vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
Directive for Data Accuracy and Confidentiality : I direct all credit reporting agencies and their affiliates to ensure that my credit report reflects only accurate and verified information as provided in this complaint. Any disputed or unverified data must be immediately deleted in accordance with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), which impose obligations on financial institutions to uphold data integrity and consumer privacy. 
I do not consent to the sharing, selling, or unauthorized use of my personal data beyond what is legally required for credit reporting purposes under the FCRA. The GLBA explicitly mandates financial institutions to maintain safeguards for customer data, ensuring confidentiality, accuracy, and security against unauthorized access. 
Any unauthorized retention or exploitation of my PII will be pursued as a breach of my statutory privacy rights. I demand strict compliance with this directive and require audit trails to verify adherence to legal obligations under the FCRA and GLBA. Furthermore, all non-essential PII reportings not aligned with my specified details must cease immediately. 
My XXXX XXXX XXXX XXXX is : XXXX XXXX XXXX XXXX XXXX Subject : Please investigate completely and thoroughly each and every aspect of any item I have contested your supposed reporting privilege ( s ) to and have here within challenged any and all involved parties of any derogatoriness accused against me to demonstrate incontestable evidence of the applicably certifiable compliant reporting practices, procedures, and processed of which must be of a maximum possible fairness, reasonableness, truth, accuracy, completeness, timeliness, proven cogency and relevance, and verifiability and is without data integrity injuring report deviations that are infractions of mandates, mentioned here or not! 
To Whom It might Concern : This letter formally disputes inaccurate and/or incomplete information appearing on my credit report, impacting my creditworthiness. I request immediate investigation and correction of these errors under the Fair Credit Reporting Act ( FCRA ). I have enclosed supporting documentation for your review and verification. 
Consumers have a right to dispute inaccuracies in their reports, and data reporters are legally bound to address these disputes promptly and efficiently.Have you lawfully met all reporting criteria, ensuring that your ability to classify any information as derogatory against me is fully justified, verified, and legally sound?

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 2025-08-11 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: 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 explanation
Consumer complaint received 2025-08-11 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was at work and got several hits on my credit report for inquiry and i was not aware of 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
student loans on XXXX  is incorrect and loans were not paid late. and balance is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
The investigation did not fix the errors on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : XXXX XXXX - Please verify. - I was never late on this at all - DELETE THIS NOW! 
XXXX XXXX - Please verify. - I was never late on this at all - DELETE THIS NOW! 
XXXX XXXX XXXX  - VERIFY - I was never late on this at all - DELETE THIS NOW! 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Please delete immediately. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Please delete immediately. 
XXXX - XX/XX/XXXX - This inquiry was not authorized - Please delete immediately. 

I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). 

I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping a CAREFUL record of your actions. 

Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 

SEND UPDATED CREDIT REPORT * Please remove all non-account holding inquiries over 30 days old. 

Thank you for your cooperation in this matter,

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 2025-08-11 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:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Balance : {$1700.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : 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 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/year>, my father, initiated an international wire transfer from XXXX XXXX  in XXXX to my account at Discover Bank, USA. The transfer amount was {$11000.00} USD. However, only {$11000.00} USD was credited to my account. 

Prior to the transaction, I contacted Discover Bank to understand the procedure for receiving international wire transfers and any applicable fees. The representative referred me to a webpage outlining the process : funds from the XXXX XXXX  would first be sent to XXXX XXXX  ( where Discover holds an account ), and from there, Discover would credit the funds to my account. 

During this discussion, I was specifically assured that : 1 ) Discover Bank does not charge any fees for incoming wire transfers. 
2 ) The intermediary bank would only deduct charges if currency conversion was required. 

In this case, no currency conversion was involvedthe funds were sent in USD from the XXXX XXXX. Despite this, {$45.00} was missing from the credited amount. 

When I contacted Discover Bank to clarify, I was repeatedly told that Discover received {$11000.00} from XXXX XXXX  and could not confirm whether XXXX applied any fees. No documentation or breakdown of the missing {$45.00} was provided. 

Since I followed the procedure outlined by Discover Bank and was assured there would be no deductions in such circumstances, I believe this lack of transparency constitutes misconduct and poor customer service. I am therefore filing this formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Green Square Company LLC.
State: SC

Complaint narrative:
I was contacted on the XXXX of last month by PRG XXXX saying that I owe a debt that I do not recognize as my own. He told me different payment plans I could make, etc. I informed him that I couldnt make a payment regardless of if I owed the debt, and he said that he is just trying to get this taken care of before I get taken to court. I told them that I did not recognize the debt, and requested proof that it was mine. They told me to call the original creditor. I did and they could not verify that the company is the one that owned the debt, only that it was sold. I called them back and told them this and they said they would get me the proof and email me. I immediately drafted a letter, to mail certified in the future, requesting information. I did not mail the letter yet, as I was under the assumption that I had 30 days from their initial contact, since they are attempting to collect a debt. Today, they called and left a voicemail saying that they took pictures of my truck, and could possibly take that as payment if I didnt call within XXXX hours. I called back very upset and said that I live on a XXXX XXXX, that I own, and do not want them on my property. Harassment in this manner is unwarranted and possibly illegal. I do not own the truck, it is financed, so I think this is just a harassing tactic to get me to pay. I received an email with the original contract, again, as proof that I owe PRG money. I responded to the email containing the original contract, and let them know that I am receiving contact from XXXX different companies about this and to please provide proof that they were the owner of the debt, and I would make a payment plan. In response I received an email telling me to call the original lender or XXXX, a completely different company, and for me to track down the chain of debt. Are they not required to show me proof that they own the debt, and all the while threatening legal action and the threat of taking my vehicle? This is operating in bad faith as a collections company, or a mediator for a collections company.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and credit score, preventing me from achieving financial freedom and stability.

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 2025-08-11 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:
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 informatio
n 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 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 2025-08-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Last Monday ( XX/XX/year> ), I requested a remittance of {$750.00} from my checking account to a recipient in XXXX on XX/XX/year> using XXXX, a PAYPAL account. The money left my account the following day, including for the {$4.00} fee, however the money never arrived. I called them on Wednesday ( XX/XX/year> ) and was told there was a technical problem with their partmer co. in XXXX, but assistance had been dispatched and the problem would be solved shortly. Since the money did not arrive by Friday ( XX/XX/year> ). I was told the same thing and that the money would be available later that day. That did not happen. Today, XX/XX/year>, I once again called and was told I should cancel the transaction. I hung up and was surprised to see that there was not a button to cancel the transaction anymore. I again ( for the 4th time ) called XXXX and was told they could not cancel the transaction as the money was sent already. I asked to speak to a supervisor and I have been on hold for 25+ minutes. Unacceptable! This company should not be allowed to operate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: OK

Complaint narrative:
XXXX XXXX XX/XX/year> owed XXXX XXXX collection agency American Coradius International LLC reported and mailed a collection letter. 

I do not have any amount owed through XXXX and were not using XXXX for past several years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NJ

Complaint narrative:
Complaint Statement On XX/XX/year>, I received an email stating that I owe {$1200.00} for XXXX XXXX  account. On XX/XX/XXXX, I called to dispute the debt that is not mine. 
When prompted to enter my Social Security number in the automated system, it did not recognize me. The representative then stated that the address associated with the account was in XXXX, NJ a location where I have never lived. 

I sent a Certified Mail, Return Receipt letter requesting full debt validation, including the original creditor details, account documentation, and payment history. I have not received the requested information. Instead, I received a letter from the company requesting that I provide additional verification, including an affidavit. 

I am being pursued for a debt that is not mine, and I have not received the legally required validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). This collection activity is causing undue harassment and distress.

Company response to consumer: Closed with explanation