vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation.According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/year>, I withdrew XXXX from a XXXX ATM in XXXX, XXXX. I was charged {$680.00} due to unauthorized XXXX XXXX XXXX ( XXXX ). The ATM did not provide an opt-out option, no exchange rate disclosure, and no receipt. I filed a dispute with XXXX  ( case XXXX ) and asked for confirmation of XXXX  Reason Code XXXX and provisional credit, but Ive only received automated responses and no clear action. I have also filed a complaint with the XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

OFFICE OF THE ATTY XXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX US DEPT ED # XXXX - Date Opened XX/XX/XXXX UNKNOWN # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Upon checking my consumer reports for to obtain credit for a vehicle I noticed this company had reported this on my credit reports. I contacted them by written notification to get proper proof and validation of this alledged debt they claim I owe.They did not send proper validation. I just received an invoice notice. 

Transworld Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Sent via XXXX XXXX  Return Receipt Request RE : Formal Debt Dispute and Cease & Desist Notification To Whom It May Concern : This letter serves as a formal dispute and cease and desist request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. I am writing to notify you that I dispute the validity of any and all
accounts your company claimsI owe. I do not acknowledge any liability or responsibility for any such acc
ounts. Additionally, you have failed to provide a proper validation notice as required under 15 U.S.C. 1692g ( a ) within five ( 5 ) days of initial communication. Therefore, any attempt to collect is unlawful.

If your company is furnishing information about this alleged debt to any credit reporting agency, ( Which you have ) this may be a violation of 15 U.S.C. 1681s-2 ( a ) unless the debt has been verified and validated ( Which it has not ) If you can not validate the debt, you are required to immediately remove any tradelines from all consumer reporting agencies. XXXX XXXX XXXX XXXX, etc. 

You are hereby ordered to cease all communication with me, except by written mail to the address you have on file. Failure to comply, or continued attempts to collect a disputed and unverified & unvalidated debt, will result in formal complaints to the CFPB, FTC, and legal action under 15 U.S.C. 1692k and 15 U.S.C. 1681n. 

This is your final notice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$670.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere to XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
These accounts are fraudulent and unknown to me. Kindly remove them from my credit report within 15 days as mandated by USC 1681g. Supporting documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-18 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} INQUIRIES : XXXX  Date : XX/XX/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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my credit report and found multiple inaccurate personal identifiers listed, including names and addresses that do not belong to me or are outdated. These errors are affecting the accuracy of my credit file and may be contributing to misattributed accounts. 

I submitted a formal written dispute to Experian Report Number XXXX requesting the deletion of these incorrect names and addresses under the Fair Credit Reporting Act ( 15 U.S.C . 1681i ). I included a copy of my ID, proof of address, and highlighted the erroneous information.

Despite my documentation, the bureau has failed to correct or remove this inaccurate personal data. This is a violation of my rights under the FCRA, and I am requesting the CFPBs assistance in forcing the credit bureau to comply with federal law.

I am demanding full deletion of all inaccurate names, addresses, or identifiers that do not match my official records and a corrected copy of my credit 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 2025-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
1. ) This debt is a medical bill that has been paid. {$1100.00} x 2 2. ) It is also over 8 years old and has been sold to several different companies. ( They keep changing the date to close the time gap ).

3. ) It is the same fee that has been charged two times like its two separate charges. That is incorrect. ( So its showing a debt of {$2300.00} ( {$1100.00} x 2 ) This has caused my credit score to decrease and caused me to be declined for a credit account that I needed. Please have this removed. This is almost 10 years old. I don't have anything with this info any longer because it was resolved years ago. I can try to locate something, but I'm not sure if I will have any luck.

I just had a dispute with this same bill that was sold to XXXX XXXX XXXX. They keep selling my information to new people. 
We just had the same dispute # XXXX on XX/XX/year>. 

Please stop these people from constantly doing this to me. please!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized and fraudulent inquiries and accounts that appear on my credit report. These inquiries were made without my knowledge, consent, or legal authorization and are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681b Permissible purposes for obtaining a consumer report 15 U.S.C. 1681s-2 ( FCRA Section 623 ) Duties of furnishers to provide accurate information 15 U.S.C. 1681c-1 Blocking of information due to identity theft 15 U.S.C. 1681c-2 Procedure for blocking fraudulent data from consumer reports As a consumer, I have not authorized the listed inquiries, and they were not initiated by me. Under FCRA 1681b, a consumer report may only be accessed with a permissible

purpose and my express authorization. Since these inquiries were neither authorized nor legitimate, they constitute a violation of my consumer rights. Furthermore, I assert my rights under FCRA 1681c-1 and 1681c-2 to have this information blocked as a result of identity theft or fraud. I am including documentation to support my claim, including a copy of my ID, proof of address, and a highlighted copy of my credit report showing the fraudulent inquiries.

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 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CT

Complaint narrative:
I had a loan with Dividend Finance Co, a division of Fifth Third bank. My {$160.00} payment was due XX/XX/XXXX. I was arranging for a HELOC, and planned to pay off the Dividend Loan. I called and was given a payoff amount of {$11000.00}, good until XX/XX/XXXX. My last statement showed a principal balance of {$11000.00}. 
My HELOC funds were available XX/XX/XXXX. I called on XX/XX/XXXX, and was told that the XXXX figure was the payoff, and no negations were possible. I was also told interest was charged daily, and the longer I put off paying the loan, the more I would pay. 
I asked to speak to a manager, but was told it would be 24 - 48 hours before a manager would contact me. 

I basically was extorted : make their payment or face credit issues, as they would not recognize the loan as paid. I was told the interest charge was {$3.00} per day, and the difference was {$150.00}, which calculated to XXXX days!!!! 
Every Representative I spoke to had different figures and calculations. I was forced to pay the amount of {$11000.00}. they would not provide any proof ( confirmation number, etc ) and to date I have not heard from any manager. In my opinion, Dividend Finance is a " legal " loan shark, with deceptive interest charges and figures, as well as limited contact information. I felt definitely forced and extorted. I never received ANY loan agreement form Dividend. The loan was arranged by XXXX XXXX XXXX, a XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I

am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. The identity of the entity/entities responsible for carrying out this verification. Any documentation or evidence used to support the accuracy of the disputed items. I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

AM XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$37000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$220.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year>

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 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
i submitted disputes for cap one provided police report was a victim of identity theft and they will not remove it from my credit report

Company response to consumer: Closed with explanation