vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : TransUnion Illegally Re-Reporting Previously Settled XXXX XXXX XXXX  Re-Aged with False Data After Deletion Request ( CFPB Case # XXXX ) To Whom It May Concern, I am submitting this complaint against TransUnion for allowing the reappearance of a collection tradeline from XXXX XXXX XXXX XXXX XXXX XXXX XXXX that was settled, deleted, and then improperly re-reported with false information, directly violating the Fair Credit Reporting Act and the outcome of a prior CFPB complaint ( Case # XXXX ). 

Account Details : Original Creditor : XXXX XXXX / XXXX Current Owner : XXXX XXXX XXXX Servicer : XXXX XXXX XXXX Reference Number ( XXXX  ) : XXXX Account Number ( Last 4 ) : XXXX Tradeline Reported To : TransUnion only Falsely Reported Open Date : XX/XX/2025 Balance Listed : {$1000.00} Reported As : Open and derogatory with no payment or account history What Happened : This exact debt was paid in full on XX/XX/2025 for {$320.00} ( see attached company response ). 
XXXX confirmed in writing on XX/XX/2025 that the account was satisfied and that they submitted a deletion request to the credit bureaus.

The item was removed following that resolution.

Now, TransUnion has re-listed this same debt with : A false open date of XX/XX/2025 No payment history As if it is a new collection, creating a duplicate and inaccurate reporting instance This is not a case of continued aging on an old tradeline, this is fresh, re-aged, and materially false reporting of a settled and closed account.

Violations by TransUnion : FCRA 1681i ( a ) : Failure to maintain reasonable procedures to ensure accuracy FCRA 1681s-2 ( b ) : Failure to correct/delete information after a furnisher dispute resolution FCRA 1681c ( a ) : Re-aging of account data FCRA 1681e ( b ) : Allowing inaccurate data to be furnished after confirmed deletion This illegally re-reported item is the only collection account on my credit report, and its false presence is damaging my credit, finances, and current lending opportunities. The entire situation is illegal, especially since TransUnion had every opportunity and obligation to block or suppress the tradeline once the furnisher submitted deletion.

What I Demand : 1. Immediate and permanent deletion of this false tradeline from TransUnion.

2. Internal investigation and written confirmation of steps taken to correct this error.

3. Preventative flag to block this tradeline from ever being re-reported under any new variation.

I expect TransUnion to act swiftly and responsibly, this is now a pattern of harm and mishandling, and I expect the CFPB to escalate enforcement accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : 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 2025-06-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NJ

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-06-30 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Fourth and Final Demand Unverified and Unsubstantiated Debt Reported by XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX, who is reporting an alleged debt on my XXXX  and Equifax credit reports with no legal proof of ownership, no contract, no validation, and no legitimate authority to collect or report this debt. 

This is now my fourth attempt to dispute and resolve this matter, and the company continues to violate federal law by maintaining and verifying unverifiable data. 

Account Details : Furnisher : XXXX XXXX XXXX XXXX : {$1500.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Account Number : XXXX Reporting Bureaus : Equifax and XXXX Federal Law Violations : FCRA 15 U.S.C. 1681i ( a ) Credit bureaus and furnishers must conduct a reasonable reinvestigation and delete information if it can not be verified. No evidence was provided in response to my repeated disputes.

FCRA 15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum accuracy of the data reported. Reporting a collection account with no verified documentation or proof of liability is a failure to meet this standard.

FCRA 15 U.S.C. 1681b ( a ) ( 2 ) There is no permissible purpose shown for this company to access, furnish, or maintain this information without proof that this debt is valid and contractually tied to me.

FCRA 15 U.S.C. 1681a ( w ) Misreporting or omitting key consumer information in credit files misrepresents the account history and violates accuracy obligations.

FDCPA 15 U.S.C. 1692g ( a ) and ( b ) XXXX XXXX XXXX never provided proper validation of the debt within 30 days of being requested to do so. No original agreement, chain of assignment, or legal basis to collect has been submitted.

FCRA Civil Liability 15 U.S.C. 1681n and 1681o Equifax, XXXX, and XXXX are all subject to civil liability for willful and negligent noncompliance with the FCRA, which has now occurred four times.

Metro 2 Compliance Violations The furnisher is in noncompliance with Metro 2 standards, including failure to properly code the account with accurate fields such as : Consumer Information Indicator ( CII ) Account Type ECOA Codes Date of First Delinquency These coding errors result in misleading or false reporting of the account. 

No Proof the Debt is Mine : I have not received : A signed contract or legally binding agreement Validation of the original creditors debt Proof of ownership or legal chain of assignment to XXXX XXXX Any form of debt validation under FDCPA 1692g ( b ) Simply verifying the account without providing any legally acceptable evidence is not compliance. It is abuse of the consumer reporting system and a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Debt Validation Request - Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Amount : {$570.00} Dear XXXX XXXX XXXX XXXX This letter is sent in response to your reporting of the above-referenced account on my credit report. This is NOT an acknowledgment of any debt owed. 

DISPUTE AND VALIDATION REQUEST : I formally dispute the validity of this alleged debt and demand strict proof of your claims pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ). 

REQUIRED DOCUMENTATION : Please provide the following within 30 days : XXXX. Proof of Original Debt : o Complete original signed agreement/contract with XXXX XXXX XXXX XXXX  XXXX Complete payment history from original creditor o Date of last payment made to original creditor XXXX. Chain of Title Documentation : o Legal proof of purchase/assignment of this debt to XXXX XXXX  o Bill of sale or assignment agreement showing purchase from XXXX XXXX XXXX XXXX  XXXX All assignments in chain of title XXXX. Legal Authority : o Proof you are licensed to collect debts in Georgia o Corporate documentation showing authority to collect this specific debt XXXX. Account Verification : o Itemized accounting showing how {$570.00} amount was calculated o Breakdown of principal, interest, fees, and charges o Proof debt is within Georgia statute of limitations ( 6 years for credit card debt ) FCRA VIOLATION NOTICE : Your account shows " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' yet continues to report negatively. This violates FCRA Section 623 ( a ) ( 8 ) which requires you to investigate disputes and halt negative reporting during investigation. 

DEMAND FOR COMPLIANCE : If you can not provide complete validation documentation : XXXX. Remove this account from all credit bureaus within 30 days XXXX. Provide written confirmation of deletion XXXX. Cease all collection activities on this account This communication is from a consumer to a debt collector for verification purposes only. 

Sincerely, 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 2025-06-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law.

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 2025-06-30 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened 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 explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I made XXXX separate deposits onto my pay pal card at XXXX different retail outlets on XX/XX/XXXX. Each was in the amount of {$500.00}. All transactions were successful and I had no issue depositing. You can only deposit {$500.00} at each retail outlet which is why I went to XXXX. Only XXXX of the deposits showed up in my pay pal account. I called right away that day and was told by Pay Pal that there is a {$1500.00} limit per day ( I was not aware of that ). they said to give it a couple days and it would show up. When it didn't they told me to go back to the retail establishment that I went to last which was XXXX. I did that and XXXX stated that Pay Pal accepted the funds that day. 
Pay pal then asked me to send them receipts and they would open a ticket. I did that on or around XX/XX/XXXX. I still didn't hear back in XXXX weeks and called again. They stated they couldn't read XXXX of the receipts so I resent the receipt. Again no communication from Pay Pal. I called again on or about XX/XX/XXXX and after hours on the phone I finally got someone who assured me she would look into it and sent me a message on my pay pal account and that was the last I heard. 
I called again on XX/XX/XXXX and was told there was " no ticket '', then that I needed to send the receipts which I had already done .. twice ... then she found the ticket and the receipts and said they " can't find the money ''. 
I understand how this could take a minute. And I have called to follow up more than listed here. But each time I call it is as if this is a new case and they start from scratch. I honestly don't think they are doing anything and I have seen similar complaints on social media about Pay Pal. I am missing {$500.00} which is alot of money for me. I sold a car to secure these funds that were needed so I need the {$500.00} into my account. I have tried to resolve on my own. 
The latest claim ticket number I received on XX/XX/XXXX was XXXX I appreciate any assistance with resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
On XX/XX/year> I reviewwed my credit report. I noticed the inconsistencies on my credit report. I am demanding for a proper investigation for all the inaccurate reporting sub, itted iin my 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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Collection Agency/Attorney XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Second Demand for Debt Validation & Cease Collection Activities Legal Notice To Whom It May Concern : This letter serves as my second formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, regarding the alleged debt associated with : Creditor : Collection Agency Attorney Original Creditor : XXXX Account XXXX Reported Status : Charge-off / Collection To date, you have failed to provide sufficient legal validation of this debt, yet continue to report or pursue collection. This is a violation of both federal and XXXX state law.

I now demand the following without exception : 1. Immediately cease and desist all collection activities, including : Reporting or furnishing data to any credit reporting agency ( XXXX XXXX XXXX  ) ; Contacting me via mail, phone, or any electronic means ; Selling, transferring, or assigning this debt to any third party. 
2. Provide full legal validation of this debt, including : The original signed contract bearing my wet-ink signature ; An itemized breakdown of the amount allegedly owed and how it was calculated ; A full chain of title, showing legal transfer of the debt from the original creditor to XXXX XXXX XXXX and to your agency/law firm ; Proof of your legal authority to collect in XXXX, including a valid state license or bond under XXXX XXXX XXXXXXXX ( b ) ; Documentation that this account is not time-barred under XXXX statute of limitations for consumer debt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ). 



3. Delete this account immediately from all credit reporting agencies. You are not permitted to continue reporting a debt that you can not legally validate. Reporting unverifiable information is considered furnishing false data, a direct violation of 15 U.S.C. 1681s-2 and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



If you fail to comply with this request, I will not hesitate to file formal complaints with : The XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ; The Consumer Financial Protection Bureau ( CFPB ) ; The Federal Trade Commission ( FTC ) ; And take civil action for damages, including attorney 's fees, as allowed under FDCPA, FCEUA, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


You have 15 calendar days from the date of receipt to respond with the complete documentation outlined above or delete and cease reporting and collecting on this alleged debt. 

Please be advised : further collection attempts without full validation are considered harassment and will be documented for legal action. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation