vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I called Colorado  XXXX university to get information on debt owed ( on classes I never took ) and they sent me to XXXX and XXXX. In the process of getting information from them, they offered a courtesy payment like it was a one time deal and arrange payment plans Im not able to afford, but I felt I had to pay. He said he was emailing over all the agreements and I would recieve one in the mail. It is XX/XX/XXXX and I still have not received anything. I emailed another contact and havent heard back either. I didnt sign anything, and there is no written agreement yet they took {$220.00} payment already from my bank, and set up auto payments. They did not let me know I could dispute it and I never received anything info from them previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lloyd & McDaniel, PLC
State: MI

Complaint narrative:
Hello the law firm XXXX XXXX XXXX XXXX XXXX ) sent me a letter and it says that they gave XXXX XXXX until XX/XX/XXXX to dispute the debt. I dont know who that is and I sent a dispute letter on XX/XX/year> to the debt XXXX and they didnt respond until XX/XX/year>. By law a debt collector must respond to my debt validation letter within XXXX days and they did not. I will have a copy of the letter the law firm sent me in the link.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Fraudulent Account Identity Theft ( CFRA 1785.16.2 ) Dear TransUnion, I am writing to formally dispute for the third time and request the removal of an account that was fraudulently opened in my name as a result of identity theft, pursuant to the California Consumer Credit Reporting Agencies Act ( CFRA ), Civil Code 1785.16.2. 
Details of the fraudulent account : Creditor Name : XXXX XXXX Account Number : Acct # XXXX Date Opened/ Reported : XX/XX/XXXX This account does not belong to me, and I have never authorized or applied for credit with the above-named creditor. I have filed an identity theft report with law enforcement and am including documentation for your records. 
Under CFRA 1785.16.2, you are required to block and remove information resulting from identity theft from my credit file within four business days of receiving this request and accompanying documentation. 
Please send written confirmation once this account has been deleted or blocked from my credit file. If additional information is required, you may contact me in writing at the address above. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID ( e.g., drivers license or passport ) Proof of current address ( e.g., recent utility bill, bank statement ) Copy of police report or FTC Identity Theft Report ( 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 2025-11-03 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: GA

Complaint narrative:
I am sending this formal complaint to notify you that I have been a victim of identity theft. A report has been filed with the Federal Trade Commission ( FTC ) in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and block any fraudulent information identified in an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} AFFIRM XXXX XXXXXXXX XXXX XXXX  balance {$760.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$760.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  balance {$760.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$100.00} XXXX XXXX XXXX XXXX balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$470.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  balance {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  balance {$140.00} FIRST XXXX BANK XX/XX/XXXX XXXX XXXX USED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX and XXXX XXXX. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: KY

Complaint narrative:
XXXX issued a Form 1099-C, which appears on my IRS tax transcript, canceling my federal student loan.

Under IRS Regulation 1.6050P-1, this confirms the debt was discharged. 
Despite this, XXXX and the credit bureaus continue to report the debt as owed, which is false. 
XXXX  reports the loan as closed but still showing a balance. 
XXXX  reports the loan as open, active, deferred, and showing the full balance.

This is inaccurate and misleading reporting, and violates : FCRA 1681e ( b ) failure to report maximum accuracy FCRA 1681s-2 unlawful furnishing of inaccurate data FCRA 1681i failure to correct after dispute IRS cancellation rule 1.6050P-1 debt is discharged A canceled debt can not legally be reported as owed or updated as active.

I am requesting immediate correction to show {$0.00} balance and discharged status, or deletion of the tradeline.

I have attached : IRS transcript showing 1099-C cancellation Credit bureau screenshots Copies of dispute 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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I deposited a check for {$2100.00} from XXXX XXXX XXXX XXXX XXXX into my personal Huntington Bank account. The payment was for business services performed by my company, XXXX XXXX XXXX, which at the time was operating under the trade name XXXX XXXX. 

After the deposit, Huntington placed the funds on hold and requested proof that XXXX XXXX was my business and that I was the authorized signatory. I provided complete documentation including : EIN confirmation from the IRS IRS Form W-9 showing XXXX XXXX  as the business name XXXX XXXX XXXX business-account verification ( account established before this check was issued ) Email correspondence from XXXX XXXX confirming that the check was correctly issued, properly endorsed, and that no dispute exists. 
Huntington has already processed prior ACH payments from XXXX XXXX payable to XXXX XXXX without issue. Despite multiple follow-ups and submission of all requested materials, the bank has not released the funds or provided a written explanation citing any specific policy or law that prevents release. 

This hold has now become indefinite, leaving legitimate business funds inaccessible and directly affecting my ability to pay business and household bills, including vendor invoices, utilities, and insurance. It has also interrupted my companys cash flow and forced me to delay projects and obligations that rely on timely reimbursement for completed work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-03 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that are harming my creditworthiness. Despite my diligent efforts to maintain accurate credit history, the following errors remain unresolved. I request your immediate assistance in investigating and rectifying these issues. 

1. Wrong Addresses Reported XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are incorrect and do not belong to me. Their inclusion may indicate identity theft or misreporting, and I demand they be removed.

2. Inaccurate Late Payment Reporting The following accounts are being reported as having late payments, which is factually incorrect : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$8.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$350.00} XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$0.00} I have never made a late payment on any of these accounts. I request immediate correction of these inaccuracies. 

3. Disputed Charge-Off Accounts I have no knowledge of the following accounts or the balances reported and dispute their validity under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$93.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} Under 15 U.S.C. 1681i, I request that these accounts be fully verified with proper documentation. If verification can not be provided, they must be permanently removed from my credit report. 

4. Unauthorized Inquiries The following inquiries appear on my credit report without my authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, these inquiries should only appear with my explicit consent. I demand removal of all unauthorized inquiries. 

Conclusion These inaccuracies are negatively impacting my credit score and financial well-being. I demand that each item listed above be investigated, corrected, or deleted as appropriate. I also request written confirmation of your actions and the results of your investigation. 

I appreciate the CFPBs assistance in holding credit reporting agencies and furnishers accountable for maintaining accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: TX

Complaint narrative:
Netspend I have sent you a message and now I am emailing you. You have not gave me evidence too show I paid and authorized these charges. As I have told your company this is my money and never authorized these charges. 

Replace my government money right now. 
I told your company I never continue the membership and the charged hit my card over and over again. 
Without my authorization. 

Send me the copy from these company CALLED XXXX XXXX XXXX TIME, CHARGED ME XXXX  XXXX XXXX TIME CHARGED ME, XXXX XXXX XXXX TIME CHARGED ME, AFTER I CANCELLED THEY ADDED A HIGHER PRICE OVER AND OVER! 
No refund my money stop stealing my money for investor that discriminates against XXXX people on purpose! 

Thank you Message Netspend Account Dispute Update XX/XX/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 2025-11-03 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: PA

Complaint narrative:
I am disputing the accuracy and completeness of your reporting of the accounts listed below.

This dispute is made pursuant to FCRA 623 ( a ) and 623 ( b ), which require furnishers to report accurately and to investigate, review, and correct or delete disputed information. 



Disputed Accounts & Specific Defects : XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOF

D. Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 



XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOFD. 

Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 



XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOFD.

Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 









XXXX XXXX Charge-Off Misreported late months ; payment history inconsistent with account records. 



XXXX XXXX Charge-Off Status conflict ( Open vs. Closed ) and date discrepancies. 



XXXX XXXX Charge-Off Status conflict ( Open vs. Closed ) and date discrepancies. 





XXXX XXXXXXXX Charge-Off Balance/date conflicts ; possible re-aging beyond allowable 7-year reporting period. 



XXXX Charge-Off Incomplete account number, unverifiable payment history, inconsistent DOFD. 



XXXX XXXX XXXXXXXX Charge-Off Balance mismatch ; late payments reported after closure. 



XXXX XXXX XXXX Reported as active on one bureau, closed on another. 



XXXX Charge-Off DOFD inconsistent ; incomplete payment history. 



XXXX XXXX Charge-Off Conflicting balances and dates ; unverifiable with competent records. 





XXXX XXXX XXXXXXXX Charge-Off DOFD and balance inconsistencies ; incomplete payment history. 



XXXX XXXX XXXX Collection Reported without providing verification of debt ; balance discrepancies. 



XXXX - Collection Reported without providing verification of debt ; balance discrepancies. 



My Demands Under the Law : Conduct a reasonable investigation into each dispute as required by 623 ( b ) ( 1 ) ( A ).

Review all relevant information I have provided, including my enclosed documentation ( 623 ( b ) ( 1 ) ( B ) ).

Delete from the credit bureaus any information that is inaccurate, incomplete, or can not be verified ( 623 ( b ) ( 1 ) ( E ) ). 

Provide me with a written explanation and copies of all original documentation relied upon to verify the information, including contracts, payment histories, and charge-off records.

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 2025-11-03 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: PA

Complaint narrative:
I am disputing the accuracy and completeness of your reporting of the accounts listed below.

This dispute is made pursuant to FCRA 623 ( a ) and 623 ( b ), which require furnishers to report accurately and to investigate, review, and correct or delete disputed information. 



Disputed Accounts & Specific Defects : XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOF

D. Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 



XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOFD. 

Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 



XXXX XXXX XXXX XXXX Charge-Off Conflicting balances/statuses between bureaus ; inconsistent DOFD.

Violations : 623 ( a ) ( 1 ) ( A ) ( inaccurate reporting ), 623 ( b ) ( 1 ) ( A ) - ( E ) ( failure to investigate and correct ). 









XXXX XXXX Charge-Off Misreported late months ; payment history inconsistent with account records. 



XXXX XXXX Charge-Off Status conflict ( Open vs. Closed ) and date discrepancies. 



XXXX XXXX Charge-Off Status conflict ( Open vs. Closed ) and date discrepancies. 





XXXX XXXXXXXX Charge-Off Balance/date conflicts ; possible re-aging beyond allowable 7-year reporting period. 



XXXX Charge-Off Incomplete account number, unverifiable payment history, inconsistent DOFD. 



XXXX XXXX XXXXXXXX Charge-Off Balance mismatch ; late payments reported after closure. 



XXXX XXXX XXXX Reported as active on one bureau, closed on another. 



XXXX Charge-Off DOFD inconsistent ; incomplete payment history. 



XXXX XXXX Charge-Off Conflicting balances and dates ; unverifiable with competent records. 





XXXX XXXX XXXXXXXX Charge-Off DOFD and balance inconsistencies ; incomplete payment history. 



XXXX XXXX XXXX Collection Reported without providing verification of debt ; balance discrepancies. 



XXXX - Collection Reported without providing verification of debt ; balance discrepancies. 



My Demands Under the Law : Conduct a reasonable investigation into each dispute as required by 623 ( b ) ( 1 ) ( A ).

Review all relevant information I have provided, including my enclosed documentation ( 623 ( b ) ( 1 ) ( B ) ).

Delete from the credit bureaus any information that is inaccurate, incomplete, or can not be verified ( 623 ( b ) ( 1 ) ( E ) ). 

Provide me with a written explanation and copies of all original documentation relied upon to verify the information, including contracts, payment histories, and charge-off records.

Company response to consumer: Closed with non-monetary relief