vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-27 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: OH

Complaint narrative:
Subject : Fraudulent Account Reinsertions & Illegal Reporting I am filing this complaint because TransUnion has reinserted fraudulent accounts that were previously deleted. These accounts were all included in my FTC Identity Theft Report : XXXX XXXX XXXX XXXX ( # XXXX ) XXXX  XXXX  ( # XXXX ) XXXX XXXX XXXX  ( # XXXX ) Violations : FCRA 605B : These accounts are tied to identity theft and must be blocked permanently once proper documentation is received.

FCRA 611 ( c ) ( 1 ) : TransUnion reinserted deleted accounts without providing notice within 5 business days.

FCRA 611 ( a ) : TransUnion failed to conduct a reasonable reinvestigation despite receiving my FTC Theft Report, ID, and supporting documents.

FCRA 623 ( b ) : Furnishers failed to ensure consistent reporting across all CRAs XXXX  deleted these tradelines, yet TransUnion continues to report them.

FCRA 607 ( b ) : By allowing reinserted, fraudulent accounts to remain, TransUnion is failing to ensure maximum possible accuracy.

This mirrors the systemic misconduct highlighted in the CFPBs lawsuit against XXXX  ( XX/XX/year> ), which exposed sham investigations and illegal reinsertion. TransUnion is engaged in the same unlawful practices, causing my score to drop over 100 points and blocking me from personal credit and business funding.

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 2025-08-27 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-27 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: GA

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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Complaint Regarding Improper Disclosure of Debt Information To Whom It XXXX Concern, I am filing a complaint against XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ). 
A representative or agent of the above-named creditor/debt collector left sensitive paperwork on the door of my residence in XXXX XXXX, Texas XXXX This paperwork contained my full name, address, account details, and detailed financial transactions. It was left visible on my front door for several hours, exposing my private financial information to neighbors, visitors, delivery personnel, and the general public. 

This conduct constitutes an improper disclosure of debt information to third parties and violates FDCPA protections regarding consumer privacy. 

I request that the CFPB investigate this matter and take appropriate enforcement action against the creditor/debt collector. 

Please contact me if you need supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I have discovered that my credit report contains public records that are not associated with me, which is deeply troubling. I urgently request the removal of these inaccuracies, as they are causing me considerable stress and anxiety.

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 2025-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Our XXXX  account has been frozen, and despite multiple detailed explanations and supporting information, XXXX  has failed to take meaningful steps to resolve the issue. We have demonstrated clearly that we do not owe the debt they claim, yet XXXX  continues to insist that we owe nearly {$2500.00} for repayment because they allegedly covered insufficient funds for a payment we made. 

In reality, no such repayment obligation exists. The situation arose from a fraudulent scheme involving the movement of funds. Specifically, my mother transferred money to our account, which was promptly returned to her. However, during that process, her original bank account was shut down, leaving no destination for the returned funds. As a result, the funds were caught in limbo. XXXX  claims to be investigating, but they can not provide any information on who is involved in the investigation, and it is clear they have not contacted the relevant parties. 

Attempts to escalate the issue have been met with refusal. XXXX representatives will not transfer me to another department, nor will they provide direct access to the risk team, stating they are only reachable by email. Even when I requested to speak to a manager, the representative denied the request. This lack of transparency and accountability leaves consumers trapped in endless automated chats without any meaningful resolution. 

XXXX practices in this matter feel deeply unfair and harmful to consumers. By blocking access to higher-level support and failing to properly investigate disputed debts, XXXX  is effectively holding my accountand my fundshostage without justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
On XX/XX/XXXX I arrived at XXXX XXXX XXXX in XXXX to Trade in my XXXX XXXX XXXX. The Sales worker XXXX XXXX assisted me. I explained to her I would like to trade in my car to get a new vehicle. XXXX told me I was approved for the trade in and took my vehicle. The new vehicle is a XXXX XXXX XXXX XXXX. I contacted my previous lender on the XXXX XXXX and informed them on the trade. XXXX told me multiple times that she would contact the lender to give them information on the trade in. I contacted XXXX each week on this matter because the lender had not been contacted. On XX/XX/XXXX I contacted XXXX again she stated that she would now have finance contact them. My previous lender left me a voicemail stating that XXXX does not have any information on a trade in vehicle. I immediately contacted XXXX XXXX XXXX to speak with a supervisor I spoke with XXXX XXXX who informed me he did not know where my was and there is no trade in the system. I arrived to the dealership on XX/XX/XXXX at XXXX am XXXX XXXX said she could not find my car keys and she thought it was a trade in. XXXX XXXX came in the office and informed me that I didnt trade in the car their is no proof and I have XXXX car notes. XXXX instructed me to voluntarily return my XXXX XXXX to the lender after the dealership keeping my XXXX since XX/XX/XXXX. I have not been in possession of the car since I left the XXXX dealership. I now owe my previous lender and I am late on the payments.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-27 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 the victim of a data breach that exposed my personal and financial information. As a result, my credit file contains inaccurate and fraudulent items that do not belong to me. These errors have created an unfair and harmful picture of my credit history. I respectfully request that the following be investigated and permanently removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Hard Inquiries Not Associated with Open Accounts Equifax : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Experian : XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX Bank XXXX ( XX/XX/XXXX ) TransUnion : XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX Bank XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Incorrect Names The following name variations are not my legal or correct name and should be deleted from my file : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are incorrect and should be deleted to prevent further identity confusion : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; XXXX XXXX XXXX Ct, XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Employers The following employers XXXX not correct XXXX be removed from my report : XXXX XXXX ; XXXX XXXX XXXX System ; Healthline Media ; XXXX XXXX The presence of these inquiries , the inaccurate personal information are the direct result of identity theft and data breaches outside of my control. They do not reflect my true financial behavior or history. Because they are unverifiable and misleading, they should not remain on my credit record. 

I respectfully request that these erroneous items be removed from my credit file so that it accurately reflects my identity and creditworthiness.

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 2025-08-27 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: IL

Complaint narrative:
I am the victim of a data breach that exposed my personal and financial information. As a result, my credit file contains inaccurate and fraudulent items that do not belong to me. These errors have created an unfair and harmful picture of my credit history. I respectfully request that the following be investigated and permanently removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Hard Inquiries Not Associated with Open Accounts Equifax : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Experian : XXXXXXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX Bank XXXX ( XX/XX/XXXX ) TransUnion : XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX Bank XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) Incorrect Names The following name variations are not my legal or correct name and should be deleted from my file : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are incorrect and should be deleted to prevent further identity confusion : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; XXXX XXXX XXXX Ct, XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Employers The following employers XXXX not correct XXXX be removed from my report : XXXX XXXX ; XXXX XXXX XXXX System ; Healthline Media ; XXXX XXXX The presence of these inquiries , the inaccurate personal information are the direct result of identity theft and data breaches outside of my control. They do not reflect my true financial behavior or history. Because they are unverifiable and misleading, they should not remain on my credit record. 

I respectfully request that these erroneous items be removed from my credit file so that it accurately reflects my identity and creditworthiness.

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 2025-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing a fraudulent account that has been wrongfully included in my credit file. I did not authorize, open, or manage this account at any point, and its reporting is completely inaccurate. The continued presence of this false account is causing serious damage to my financial standing and misrepresents my credit history.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-27 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 BANK # XXXX XX/XX/year> -- {$14000.00} XXXX, XXXX # XXXX XX/XX/year> -- {$7800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Last reported XX/XX/XXXX {$460.00} Open balance CREDIT COLLECTION SERVICES Original creditor XXXX  Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Placed for collection Account information disputed by consumer Account information disputed by consumer Original creditor name CREDIT COLLECTION SERVICES This was a payment from XXXX. The company was informed to stop policy due to having another cheaper policy. XXXX decided to wait a month later and then charge me for a month of not needing there services. When asked about it they stated it needed to be paid. I explain to them I called to cancel that policy after I received a new policy somewhere else and that it was in the middle of the month so that shouldnt have been a charge. 
Weeks later stated receiving letters in the mail from debt collection stating it was sent to them to collect. When I currently spoke to someone the person stated that it has to be paid. When I explain that to the Collection representative she stated it wasnt anything else to be done but pay the balance to get the negative remark removed in 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: Experian Information Solutions Inc.
State: GA

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 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
" Huntington Heads Up. We processed a deposit : {$11000.00}. Acct XXXX has a {$11000.00} bal ( XX/XX/year> XXXX XXXX XXXX ). '' On XX/XX/XXXX, I attempted to make a {$2000.00} purchase to XXXX. It was denied. I contacted support, I verified that I made the payment. Support said " Try again in XXXX hours. '' I tried again in XXXX hours on XX/XX/XXXX, and I could no longer log in to my account. I contacted support, and they said my account is being closed. '' I then received this message. 

" Huntington Heads Up. Acct XXXX is on hold as of XX/XX/year> XXXX XXXX XXXX and XXXX be closed. Call us at ( XXXX ) XXXX. '' I contacted support again, asking for more details, which they could not provide, such as the reason and when I should expect my funds. They claimed it was a backend team and had no way of contacting a human to discuss the reason. They told me on the XXXX, that a latter would be sent out with a check " tomorrow. '' I waited all week and weekend for said letter. I contacted them on XX/XX/XXXX, and support said my account was still on hold because of a pending transfer and order of checks. Both were received by XX/XX/XXXX. She said it could take up to XXXX  days from XX/XX/XXXX to be sent. 

I have {$10000.00} in balance and I find this behavior beyond inappropriate and unfair by Huntington Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
This problem is seriously affecting my peace of mind and sleep. Considering my reliable payment history, I kindly urge you to update my account without delay to relieve this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This debt is not mine and is a result of identity theft. It is from XXXX XXXX for the amount of {$610.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Received call XX/XX/year>, from XXXX, caller indicated her company 's name is Transworld System Inc. 

This is one of a many calls I've received over the past several years with the intent to connect with XXXX XXXX for the purpose of debt collection. 

These debt collectors must be using some database and start calling any associated number with the person they are trying to collect from. 

I'm tired of receiving these calls. They are not doing their due diligence and are a constant annoyance.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XX/XX/XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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