vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency challenging the accuracy and validity of multiple items on my credit report. Specifically, I disputed two addresses, two charge-off accounts, and one collection account that I believe to be inaccurate, unverifiable, or both. The disputed addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX are locations where I have never resided, conducted business, or had any legal, financial, or personal ties. I requested their removal based on the absence of any documentation connecting me to these addresses. 
In addition, I disputed two charge-off accounts : one from XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance and another from XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$250.00}. I requested that the credit reporting agency and original creditors provide documentation validating the legitimacy of these charge-off statuses, including proof of default, account history, and, if applicable, IRS Form 1099-C to confirm whether any debt was canceled or forgiven. To date, no such documentation has been provided. 
Finally, I also disputed a collection account reported by XXXX XXXX XXXX XXXX, with the original creditor listed as XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  and a reported balance of {$22000.00}. I formally requested full validation of this debt, including a breakdown of the charges, original contract, payment history, and any legal documentation authorizing the collection. As of now, I have received no substantiated evidence to verify this collection entry. 
The continued reporting of these items without proper verification raises serious concerns under FCRA 611, which requires a reasonable reinvestigation of disputed information ; FCRA 1681e ( b ), which mandates credit bureaus to maintain maximum possible accuracy of consumer data ; and FCRA 623 ( a ) ( 1 ) ( A ), which prohibits data furnishers from reporting information they know or reasonably should know to be 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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orions Management Group, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Orions Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX Re : Account # : XXXX | Balance : {$640.00} XXXX AND FINAL DEMAND FOR VALIDATION / CEASE & DESIST / NOTICE OF INTENT TO SUE To Whom It May Concern, This is my third formal demand for proper validation of the above-referenced account. Your prior responses consisting of nothing more than a bill and a certificate do not constitute lawful validation.

I specifically requested, and continue to demand : The complete chain of assignment/title proving your legal right to collect this debt.

A copy of the original signed contract/agreement bearing my signature.

A full itemized accounting showing how you calculated the balance you claim.

Proof of your license to collect in Illinois.

To date, you have failed to provide these required documents.

Be advised : Reporting this account to any credit bureau without proper validation is a willful violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ).

Continuing to pursue this account without proper evidence violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Under UCC 1-308, UCC 3-501 , and UCC 9-609/610, you are required to present the actual signed contract and lawful assignment which you have not done.

CEASE & DESIST NOTICE Effective immediately, you are ordered to CEASE AND DESIST all collection activity, phone calls, mailings, and reporting to any credit bureau regarding this account unless and until you provide the proper validation requested above.

Any continued collection attempts without providing full validation will be treated as harassment and willful violation of federal law.

You are hereby notified : If you can not produce the above documents immediately, you must DELETE this account from my credit reports with XXXX XXXX and XXXX.

Failure to comply within 15 days will result in : Formal complaints filed with the CFPB, FTC, and Illinois Attorney General.

Civil action against Orions Management for violations of the FDCPA and FCRA, including statutory and punitive damages.

This is your final opportunity to act lawfully. Either provide the full documentation I have repeatedly demanded, or remove this account permanently. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: AZ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still showing on my credit report today. Even after refreshing my browser, nothing was corrected. I need this issue resolved immediately, and I demand that the documents I provided be reviewed carefully so I can finally stop stressing about this.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : 1. XXXX  XXXX Account Number : XXXX 2. DPT ED/XXXX Account Number : XXXX 3. DPT EDXXXX Account Number : XXXX 4. DPT EDXXXX Account Number : XXXX 5. DPT EDXXXX Account Number : XXXX 6. DPT EDXXXX Account Number : XXXX 7. DPT ED/XXXX Account Number : XXXX 8. DPT EDXXXX Account Number : XXXX 9. DPT ED/XXXX Account Number : XXXX 10. DPT EDXXXX Account Number : XXXX 11. DPT ED/XXXX Account Number : XXXX 12. DPT EDXXXX Account Number : XXXX 13. DPT EDXXXX Account Number : 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 2025-09-05 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I received information that my account was being closed because they flagged my payroll check as a fraud, Every day they are asking for new paperwork.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XX/XX/year>2024 XXXX XX/XX/scrub>/2024 XXXXXXXXXXXX XXXX XXXX2024 XXXXXXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, 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 2025-09-05 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: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-05 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: DE

Complaint narrative:
Hi, I just opened new account on XXXX WISE with XXXX account and it was instantly banned, I can't contact company please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
We continue to have problems with our account. We finally got access to pay our XX/XX/XXXX bill on XX/XX/year>2025. We paid the amount due immediately. We received email receipt from UWM of recipe of payment on XXXX XXXX, stating that payment was received on XXXX XX/XX/year>2025. We have been checking our account daily since the payment was made and although we paid the bill before the due date, our account states that we owed {$1200.00} on XX/XX/year>2025. Our account also states that our payment {$3000.00} was unapplied on XXXX XX/XX/scrub> 2025 and as of XXXX XX/XX/year>2025 our payment has yet to be applied to our account. We have called UWM and no body can tell us what the {$1200.00} is for or why our payment has not been applied since XX/XX/year>2025. 
We have been asking to make principal only payments since XX/XX/scrub> 2025. This option is still unavailable on our account as of XX/XX/year>2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : Dept Of Ed/XXXX XXXX, Dept Of Ed/XXXX XXXXXXXX XXXX Dept Of Ed/XXXXXXXX XXXXXXXX XXXX Dept Of Ed/XXXX  XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional XXXX, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding a paid collection account reported by NCB Management Services that continues to appear on my credit reports with XXXX  and XXXX, despite having been removed from my XXXX  report.

The account details are as follows : Creditor NCB Management Services Original Creditor XXXX XXXX XXXX - Reported Balance {$0.00} - Account Status Paid collection, settled for less than full balance - Date Opened XX/XX/XXXX - Reported Date XX/XX/XXXX - Highest Balance {$2100.00} This account has been resolved and shows a XXXX balance. Its continued presence on XXXX  and XXXX  is inconsistent with XXXX  reporting and may negatively affect my credit profile. I believe this account should be removed from all credit bureaus to ensure accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

I respectfully request that the CFPB investigate this matter and assist in having the account removed from XXXX  and XXXX. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET XXXX. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-05 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: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-05 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: TX

Complaint narrative:
The following accounts are not only unauthorized, but they are reporting information that does not match on my credit report which has to be removed per the FDCRA. I have tried to remedy this issue with creditors and now I am demanding that these misleading and inaccurate accounts are removed from my credit report. I will list each account with reason for removal below. XXXX formerly known as XXXX XXXX  for XXXX XXXX formerly known as XXXX XXXX isn't my account and promised to delete in writing via mail on XX/XX/XXXX, attached below. However, was readded under new name XXXX XXXX, another violation of law. XXXX XXXX XXXX was paid in full and reopened, creditor agreed to delete from credit report. 
XXXX account was paid in full and creditor agreed to delete XX/XX/XXXX, attached below. XXXX XXXX XXXX XXXXXXXX - account was paid in full and creditor agreed to delete account due to inaccurate reporting, I demand these accounts be deleted immediately per violations and deletion letters attached below

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 2025-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following accounts are not only unauthorized, but they are reporting information that does not match on my credit report which has to be removed per the FDCRA. I have tried to remedy this issue with creditors and now I am demanding that these misleading and inaccurate accounts are removed from my credit report. I will list each account with reason for removal below. XXXX formerly known as XXXX XXXX  for XXXX XXXX formerly known as XXXX XXXX isn't my account and promised to delete in writing via mail on XX/XX/XXXX, attached below. However, was readded under new name XXXX XXXX, another violation of law. XXXX XXXX XXXX was paid in full and reopened, creditor agreed to delete from credit report. 
XXXX account was paid in full and creditor agreed to delete XX/XX/XXXX, attached below. XXXX XXXX XXXX XXXXXXXX - account was paid in full and creditor agreed to delete account due to inaccurate reporting, I demand these accounts be deleted immediately per violations and deletion letters attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief