vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am submitting this formal complaint regarding XXXX XXXX XXXX, which is inaccurately reporting a student loan account on my credit reports across the major credit bureaus ( XXXX Experian, and XXXX ). I recently contacted XXXX directly and was informed that I do not have an account with them. 

Issue Summary : I do not owe any debt to XXXX. 

A representative from XXXX confirmed no account exists in my name. 

Despite this, an account is being reported to the credit bureaus. 

This false reporting is damaging my credit, causing me extreme stress, and is in violation of federal law. 

Legal Violations : This continued misreporting is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishers of information from reporting inaccurate data. Specifically : 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) : A furnisher shall not furnish 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.C. 1681i : Credit reporting agencies are required to investigate disputed information and delete inaccurate or unverifiable data within 30 days.

15 U.S.C. 1681b : No one is permitted to obtain or use a consumer report without a permissible purpose. XXXX has no such purpose here. 

Furthermore, continued collection or furnishing of this account constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, and harassment and emotional distress, which may be actionable under state consumer protection laws. 

Cease and Desist : I am issuing a Cease and Desist demand pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Any further attempts to communicate about this debt or report it to any consumer reporting agency will be seen as a knowing violation of federal law and will be documented for legal action.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am submitting this formal complaint regarding XXXX XXXX XXXX, which is inaccurately reporting a student loan account on my credit reports across the major credit bureaus ( XXXX XXXX and TransUnion ). I recently contacted XXXX directly and was informed that I do not have an account with them. 

XXXX XXXX : I do not owe any debt to XXXX. 

A representative from XXXX confirmed no account exists in my name. 

Despite this, an account is being reported to the credit bureaus. 

This false reporting is damaging my credit, causing me extreme stress, and is in violation of federal law. 

Legal Violations : This continued misreporting is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishers of information from reporting inaccurate data. Specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher shall not furnish 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.C. 1681i : Credit reporting agencies are required to investigate disputed information and delete inaccurate or unverifiable data within 30 days.

15 U.S.C. 1681b : No one is permitted to obtain or use a consumer report without a permissible purpose. XXXX has no such purpose here. 

Furthermore, continued collection or furnishing of this account constitutes willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, and harassment and emotional distress, which may be actionable under state consumer protection laws. 

Cease and Desist : I am issuing a Cease and Desist demand pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Any further attempts to communicate about this debt or report it to any consumer reporting agency will be seen as a knowing violation of federal law and will be documented for legal action.

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 2025-07-15 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:
I am writing to dispute a collection account that is inaccurately reported on my credit profile. I did not initiate or authorize this debt, and its continued presence has caused significant damage to my reputation and financial stability.

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 2025-07-15 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I previously requested the correction of inaccurate information on my credit report. Another credit reporting agency has already conducted a review and determined that the information was erroneous, leading to its removal. Despite this, your bureau has failed to provide a satisfactory response, and I consider your response to be frivolous. This failure to adhere to FCRA guidelines means that the credit bureaus have not properly addressed my request for verification. Below is a list of accounts affected by this issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This account from Credit Collection Services in the amount of {$190.00} is the result of identity theft. I did not authorize or open this account, and I am not responsible for this debt. I first noticed this fraudulent account on XX/XX/year>, when it appeared on my credit report. 

After discovering it, I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted a police report. I have also contacted the credit bureaus to dispute this account and requested its removal. 

Please investigate and remove this {$190.00} account from my credit history as it is inaccurate and the result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MA

Complaint narrative:
I am filing this complaint because the credit reporting agencies continue to allow the inaccurate and misleading reporting of a charged-off account that has been sold and transferred, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, an account from XXXX XXXX XXXX was sold to XXXX XXXX XXXX. Despite this sale, the original creditor ( XXXX ) continues to report the full balance as a charge-off, and XXXX is also reporting the same balance as a new collection. This results in duplicate reporting of the same debt, misrepresenting the amount I allegedly owe, and unfairly damaging my credit profile.

This violates : FCRA 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) which requires furnishers to correct or delete information found to be inaccurate or unverifiable after a dispute.

FTC Staff Opinion Letters and CFPB guidance which clearly state that once an account is sold or transferred, the original creditor must update the account to reflect a {$0.00} balance and a status of sold or transferred, to avoid misleading reporting.

Additionally, the continued full balance reporting from both parties violates the principle established in Hanson v. Experian Information Solutions , Inc. ( 2020 ), where duplicate reporting of a sold debt was deemed potentially misleading under the FCRA.

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 2025-07-15 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 am filing this complaint because the credit reporting agencies continue to allow the inaccurate and misleading reporting of a charged-off account that has been sold and transferred, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, an account from XXXX XXXX XXXX was sold to XXXX XXXX XXXX. Despite this sale, the original creditor ( XXXX ) continues to report the full balance as a charge-off, and XXXX is also reporting the same balance as a new collection. This results in duplicate reporting of the same debt, misrepresenting the amount I allegedly owe, and unfairly damaging my credit profile.

This violates : FCRA 1681e ( b ) which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

FCRA 1681s-2 ( b ) which requires furnishers to correct or delete information found to be inaccurate or unverifiable after a dispute.

FTC Staff Opinion Letters and CFPB guidance which clearly state that once an account is sold or transferred, the original creditor must update the account to reflect a {$0.00} balance and a status of sold or transferred, to avoid misleading reporting.

Additionally, the continued full balance reporting from both parties violates the principle established in Hanson v. Experian Information Solutions , Inc. ( 2020 ), where duplicate reporting of a sold debt was deemed potentially misleading under the FCRA.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
This credit card is open and should have a XXXX dollar balance. I am not using this card but for some reason i get charged {$3.00} every single month. I have no clue what this {$3.00} is for. How can I be charge for something I do not use. I had no clue there was a balance on this account and miraculously I got a late payment. This is unfair billing and a violation of the Fair Credit Billing Act. This is a hidden fee. This is an outrageous charge. I have disputed this same charge with this company. They have never sent me a response to my complaint. I have also disputed with the credit bureaus as well. This dispute is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00}

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 2025-07-15 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: GA

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX XXXX XXXX BALANCED {$17000.00} XXXX XXXX  BALANCED {$710.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$77.00}

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 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I sent more than {$500.00} from my XXXX XXXX Personal Checking account on XX/XX/year> via USAA Funds Transfer. Despite this being an account I frequently transfer money in and out of every month to pay bills, USAA is violating Regulation CC by refusing to release the funds in excess of the 5 day maximum ACH period by law until XX/XX/year>. Their reasons for doing so were not reasonable, as any " overdraft '' was timely rectified as their Agent on the phone told me over the weekend. This is also despite depositing amounts that EXCEED the amount USAA is illegally withholding my funds for. For the last two months alone, I have deposited {$720.00} and {$880.00}, respectively. Then, in XXXX, I deposited over {$2000.00} from this very same XXXX XXXX account. That said, I am a familiar customer to them, they are familiar with this account, and I have been a USAA member for more than 10 YEARS. I am familiar to this bank and so is the same XXXX XXXX account I have used for that same 10 YEAR period to transfer funds in and out of. USAA 's illegal hold on my funds caused an item I was going to purchase with the funds INCREASE BY {$40.00}. They should be responsible for that {$40.00} increase and make me whole, while releasing the funds immediately. Totally unacceptable and harassing and likely violates federal law and the UCC, Section 4.

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 2025-07-15 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: PA

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries that have appeared on my credit report. I did not authorize any of these pulls, and they appear to be fraudulent in nature.

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 2025-07-15 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: RI

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-15 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: Aargon Agency, Inc.
State: AL

Complaint narrative:
Complaint Type : Incorrect information on credit report Account belongs to someone else / Identity theft Details of the Issue : I am filing this complaint regarding a fraudulent collection account currently being reported by Aargon Collection Agency for XXXX XXXX ( XXXX ). This account appears only on my XXXX credit report and is not being reported by XXXX XXXX XXXX 

This account is fraudulent and was previously listed under XXXX XXXX XXXX. I disputed the account when it was under XXXX, before it was sold or transferred. Despite my earlier dispute, the account was resold or reassigned and re-reported to XXXX, disregarding the fact that it had already been contested as identity theft. 

I filed an identity theft report with the Federal Trade Commission ( FTC ) on XX/XX/year>. This fraudulent XXXX account is included in that report. 

When I requested debt validation from XXXX, they sent me a printout of generic financial transactions that do not contain my name, signature, or any verifiable connection to me. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I have the right to see true validation of a debt. What they provided does not meet the legal requirements. 

I am also formally disputing this account with XXXX However, TransUnion has failed to act on the FTC report and documentation already provided. I am asking the CFPB to intervene and require XXXX  to delete this account, which is a result of identity theft and is not legally validated. 

Resolution Requested : I am requesting that XXXX immediately remove this fraudulent account from my credit report. I am also requesting that XXXX cease all collection efforts and reporting, as they have failed to properly validate the debt and are in violation of my consumer rights. 

Supporting Documents : FTC Identity Theft Report ( dated XX/XX/year> ) Validation request and response from Aargon Collection Agency

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX 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  Balance : {$67000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CRED XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have included a word document with each inaccuracy found. I have previously tried disputing these, but the credit bureau 's just said verified and updated. This is not the case because I still am finding these negative inaccuracies. I have been harassed by some of these collection agencies when they have not been willing to provide any verification of debt letters. I have been threatened that they will sue me on multiple phone calls where these companies have recorded lines. Something needs to be done ASAP and handled appropriately as this violated the law enforced by the Fair Debt Collection Practices Act ( FDCPA ). They have also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy by just updating my report as updated and verified without actually checking in on these. After updating and being verified per the three reporting agencies I am still finding inaccuracies that are negative impacts on my credit report.

Company response to consumer: Closed with explanation