vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted all required documentation proving that I am a victim of XXXX  XXXX XXXX  back in early 2024. Despite this, none of the credit reporting agencies have acknowledged or acted upon my request. Under federal law, including the Fair Credit Reporting Act ( FCRA ) and the XXXX  Victims Protection Act ( TVPA ), I demand the immediate deletion of all information related to this matter, including payment history and any other records, from my credit reports and all consumer reporting agency databases. 

This removal is legally mandated to protect survivors of trafficking and to ensure accurate and fair credit reporting. Please confirm receipt of this request and provide a timeline for completing this action without further delay.

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 2025-10-28 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: AZ

Complaint narrative:
Remove any disputed accounts as soon as legally required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FEDChex Recovery, LLC
State: FL

Complaint narrative:
Summary This complaint concerns XXXX XXXX XXXX and its third-party debt collector ( FCR / FedChex ) attempting to collect a balance after XXXX acknowledged my insurers payment and promised me a refund that was never issued. 

XXXX XXXX XXXX 2025 ( XXXX XXXX ) : XXXX opened a claim and stated in writing it would seek payment from my auto insurer and would not charge my card while doing so. 
XXXX XXXX, 2025 : XXXX charged my credit card three amounts totaling {$4600.00} ( {$3500.00} ; {$1100.00} ; {$20.00} ). 
XX/XX/year>2025 : XXXX claims representative confirmed their subrogation team had verified insurance payment and calculated a refund due to me of {$3500.00} ( their figures : total damages {$6600.00} ; insurer paying {$5400.00} ; remaining balance {$1100.00} ; I had already paid {$4600.00} ; net refund {$3500.00} ). 
XXXX 2025 : XXXX repeatedly stated an internal chargeback hold prevented the refund, even after I told them my bank disputes would be closed. 
XX/XX/year>2025 : I sent XXXX XXXX XXXX dispute-closure letters. XXXX acknowledged receipt and said they would proceed. 
XX/XX/year>2025 : XXXX confirmed in writing my refund was being processed and would post in 35 business days. 
XX/XX/XXXX & XX/XX/scrub>, 2025 : Instead of issuing the refund, XXXX sent new emails saying they were still investigating due to a restriction on my account. 
XX/XX/scrub>, 2025 : I received a collections notice from FCR/FedChex seeking {$2600.00} ( XXXX invoice XXXX ). 

My actions Provided insurance information immediately and cooperated throughout.

Supplied bank dispute-closure letters and additional documentation upon request.

After the collections notice, I sent a written FDCPA debt-validation dispute to FCR/FedChex ( within 30 days ) and requested itemization and cessation of collection pending validation.

Why Im complaining XXXX charged my card despite its earlier assurance it would pursue insurance first ; later confirmed a refund of {$3500.00} and said it was processing, but then placed the account with collections for {$2600.00} instead of refunding me. This sequence is unfair and has caused ongoing harm and risk to my credit. 

What I want XXXX. XXXX to recall the collection, instruct FCR/FedChex to cease all activity, and ensure no negative credit reporting. 
XXXX. XXXX to issue the refund of {$3500.00} previously approved and promised. 
XXXX. Written confirmation that my XXXX account reflects a {$0.00} balance and the matter is closed. 

Attachments being provided XXXX emails : ( a ) initial assurance re : insurance/no charging ; ( b ) XX/XX/scrub> 2025 refund calculation ; ( c ) XX/XX/scrub>, 2025 refund processing in 35 business days. 
XXXX  XXXX dispute-closure letters ( XX/XX/scrub> 2025 ). 
FCR/FedChex collections notice ( XXXX XXXX, 2025 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX we purchased motorcycle fairings from XXXX XXXX. The charge was {$810.00}. We did not receive them until XXXX ( from XXXX ) and when we did they were damaged and unusable. Communicating with the company was difficult, we told them they were damaged. They responded with phone calls but not emails usually.. 
they told us they were issuing a refund for the unusable purchase and then refunded {$25.00}. 
I then disputed the purchase with my Apple Card ( Goldman Sachs ). I provided photo evidence, a third party evaluation ( per their request ). I have spent hours and hours and hours on this dispute and on the phone with Apple. Hey will not let you speak directly to anyone on dispute office. Every rep and manager I spoke to ( many over the last 6 months and three disputes ) agreed with me and apologized. I have read in this time the many many cases that Goldman Sachs has also denied disputes and the millions of dollars I settlements they have had to pay because of their poor handling of disputes. Even though my stress and health have suffered because of this dispute and their handling of this issue I can not stop because this company sent defective motorcycle parts. 
We have had to purchase new ones at great expense and the defective ones have sat in my garage for 6+ months while I endure dispute after dispute with a product that was cheap and I can not use. Gilman Sachs said that XXXXXXXX XXXX  did issue a refund, but how is {$25.00} on an {$810.00} purchase and unusable product sufficient?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPT EDXXXX 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 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 FRAUDULENT INQUIRIES : 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 2025-10-28 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: NC

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX, I became a victim of a fraud/scam involving unauthorized transactions on my checking account through my XXXX XXXX. I noticed the fraudulent activity immediately and took action within seconds of it happening. That same day, I reported the incident to my banking institution and to XXXX, filed a police report, and obtained a case number. 

I also took all proper and proactive security measures to protect my information. I deleted all cards from my XXXX XXXX, physically went to XXXX for assistance, and performed a factory reset on my phone to ensure no further compromise. Additionally, I obtained a new debit card and changed all login credentials and passwords for all of my accounts that same day. 

Despite taking every correct step immediately and providing all requested documentation, communication from both my bank and XXXX was extremely delayed. Over the course of the next two months, I received no clear feedback or resolution instead, I was repeatedly transferred between departments with no progress. I effectively had to conduct my own follow-up and investigation. 

After all this time, my claim was denied, even though I had no part in the transactions and did not authorize any of them. I am the victim of a fraudulent event, and I took every responsible and timely step to report, document, and resolve it.

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 2025-10-28 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: URS Holding, LLC
State: MN

Complaint narrative:
Received text from XXXX on XXXX FINAL NOTICE : XXXX XXXX, respond today or further action may proceed. Call XXXX XXXX XXXX at XXXX. Reply STOP to opt out. I contacted XXXX. Stated to collect a debt, would not state who debt was for til asked 3rd time, Rep stated owe XXXX for cash net payday loan from XXXX  for XXXX or XXXX loan never paid back. Ask why would you take from XXXX  to contact me, no emails, nothing mailed & have same cell # for XXXX. Rep stated they send a judgement last week ( week of XXXX ). Advised rep I have not received anything in the mail. Rep verified last 4 digits of doc sec # & address, birthday incorrect, XXXX, employment for XXXX  was not XXXX XXXX XXXX.I hadnt work for that company in almost XXXX. I informed the rep Im contacting an attorney. I stated there is no way a payday company would have not collected their money. Asked rep to email me the information that was mailed but she wouldnt answer me just rudely kept asking when I would pay debt. Filing a complaint that this collection agency is refusing to provide me with the debt information, trying to collect a alleged debt supposedly from XXXX  when XXXX URS could have contacted me anytime between now & then, nothing on credit report and I check my credit report. Without providing debt information is a fraudulent act to collect money not owed, also Im not sure they have the correct person if this a legitimate claim.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Source Receivables Management ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Letter received XX/XX/year> regarding debt owed to XXXX. Cell service was transferred to XXXX on XX/XX/year> and XXXX was given notice to discontinue service on that day. XXXX account was set up on a monthly charge to my credit card and no additional charges were received. Now I get a collection notice for past due balance. How can that be when it was set up on auto monthly charge.

I am disputing this charge but was told over the phone that they could not do anything about it and to pay the balance. I have excellent credit and don't want this reported but I don't owe XXXX anything. Reference # XXXX dated XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-28 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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