vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
My credit file has been compromised as a result of a data breach, causing fraudulent accounts to be listed. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand these accounts be blocked and removed within 4 days : 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 XXXX XXXX : XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
On XX/XX/year>2024, I was contacted twice by Sequium Asset Solutions , LLC regarding a {$37.00} debt they claim I owe to XXXX XXXX once at XXXX XXXX  while I was in class, and again at XXXX XXXX. These calls disrupted my education and caused unnecessary XXXX. 

I immediately contacted XXXX XXXX and spoke with 34 agents. I have recordings of two conversations confirming : I do not owe any money to XXXX XXXX  One agent specifically confirmed that Sequium is not part of their debt collection process I was also told that XXXX XXXX is taking action by mailing letters, calling Sequium, and sending internal communications to correct this. They acknowledged this may have been sent to a third-party collector by mistake. 

I contacted Sequium multiple times and formally disputed the debt. I requested written validation and asked them to stop contacting me. Instead, I was told ( and have a recording of this ) that they can only validate or dispute, not both, which is a violation of my rights under FDCPA 15 U.S. Code 1692g.

I am a full-time pharmacy student, and I also work full time, which makes this repeated contact even more disruptive. The stress and time wasted on an invalid debt is seriously interfering with my education, work, and mental focus. 

I have made every effort to resolve this and provided clear, accurate documentation. I am requesting that Sequium immediately stop all collection attempts, provide written debt validation, remove any credit reporting, and cease contact unless proper documentation is provided. Continued contact without validation will be treated as a further violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-05 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: NY

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX  BALANCE {$0.00}, XXXX  XXXX  BALANCE BALANCE {$16000.00}, XXXX XXXX BALANCE {$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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
This scammer pretended to be interested in my laptop whichbi put up for sale for {$40.00}. He said he sent me {$40.00} trough Zelle but it was held due to my zelle not being a business account. So he said he will send another {$460.00} and make it {$500.00} so once the payment was made I need to send back {$460.00} to him to complete the transaction. I knew from the beginning that this was a scam and took him for a ride. I got his real Zelle account number and name. Its XXXX XXXX XXXX XXXX. But he sends text from a different number ( XXXX ) XXXX. I've got scam emails from XXXX. please let me know if you'd need more details. I have screenshots of the conversation as well. Please bring these people to justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
To Whom It May Concern : I am writing to formally dispute a collection account that is currently being reported on my Equifax credit report but has already been removed from both my XXXX  and XXXX  credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NE

Complaint narrative:
They closed my account with no warning. My account had about XXXX dollars in savings. The company is chime bank. Called customer service provider and basically told me theres absolutely nothing they can do so I cant get money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: NV

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
Subject : Request for Debt Validation under 15 U.S.C. 1692g ( b ) Dear XXXX XXXX XXXX, XXXX I am writing in response to a [ letter/phone call ] received from your office regarding an alleged debt you claim I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

Please note that I am not acknowledging or accepting any liability for this debt. I am requesting that you provide the following documentation to validate the debt you claim : The name and address of the original creditor A full itemization of the alleged debt, including interest, fees, payments, and principal balance A copy of the original signed contract or promissory note bearing my signature Proof that you are legally authorized to collect this debt in my state Proof of the chain of assignment or ownership if the debt was purchased or transferred Until you provide all of the above, you must cease all collection activity, including reporting to credit bureaus. Reporting unverified debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Be advised : failure to properly validate this debt or continued reporting/collection activity may result in legal action and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my state attorney general.

Please respond within 30 days of receipt of this letter.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Subject : Request for Debt Validation under 15 U.S.C. 1692g ( b ) Dear XXXX XXXX XXXX, XXXX I am writing in response to a [ letter/phone call ] received from your office regarding an alleged debt you claim I owe. This letter is being sent pursuant to my rights under th

e Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. Please note that I am not acknowledging or accepting any liability for this debt. I am requesting that you provide the following documentation to validate the debt you claim : The name and address of the original creditor A full itemization of the alleged debt, including interest, fees, payments, and principal balance A copy of the original signed contract or promissory note bearing my signature Proof that you are legally authorized to collect this debt in my state Proof of the chain of assignment or ownership if the debt was purchased or transferred Until you provide all of the above, you must cease all collection activity, including reporting to credit bureaus. Reporting unverified debt violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Be advised : failure to properly validate this debt or continued reporting/collection activity may result in legal action and a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my state attorney general. Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX, AL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  AL XXXX 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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have tried to work with this company as this debt is not mine, they do not have my name correct and can not verify any other information. I have informed this this is not mine and they are still attempting collection this could be a number of my relitives as we all share the same name although I am XXXX and they are not

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Claim ID XXXX bank of america On XX/XX/year>, the XXXX XXXX XXXX company withdrew the amount of {$1300.00} from a debit card that I never provided the information to. I considered it fraud and I reported it to the bank, which they sent evidence to the bank with a contract where the information of a different debit card was clearly shown. The bank does not want to take responsibility even though I told them that I never gave authorization or the information to that merchant.

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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Debt Validation and Investigation under the Fair Credit Reporting Act Dear [ EQUIFAX ] XXXX I am writing to formally dispute an account listed on my credit report and to request a full validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the account I am disputing : Creditor Name : XXXXXXXX XXXX XXXX Account Number : Account number unknown. 
Date Opened : XX/XX/XXXX Amount : {$5700.00} I do not recognize this debt and request that you verify its accuracy and provide the following : 1. The original creditors name and address 2. Documentation showing I agreed to the debt 3. The complete payment history 4. A copy of the signed contract or agreement, if available 5. A statement of how the amount was calculated Until you have fully verified and validated this account, I request that it be marked as disputed on my credit report. 

If the account can not be verified, I ask that it be removed from my credit file in accordance with the FCRA. 

Please conduct your investigation and provide written confirmation of your findings within XXXX  days, as required by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures ( recommended ) : Copy of your drivers license or ID Proof of address ( e.g., utility bill ) Copy of credit report with disputed item highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
b"Subject: FORMAL DISPUTE - FCRA & FDCPA VIOLATIONS, CF PB ENFORCEMENT FAILURE, DEMAND FOR IMMEDIATE DELETION\nI am submitting this formal dispute under the FCRA, 15 U.S.C.  1681, and the FDCPA , 15 U.S.C.  1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law.\nITEMS IN DISPUTE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX        FCRA  1681s-2(a)(l)(A): Prohibits the reporting of information known to be inaccurate.\n2.        FCRA  1681s-2(b): Furnisher's duty to investigate and correct upon notice of dispute.\n3.        Internal Revenue Code  6050P: If a 1099-C has been issued, the debt has been canceled and is no     longer legally collectible.\n4.        CFPB oversight failure strengthens my legal claim.\n5.        Metro 2/E-OSCAR non-compliance.\n6.        FDCPA  1692d, 1692c, 1692g: Harassment, failure to validate, illegal communication practices.\n7.        Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt.\n8.        For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt.\nLEGAL BASIS FOR REMOVAL:\nFCRA  1681e(b): Fails the accuracy standard.\nFCRA  1681i(a): Requires original documentation for reinvestigation.\nImmediate deletion of disputed tradelines."

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 2025-06-05 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: OH

Complaint narrative:
b"Subject: FORMAL DISPUTE - FCRA & FDCPA VIOLATIONS, CF PB ENFORCEMENT FAILURE, DEMAND FOR IMMEDIATE DELETION\nI am submitting this formal dispute under the FCRA, 15 U.S.C.  1681, and the FDCPA , 15 U.S.C.  1692, regarding multiple negative tradelines listed on my consumer file. These items are inaccurate, unverifiable, duplicative, and reported in connection with unlawful debt collection practices. Continued reporting of these items in light of known legal violations exposes your agency to liability under federal law.\nITEMS IN DISPUTE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX        FCRA  1681s-2(a)(l)(A): Prohibits the reporting of information known to be inaccurate.\n2.        FCRA  1681s-2(b): Furnisher's duty to investigate and correct upon notice of dispute.\n3.        Internal Revenue Code  6050P: If a 1099-C has been issued, the debt has been canceled and is no     longer legally collectible.\n4.        CFPB oversight failure strengthens my legal claim.\n5.        Metro 2/E-OSCAR non-compliance.\n6.        FDCPA  1692d, 1692c, 1692g: Harassment, failure to validate, illegal communication practices.\n7.        Has the account have been charged off and a 1099-C form issued or if the creditor reported these accounts as business losses for tax deduction purposes, they must be deleted under IRS regulations and FCRA due to the cancellation or non-ownership of the debt.\n8.        For any accounts currently being reported by third-party debt collectors, I demand a copy of the assignment contract or bill of sale proving lawful authority to collect and report this debt.\nLEGAL BASIS FOR REMOVAL:\nFCRA  1681e(b): Fails the accuracy standard.\nFCRA  1681i(a): Requires original documentation for reinvestigation.\nImmediate deletion of disputed tradelines."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief