vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the * * reappearance of a previously deleted account * * related to XXXX XXXX XXXX XXXX XXXX  on my credit report. This account had been removed following a prior dispute, yet it has now been * * reinserted without proper investigation or notice * *, in violation of the Fair Credit Reporting Act ( FCRA ).

Under * * FCRA Section 611 ( a ) ( 5 ) ( B ) * *, if a previously deleted account is reinserted into a consumer 's file, the credit reporting agency is * * legally required to notify the consumer in writing within five ( 5 ) business days * * of the reinsertion and provide the name and contact information of the furnisher that verified the account.

To date, * * I have received no such notice or documentation * *. I consider this a serious compliance failure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc.
State: CA

Complaint narrative:
I received a response from National Credit Management dated XX/XX/year>, but the documentation provided was not adequate to validate the debt. 

The letter simply stated a balance due and offered a one-time settlement, but did not include a breakdown of charges, proof of my obligation, or any documentation showing that this agency has the legal right to collect. 

Under the Fair Debt Collection Practices Act, a collector must provide full validation upon request, including the nature and origin of the debt. Since this has not been met, I am requesting full deletion of this unverified collection account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: 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: PA

Complaint narrative:
I have a charge-off account with XXXX XXXX XXXX  and according to the IRS website an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my most current credit report the updated statement stated that the account was charged off /in collections so therefore this account can not be reported as a charge off on my report. Please send the 1099- C form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a charge-off account with XXXX XXXX XXXX  and according to the IRS website an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099-C ( Cancellation of Debt ) from the following charged off accounts listed here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checking my most current credit report the updated statement stated that the account was charged off /in collections so therefore this account can not be reported as a charge off on my report. Please send the 1099- C form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing in response to the 'verified ' reply to my complaint filed on XX/XX/2025, via the CFPB Complaint Portal , regarding fraudulent accounts that continue to be inaccurately reported on my credit file. 

Despite my clear statement that the following accounts are being fraudulently reported, the credit reporting agency has failed to properly investigate and remove the erroneous entries : XXXX XXXX XXXX XXXX XXXX  : {$110.00} XXXXXXXX XXXX XXXX  Balance : {$14000.00} I dispute the validity of these accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to provide accurate information. Simply " verifying '' the data with the same furnisher that reported the fraudulent accountwithout any further evidence, ID validation, or fraud documentationdoes not constitute a reasonable investigation. 

I am demanding the following : Full deletion of the above-listed fraudulent accounts from my credit file. 

Copies of any and all documentation the agency or the furnishers used to " verify '' these accountsincluding the applications, and signatures associated with the origin of these accounts. 

An explanation of the steps taken during the investigation, including whom they spoke with that verified the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing in response to the 'verified ' reply to my complaint filed on XX/XX/2025, via the CFPB Complaint Portal , regarding fraudulent accounts that continue to be inaccurately reported on my credit file. 

Despite my clear statement that the following accounts are being fraudulently reported, the credit reporting agency has failed to properly investigate and remove the erroneous entries : XXXX XXXX XXXX XXXX XXXX  : {$110.00} XXXXXXXX XXXX XXXX  Balance : {$14000.00} I dispute the validity of these accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers to provide accurate information. Simply " verifying '' the data with the same furnisher that reported the fraudulent accountwithout any further evidence, ID validation, or fraud documentationdoes not constitute a reasonable investigation. 

I am demanding the following : Full deletion of the above-listed fraudulent accounts from my credit file. 

Copies of any and all documentation the agency or the furnishers used to " verify '' these accountsincluding the applications, and signatures associated with the origin of these accounts. 

An explanation of the steps taken during the investigation, including whom they spoke with that verified the accounts.

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

Complaint narrative:
To Whom It XXXX Concern, This letter is in response to your attempt to collect a debt allegedly owed by me. I am formally requesting validation of this debt as provided by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX Sec. XXXX ( b ). 

You are hereby notified of the following : I dispute the validity of this alleged debt in its entirety. 

I demand that you provide complete validation of the alleged debt, including but not limited to : The name and address of the original creditor ; The original account number ; A complete accounting of how the amount was calculated ; Proof that you have legal authorization to collect or report this debt ; A copy of the original signed contract or agreement bearing my signature. 
A copy of the purchase agreement or bill of sale that includes my name, account number, and full chain of title. 

Proof that you acquired the rights to collect this debt in full compliance with state and federal laws. 

Any and all documents used to substantiate the validity and accuracy of the debt amount and account status. 
Until this validation is provided, you must cease all collection activity and credit reporting per federal law. 

Under the FDCPA, you are also required to cease reporting this account to any credit reporting agency until proper validation is furnished. Reporting invalid or unverified information violates the Fair Credit Reporting Act ( FCRA ) and may result in legal action. 

Failure to validate the debt or continued reporting may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I also reserve the right to take private legal action for any violations of federal or state law. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting my Identity Theft Affidavit as supporting documentation for my pending identity theft dispute.

I am requesting the removal and blocking of all fraudulent accounts and inquiries under FCRA Section 605B.

Please find attached : My completed Identity Theft Affidavit A copy of my government-issued ID ( drivers license ) A copy of my proof of address ( utility bill or bank statement ) I am a victim of identity theft and these accounts were opened without my knowledge or authorization. Please process this documentation promptly and update me with confirmation of removal.

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting my Identity Theft Affidavit as supporting documentation for my pending identity theft dispute.

I am requesting the removal and blocking of all fraudulent accounts and inquiries under FCRA Section 605B.

Please find attached : My completed Identity Theft Affidavit A copy of my government-issued ID ( drivers license ) A copy of my proof of address ( utility bill or bank statement ) I am a victim of identity theft and these accounts were opened without my knowledge or authorization. Please process this documentation promptly and update me with confirmation of removal.

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of an account by XXXX XXXX ( Account # ending XXXX ) on my Experian credit report. 

Experian is reporting this account as charged-off with a {$1400.00} balance and marking it as first payment never received. However, there are significant discrepancies regarding the payment history, delinquency dates, and charge-off reporting compared to XXXX  and my records. I dispute the accuracy of the reported delinquencies, balances, and payment details. 

Additionally, Experian reports my XXXX XXXX XXXX secured card account ( ending XXXX ) as open and in good standing, while XXXX  lists this same account as closed. 

I have submitted formal disputes with supporting documentation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ).

I am requesting Experian to : Conduct a full and fair reinvestigation of both accounts.

Correct inaccurate payment history, delinquency, and account status information.

Remove unverifiable or incorrect data as required by law.

These inaccuracies are damaging my creditworthiness, causing difficulty in obtaining credit and causing financial harm. I request CFPBs assistance in ensuring Experian fulfills their obligations under the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Failure to Update Credit File After Creditor Submitted Corrections What Happened : I previously disputed inaccurate reporting for a XXXX XXXX XXXX account ( ending in XXXX XXXX XXXX XXXX XXXXXXXX ). 

XXXX completed their investigation and confirmed that my dispute was valid. On XX/XX/year>, they submitted the corrected data file to all three credit bureaus, including [ Equifax/TransUnion ] , as confirmed in their attached letter. 

However, [ Equifax/TransUnion ] has failed to update my credit report to reflect the correction. It has now been over 10 business days since they received the data. This delay is unjustified and has negatively impacted my credit score.

I am unable to submit additional documents through the existing dispute channel, and my dispute appears to be stalled or ignored. I am now requesting that the CFPB hold [ Equifax/TransUnion ] accountable and ensure they comply with the FCRA by updating 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 non-monetary relief
Consumer complaint received 2025-07-08 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: 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 9. 
XXXX XXXX Account Number : XXXX 10. 
XXXX Account Number : XXXX 11. 
XXXX Account Number : XXXX 12. 
XXXX XXXX Account Number : XXXX 13. 
XXXX Account Number : XXXX 14. 
XXXX XXXX Account Number : XXXX 15. 
XXXX XXXX Account Number : XXXX 16. 
XXXX Account Number : XXXX 17. 
XXXX  XXXX Account Number : XXXX 18. 
XXXX  XXXX Account Number : XXXX 19. 
XXXX Account Number : XXXX 20. 
XXXX Account Number : XXXX 21. 
XXXX  XXXX Account Number : XXXX 22. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 23.

XXXXXXXX XXXX Account Number : XXXX 24. 
XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: CT

Complaint narrative:
This item is still showing uo on my 3 agencies I would like this removed pls this auto loan has been paid off in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX is pursuing a debt linked to identity theft, targeting my profile and firmly denying any responsibility for the charges. Despite repeated requests to EXPERIAN, the company has failed to provide any credible proof of the debts existence, as well as the proper investigation documentation and paper trails used. This situation not only undermines the legitimacy of the claims but also emphasizes the profound impact of my identity theft report on innocent victims like me. The lack of verifiable evidence should raise serious concerns about the validity of the collection efforts and the debtor 's rights.

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