue if a full payment is not received in the amount of {$870.00}.

Despite the high volume of attempted contact, I have not received any formal written correspondence from Comenity Bank, nor have I received a debt validation notice as required under the Fair Debt Collection Practices Act ( FDCPA ). I believe this constitutes a violation of my consumer rights, as debt collectors must provide written notice within five days of initial contact, including details about the debt and how to dispute it.

Additionally, the constant and aggressive nature of the phone calls is harassing and disruptive and may violate FDCPA restrictions on excessive contact and use of deceptive means to collect a debt. 

I am requesting that : All telephone communications from Comenity Bank cease immediately. 

I receive written validation of the debt they are attempting to collect, including the original creditor and amount. 

This matter be reviewed and investigated for potential FDCPA violations. 

I am also retaining records of all calls and voicemails and am prepared to escalate this matter further if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my 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