vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
Transunion, Experian, and Equifax continue to report an account listed as XXXX XXXX XXXX  on my credit report when they know it is fraud. The company never had my consent to open this credit line and has stated it was fraud but neither company removed the account. I am more demanding the immediate removal of the XXXX  account. I will still be suing each credit bureau for damages you have caused me over these last few months thats I have been dealing with identity theft. It has caused me great emotional distress.

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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
I am filing this complaint against Ragan & Ragan, who is attempting to collect a debt. I initially set up a payment plan with them in XX/XX/XXXX. However, from XX/XX/XXXX through XX/XX/XXXX, I simply forgot to make the scheduled payments. 

In XX/XX/XXXX, I resumed efforts by making payments and reaching out around XX/XX/XXXX, offering to restart payments at XXXX XXXXXXXXmonth based on my current financial situation. I also explained my hardship and intention to stay on track moving forward.

Instead of accepting my offer or re-establishing the payment plan, they responded by threatening wage garnishment and have even contacted my employer to request pay stubs, which has caused additional stress and concern about my employment.

I have shown willingness to pay and resolve the debt voluntarily. Their refusal to work with me, despite my good faith efforts, and their escalation toward garnishment feels unfair and aggressive. I am requesting that the CFPB review their conduct and assist in pausing any garnishment actions so I can continue paying on this debt without further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S. Code 1601 To Whom It May Concern, I am writing to dispute the inaccurate and damaging account information listed on my credit report related to XXXXXXXX XXXX XXXXXXXX Under 15 U.S. Code 1601, the Truth in Lending Act ( TILA ) was established to ensure the informed use of credit through meaningful disclosure of terms and fair billing practices. This account was reportedly closed at the creditors request and marked as a charge-off with a past due balance of {$350.00}. I am challenging the accuracy and completeness of this information for the following reasons : The creditor failed to properly notify me in accordance with TILA about changes, delinquencies, or my right to dispute the charges before reporting the account negatively. 
The reporting of a charge-off and past due status simultaneously is misleading and may constitute double jeopardy in reporting.

The balance, charge-off status, and dates listed are inconsistent with accurate account records and proper compliance with disclosure and notification procedures outlined in TILA.

Therefore, I am demanding an immediate deletion of this account from my credit report due to its violation of my rights under federal law and its failure to reflect accurate and verifiable reporting standards. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove any unverifiable or inaccurate information. If this account can not be fully validated with full documentation within 30 days, it must be removed immediately. 

Please provide me with a written response confirming the deletion or correction of this account, along with an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX, with a balance of {$1300.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned account, collection, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, and hard inquiries are the result of 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against [ Loan Servicer Name ], XXXX, Equifax, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education. 

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
To Whom It May Concern, Since I know what about The Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt in my name but I am unaware if this is the correct amount due and your bill does not include a detailed breakdown of any fees.

Furthermore, I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to protect my privacy and medical records from third parties. 
I do not recall giving permission to your company to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I will wait for you to send me the proof requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, Since I know what about The Fair Debt Collections Practices Act, I am requesting validation of the alleged debt. I am aware that there is a debt in my name but I am unaware if this is the correct amount due and your bill does not include a detailed breakdown of any fees.

Furthermore, I am allowed under the XXXX law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to protect my privacy and medical records from third parties. 
I do not recall giving permission to your company to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, of which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 
I will wait for you to send me the proof requested.

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 2025-07-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: VA

Complaint narrative:
I am filing a formal complaint against Sallie Mae for retaliatory actions taken after I submitted disputes and legal complaints regarding their unlawful servicing practices. Specifically : Sallie Mae increased my loan balance by over {$2000.00} immediately after I submitted disputes to credit bureaus and government entities regarding their violations. 

In addition, I sent a letter asking them to respond to the CFPB and be accountable for their violations. 24 hours later, they had retaliated. 

This action caused a credit score drop of XXXX points in XXXX, despite no new activity or missed payments. 

The balance change occurred without justification and in the middle of an active investigation by the CFPB and the Office of the Attorney General of Virginia. 

I had been in school from XX/XX/XXXXXXXX  to XX/XX/XXXX, yet Sallie Mae began charging me prematurely during in-school defermenta clear violation of their own contract terms. 

I made good faith payments of $ XXXX for four years while attending XXXX XXXX XXXX  but they continued to add aggressive interest. 

They also accessed and contacted unrelated third parties, including family friends and individuals not affiliated with my loan, which may constitute a violation of the FDCPA and consumer privacy laws.

After these events, Sallie Maes reporting and account adjustments have become erratic and harmful, interfering with my ability to secure employment-based transportation and attend medical appointments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX - XXXX. Since the school was caught doing misconduct I entered a class action lawsuit that had my loans discharged but I still have a loan with XXXX XXXX XXXX XXXX through Launch Servicing. Why do I still have a private loan taken on my behalf of my school?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 have recently discovered unauthorized accounts appearing on my credit report that I did not open or authorize. I am a victim of identity theft, and these fraudulent entries are negatively affecting my credit profile.

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 2025-07-08 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: NC

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

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}

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 2025-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Made a store purchase with a credit card and returned the purchase, so I don't have a balance. Then it layered {$2.00} fees on top of each other. Request to close my account with a {$4.00} balance. They said they closed the account. I have now received a statement with an {$8.00} balance of unexplained fees and uncertainty about whether the account is closed.

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 2025-07-08 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: UT

Complaint narrative:
I have verbally requested that all phone calls cease and that all communication be conducted in writing only. Despite this, Concora Credit continues to call me daily, sometimes multiple times. When I answer and reiterate my request, their representatives hang up on me mid-sentence, refusing to acknowledge my rights. 
This behavior is harassing, disrespectful, and appears to be a deliberate attempt to avoid compliance with the Fair Debt Collection Practices Act ( FDCPA ). I now feel forced to submit this complaint, as they continue to violate my request and disrupt my daily life.

Company response to consumer: Closed with explanation