vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX 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 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I submitted a {$750.00} money order via a co op atm XX/XX/scrub>, 2025. The minimum {$220.00} funds were made available the same day. The remaining was made available shortly after. XX/XX/year>2025 I submitted another money order via the same co op atm for XXXX XXXX Its been 1 week and a few days and the funds not even partial were made available. They are choosing which transactions to approve slowly taking away from the current balance without allowing any of the funds to be used in the available balance. My available balance is {$1.00} the current balance is {$790.00}. I am a small business. This same bank did not approve me for a business loan and is now holding MY money without cause and choosing which transactions to approve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion 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 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX Date : XX/XX/year>

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion 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 Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX Date : XX/XX/year>

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have checked my credit profile, and found inaccurate and unauthorized accounts/information reporting to my credit profile. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I hereby request that you provide full validation and verification of this debt. Please provide the following documentation : A complete accounting of the alleged debt, including the original principal, interest, fees, and any other charges.

The name and address of the original creditor.

A copy of the original contract or agreement bearing my signature.

All assignments showing the transfer of this debt from the original creditor to Jefferson Capital LLC.

Proof that the debt was securitized by the original creditor.

All assignments of the debt into and out of any secured trust, and back to the original creditor ( if applicable ).

A statement explaining your permissible purpose under the Fair Credit Reporting Act ( FCRA ) for accessing or reporting on my credit file.

Until you have fully validated this debt, you must cease and desist from all collection activities, including calls, letters, emails, or any attempts to collect payment. Furthermore : Do not review or report anything to my credit file regarding this debt while it remains in dispute. If you have already reported it, you must mark it as disputed by consumer per the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 3 ).

If you transfer or sell this debt to another collector, you are required to inform them of my dispute.

Failure to comply with these requests may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. I will also consider seeking legal advice if necessary.

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
I previously lived in XXXX, Ohio, where XXXX XXXX was my utility provider. When I moved from XXXX to Maryland, XXXX XXXX failed to disconnect the electricity service from my name, and the apartment continued to use electricity under my account. As a result, I was wrongly charged for usage that occurred after I had vacated the property. 

Additionally, when I initially moved into that apartment, the opposite issue occurred : the electricity was not put in my name right away. Because of this delay, I ended up paying more than I should have, as the usage was not correctly billed to my account during that time. 

These two issuesbeing charged for electricity after moving out and being overcharged due to a delayed account setupare the main problems Ive experienced with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a statement from Truis, I have never ordered or applied for a card from them.

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 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received my first notice of any alleged debt : a text reading This message is from The CBE Group, a debt collector. Contact us at XXXX or XXXX. Reply STOP to stop txts. 

No prior bills, letters, or calls from either XXXX XXXX or CBE had ever been sent to my current address, email, or phone. 

Why the debt is disputed The underlying XXXX account was supposed to be closed in XX/XX/XXXX when a court order required my ex-spouse to obtain her own service. Instead, XXXX merely cancelled my personal line and left the account open in my name ( and Social Security number ) but at the former marital residence, which I vacated in XX/XX/XXXX. XXXX later created a brand-new account for my ex-spouse in XX/XX/XXXX, issued her new numbers, and left a balance of roughly {$1.00} XXXXall tied to me even though I had no active lines, no devices, and no access to the account after XXXX. The devices and service in question were solely in her possession. 

Collectors conduct On XX/XX/XXXX I called CBE to request the federally required validation notice. The agent : Admitted CBE had no documentation to send and told me to call XXXX corporate. 

Refused to proceed while I used a speakerphone/bluetooth hearing-aid device ( my ADA accommodation as a XXXX veteran ). 

Refused to speak with my authorized proxy who assists me with verbal-processing XXXX ( also an ADA accommodation ). 

Ended the call when I asked for a supervisor. 
CBE has since continued collection calls without providing any validation notice as required by 15 U.S.C. 1692g ( a ) - ( b ) and 12 C.F.R. 1006.34. 

Actions I have taken XX/XX/XXXX : Sent CBE a certified Debt Validation / Cease Collection letter to its XXXX IA PO Box and to its Compliance street address. 

XX/XX/XXXX : Filed disputes with XXXX XXXX, and XXXX 

Logged all calls and saved the text message. 

Why I am filing this complaint CBE is demanding payment without ever providing the mandatory validation, has refused reasonable ADA accommodations, and directs me back to XXXX instead of complying with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that 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 Address : XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized Accounts/information, and late payments reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), and not in compliance with XXXX XXXX reporting standards. 

here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ), and not in compliance with XXXX XXXX reporting standards. 

here are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing a collection account reported by [ XXXX XXXX XXXX ], which I never opened or authorized. I have never had any dealings with the original creditor, and this account was created without my knowledge or consent.

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: SC

Complaint narrative:
On XX/XX/scrub> 2025 I checked my XXXX  credit report.I noticed a collection account that was put on my credit report. The name of the company is : CAPIO PARTNERS LLC XXXX, TX XXXX ( XXXX ) XXXX This company did not mail me a letter to notifying me of the debt owed. This a violation of the debt collection practices act 15 U.S. Code 1692g. 

I have attached pictures of my Experian credit report show the date opened with was XXXX XXXX,2025. CAPIO PARTNERS did not contact me 5 day after purchasing this account from the orignal credit. 

Once again XXXX  HAS PUT AN ACCOUNT ON MY CREDIT REPORT WITHOUT NOTIFING ME. Which is another violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: IL

Complaint narrative:
b'Subject: Inaccurate Credit Reporting of Student Loan Accounts by XXXX  I am filing this complaint to report inaccurate and harmful credit reporting related to my private and/or federal student loans. Two loans, originally serviced by XXXX, with CLUID numbers: XXXX XXXX were marked as defaulted on XXXX XXXX XXXX. However, on XXXX XXXX XXXX, both loans were successfully consolidated and brought out of default, and they are now listed as paid in full. As of this filing, the Department of Education, MOHELA (my current loan servicer), and XXXX  (the guarantor) have all confirmed that my student loan accounts are either current or in in-school deferment, as I am enrolled in a XXXX  XXXX. Despite this, XXXX  continues to report derogatory remarks referencing two defaulted student loans. I believe these entries are inaccurate and tied to the aforementioned CLUIDs. This false reporting has damaged my credit and may interfere with future financial opportunities. I respectfully request that the CFPB investigate this matter and work with XXXX  to ensure the immediate correction or removal of the erroneous negative entries. This is a time-sensitive issue that is causing real harm to my financial standing. I am already in the process of reviewing this matter with legal counsel and am prepared to pursue all available remedies under the Fair Credit Reporting Act if this issue is not resolved promptly and in full.'

Company response to consumer: Closed with explanation