vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX. XXXX XXXX XXXXXXXX - 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 2025-07-06 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-06 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: CL Holdings LLC
State: TX

Complaint narrative:
Does that collector has hit my credit score multiple times in a month has also increased the amount between XXXX XXXX XXXX dollars hitting my credit score any boys between XXXX to XXXX points each time this is unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I am submitting this dispute with an urgent demand for immediate deletion of the charge-off account listed by XXXX XXXX XXXX XXXX XXXX I have previously requested a reinvestigation and demanded verification of this debt, but the creditors have failed to provide adequate supporting documentation or a timely resolution of the issue. 

The continued reporting of this inaccurate and misleading information violates the Fair Credit Reporting Act ( FCRA ) and is causing undue harm to my credit standing. This dispute is now escalated, and I demand full removal of this account from my credit file immediately. 



Dispute Grounds & Legal Violations : 1. Failure to Respond to Previous Reinvestigation Request ( FCRA 611 ) I have previously requested a reinvestigation of this account, yet no proper response has been provided within the required 30-day period. XXXX XXXX XXXX XXXX has failed to verify the debt and has not provided any supporting documentation or proof of the Date of First Delinquency ( DOFD ). This is a direct violation of FCRA 611, which mandates a timely response and proper investigation. 
2. Re-Aging & Illegitimate Reporting ( FCRA 605 ( a ) ( 4 ) ) The account was closed on XX/XX/XXXX but continues to report as updated through XX/XX/XXXXXXXX  with a removal estimate of XX/XX/XXXX. This constitutes re-aging of the account and a violation o

f the 7-year reporting period under FCRA 605 ( a ) ( 4 ). There is no justification for the extension of this reporting period, and it is blatantly misleading. 3. Inconsistent and Misleading Information The account shows {$0.00} payments and a consistent charge-off status, yet no supporting documents have been provided to explain the updated status each month. The lack of accurate payment history and the continual charge-off status despite no changes is misleading and inaccurate. This violation is directly addressed under FCRA 607 ( b ), which requires accurate reporting of all account details.

4. Failure to Provide Proper Documentation of Debt ( FCRA 623 ( b ) ) I have repeatedly asked for verification of this debt and supporting evidence. XXXX XXXX XXXX XXXX has failed to provide any documentation supporting the continued reporting of this charge-off account. As required by FCRA 623 ( b ), creditors must provide documentation when a dispute is raised, which has not been provided in my case. 
Creditor : XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXXXXXX  Reported Balance : {$830.00} Current Status : Charged-Off Date of Last Update : XX/XX/XXXXXXXX  Projected Removal : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-06 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: CT

Complaint narrative:
In XX/XX/XXXX, a charge of {$660.00} appeared on my Apple Card account that I did not recognize. I immediately disputed the charge and was told the matter would be investigated. Since then, the dispute has been closed and reopened multiple times over the course of more than a year, without ever receiving a full explanation or documentation of the charge. Each time, Ive been told that the charge is valid, but I have never been provided with any supporting details beyond the statement no billing error found. 

On XX/XX/XXXX, I was informed by an Apple support agent that the dispute had been reasserted and that a provisional credit should be on my account during the review. However, no provisional credit was issued. After days of messaging with multiple agents and repeating the situation to at least five different representatives I was told there had been internal confusion between multiple open cases. The case I was previously told was under review was not, and only a new case opened in XX/XX/XXXX is considered the active one. 

This extended mishandling has caused emotional stress and left me vulnerable to interest charges on a balance I have repeatedly and in good faith disputed. I have made repeated and reasonable requests for information, provisional credits during active reviews, and clarity about the dispute timeline. None have been fulfilled appropriately. 

At this point, I am seeking formal intervention to resolve the dispute, obtain proper documentation of the charge, and ensure I am not financially penalized through interest or denied credit protection while my dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
COLLECTION ACCOUNT : Spring Oaks Capital XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor- XXXX XXXX XXXX COLLECTION ACCOUNT : Spring Oaks Capital XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor- Security Finance of Texas Subject : Demand for Debt Validation showing physical documentation not verbal wording that it was validated as my debt and remove immediately inaccurate accounts and/or inaccurate accounts that you have not provided physical validation of this debt as mine Immediate Compliance Required To Whom it may concern, I submitted through the CFPB complaints on these accounts more than once concerning a unresolved issue with this company and the reply I recieved through CFPB stated by the credit bureaus contacted the company and investigated and they validated it as my debt but there is no attachment or mail received showing how did they validate this debt as mine. 
I did not receive documents nor a attachment through CFPB showing proof of ownership or assignment of the debt. 2. Signed/ wet signature of agreement proving my liability. 3. Full purchase agreement, account history, including charges, fees, and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CO

Complaint narrative:
Experian did not fix anything on credit Or attempt To : IQ Data International Inc XXXX XXXX XXXX XXXX, XXXX  XXXX Request for Deletion of Harmful Negative Items under FCRA Section 605 ( b ) Vulnerable Consumer To Whom It May Concern I am writing to formally request the deletion of specific negative items from my credit report pursuant to Section 605 ( b ) of the Fair Credit Reporting Act ( 15 U.S. Code 1681c ). This section provides that negative information may not be reported if it causes harm to a consumer identified as vulnerable. 
I qualify as a vulnerable consumer under the law, as I am currently receiving public assistance through the following program ( s ) : SNAP ( Supplemental Nutrition Assistance Program ) SSI ( Supplemental Security Income ) WIC ( Women, Infants, and Children ) Medicaid Section 8 Housing Assistance The negative item ( s ) listed below are materially impacting my ability to access stable housing, credit, and essential services : IQ Data International Inc XXXX XXXX XXXX XXXX XXXX  XXXX ( open, collection, unpaid ) derogatory negative report {$2300.00} ) I respectfully request that you conduct a reinvestigation of these items in accordance with the FCRA and, given the undue harm being caused and my verified status as a vulnerable consumer, proceed with deletion of these harmful items under Section 605 ( b ). 
Enclosed Documentation : * Proof of public assistance ( e.g., benefit statement, award letter, eligibility notice ) * Copy of my credit report with highlighted negative items * Government-issued ID * Proof of address Please complete this reinvestigation within the 30-day time frame required by law. I appreciate your prompt attention to this matter and look forward to confirmation of the deletions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account The XXXX XXXX XXXX. 
XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account The XXXX XXXX XXXX. 
XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account

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 2025-07-07 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-06 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 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 non-monetary relief
Consumer complaint received 2025-07-06 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:
escription of the late payment reported by XXXX On my credit reports from XXXX XXXX and TransUnion, there is an entry marking a late payment for my account with XXXX, dated XXXX XXXX for the billing cycle. However : Payment made on time : I paid the full balance due on XXXX XXXX before the contractual due date and within the grace period provided in my agreement. 

No actual delinquency : There was no delay in processing my payment by my bank or by XXXX. 

Violation of the FCRA : By reporting inaccurate negative information, XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information. 

This incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure XXXX compliance with federal consumer protection 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 2025-07-06 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: NJ

Complaint narrative:
escription of the late payment reported by XXXX On my credit reports from Equifax, XXXX XXXX XXXX, there is an entry marking a late payment for my account with XXXX, dated XXXX XXXX for the billing cycle. However : Payment made on time : I paid the full balance due on XXXX XXXX before the contractual due date and within the grace period provided in my agreement. 

No actual delinquency : There was no delay in processing my payment by my bank or by XXXX. 

Violation of the FCRA : By reporting inaccurate negative information, XXXX is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide only truthful, complete, and up-to-date information. 

This incorrect report is unfairly damaging my credit score and financial reputation. I respectfully request that the CFPB investigate this discrepancy, order the immediate removal of the late payment entry, and ensure XXXX compliance with federal consumer protection law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
between the three bureaus my credit scores are significantly different. I have disputed collections and late payments on my reports, and I have not received any justice on either of these. I understand that the three bureaus have had a glitched in their systems which have affected my scores. I am asking for a review of my 3 the credit reports and updates. Please remove the collections.

Company response to consumer: Closed with explanation