vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am demanding the following information be corrected. I have sent you certified mail regarding the incorrect information several months back and it still has not been corrected, nor have I received a response from your company on the 30 days allowed by federal law. Please correct the following : Inquiries I didn't not make : CONSUMERs CREDIT UNION have no business or permission to pull my credit 2 years after a discharged bankruptcy, nor do they have a permissible purpose. Delete the unauthorized inquiry. 

XXXX and XXXX was not made by me, delete the unauthorized inquiry XXXX Inquiries made on both XXXX XXXX XXXX  was not made by me. Delete the unauthorized inquiry. 

Correct your typo to my address : The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please delete the typo u currently have and fix the address to report correctly. 

XXXX XXXX XXXX is an address that I have NEVER lived at. Delete it immediately. 

My current employer is XXXX XXXX. Please update this to reflect correct employer. 

I previously notified you regarding multiple credit cards and loans/lines of credit with XXXX and XXXX XXXX! While I understand you have 30 days by federal law,, I have noticed a few updates made that does not address my issue. I am demanding due to multiple false information being previously deleted and re-inserted that the accounts with XXXX and XXXX be deleted. Pursuant to federal law if there are misleading or false reporting, the accounts shall be deleted.

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
they didn't provide a hard copy validation of my signature agreeing to pay them. They didn't provide the forward flow agreement, nor did they provide me with the chain of assignments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NC

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

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 2025-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
In XX/XX/year>, I made a purchase of {$18.00} using my XXXX XXXX credit card. I already had a previous balance of around {$30.00}. I tried several times to access my account and make a payment online and in-store, but XXXX XXXX  system was not working. I was unable to log in or complete a payment. I also tried to contact them and received no effective help. 

Because of this, my balance grew to over {$260.00} in fees and interest. XXXX XXXX  responded that these charges are valid because they are in the credit agreement, but they ignored the fact that their system failure prevented me from paying on time. It is their responsibility to ensure that customers can pay through the methods they promote. 

I am requesting that the late fees and interest be reduced or waived, and that I be allowed to settle this account fairly. I was actively trying to pay, and I should not be punished for technical issues on the company 's side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AR

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) cac financial balance {$1900.00}, DEPTEDXXXX  BALANCE {$4100.00}, DEPTEDXXXX {$7300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) cac financial balance {$1900.00}, DEPTEDXXXX  BALANCE {$4100.00}, DEPTEDXXXX {$7300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
I am disputing a collection account reported by National Credit System for {$2400.00}, originally from XXXX XXXX XXXX. 

I first became aware of this account when I reviewed my XXXX credit report. The account shows a collection status with a past-due balance of {$2400.00}, with the original debt dated back to XXXX XXXX The last reported payment date is listed as XXXX XXXX XXXX, and the status was last updated in XXXX XXXX. The report notes that I disagreed with a previous FCRA dispute, but the debt remains. 

I do not recognize or acknowledge this debt as valid and was not given sufficient documentation validating it. I previously disputed this item with the credit bureau, but no proper validation or documentation was provided showing I legally owe this debt. I have not received a detailed breakdown or lease documentation that confirms the legitimacy or accuracy of this amount. 

Furthermore, I have not had any recent communications from the company with proof of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ). The reporting of this unresolved debt is harming my credit and preventing me from securing housing. 

I am requesting that this debt be fully validated, including a signed lease, a ledger of charges, and a breakdown of how the amount was calculated. If the debt can not be validated, I respectfully request its removal from all credit reporting agencies as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
To Whom It May Concern : This letter is a formal demand pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that Portfolio Recovery Associates , LLC immediately cease all communication with me in relation to the alleged debt referenced above.

Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the collector must not contact the consumer again except to inform them that collection efforts are being terminated or that specific legal remedies are being pursued.

Supporting Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Affirms that all debt collectors, including attorneys, are bound by the FDCPAs communication restrictions. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Holds that debt collectors can not escape liability by claiming ignorance of the law ; the FDCPA imposes strict liability for violations. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Clarifies that courts use the least sophisticated consumer standard, which prohibits deceptive or harassing conduct in all communications. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) Confirmed that debt collectors who ignore cease and desist demands can be held liable for statutory and actual damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ) Reaffirmed that voicemails and indirect messages can violate the FDCPA when used after a consumer requests no contact. 

Legal Notice : If Portfolio Recovery Associates , LLC fails to honor this request, you will be in violation of federal law and I will pursue all legal remedies available, including statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1692k ( a ), as well as attorney 's fees and court costs.

I request written confirmation within 15 days that you have received and are complying with this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Nelnet, Inc.
State: FL

Complaint narrative:
I discovered that was opened in my name without my authorization. I did not apply for this account, and I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : This letter constitutes a formal demand pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that XXXX XXXX XXXX immediately cease and desist all communication with me regarding the above-referenced alleged debt. 

This demand covers all forms of communication, including but not limited to phone calls, voicemails, emails, texts, mailed correspondence, or third-party contact. Any further communicationexcept as specifically permitted by federal lawwill be considered a violation of my rights under the FDCPA. 

Legal Authority & Case Law Support 15 U.S.C. 1692c ( c ) Upon written request from a consumer, a debt collector must cease all communication, except to notify the consumer of one of two things : that collection efforts are ending, or that the collector intends to take a specific legal action. 


XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Clarified that all debt collectors, including attorneys, are subject to the FDCPAs communication restrictions. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Held that debt collectors are strictly liable for violations of the FDCPA, regardless of intent or legal misunderstanding. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Reiterated that collectors must avoid practices that could confuse or mislead the least sophisticated consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ) Found that voicemails attempting to collect a debt, even indirectly, can violate the FDCPA following a cease-and-desist request. 


XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Held that ignoring a proper cease and desist notice may result in the collector being liable for statutory and actual damages. 



Legal Consequences of Noncompliance Should XXXX XXXX XXXX continue to contact me after receipt of this letterexcept for the narrow reasons allowed under 15 U.S.C. 1692c ( c ) you will be in direct violation of federal law. I will not hesitate to exercise my right to pursue : Statutory damages up to {$1000.00} per violation Actual damages for any emotional distress or harassment Attorneys fees and court costs as permitted under 15 U.S.C. 1692k. 


Please provide written confirmation within 15 calendar days that all communication has ceased and that you will comply with this demand.

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 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
Do not recall dates on multiple occasions I have sent money via Zelle and on one particular occasion I sent it to the wrong party and could not get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I have XXXX credit inquiry on my credit report XXXX from XXXX and the other from XXXX XXXX, I did not apply nor give anyone permission to apply to these companies.

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed inquiries to be deleted. Please delete these following inquiries. 
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

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Debt Dispute : Portfolio Recovery Associates - No Agreement Ever Made I am writing to dispute a debt appearing on my credit report from Portfolio Recovery Associates. I want to be absolutely clear : I have never entered into any agreement, contract, or financial arrangement with Portfolio Recovery Associates, nor have I ever authorized them to collect any debt on my behalf. 

Upon discovering this item on my credit report, I requested validation of the alleged debt, specifically asking for the original contract or agreement bearing my signature. To date, Portfolio Recovery Associates has not provided any such documentation to substantiate their claim, which further supports my assertion that no agreement ever existed between us. 

This unsubstantiated debt remains on my credit report, negatively impacting my financial standing. Since I have no contract or agreement with Portfolio Recovery Associates, I am not liable for this alleged debt, and I demand that they immediately remove this item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: NY

Complaint narrative:
This random company named unifin which has no proof or reason had added delinquencies to my credit report with any due diligence. They call me before XXXX. I have told them multiple times to supply me with proof of these debts and they have not but continue to harass me. Ive told their managers to not contact me if they have no paperwork to prove their claims and they have not but they continue to intimidate me with calls, text, emails, etc. all forms of communication that I did. It ever provide to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 writing to dispute the late payment ( s ) reported on my account XXXX XXXX ( XXXX ). Under the Fair Credit Billing Act, specifically 15 U.S.C. 1666, I am exercising my right to dispute a billing error, as I believe the reported late payment ( s ) is inaccurate.

I am requesting that you investigate this matter and correct or remove the inaccurate information from my credit report. Please provide documentation supporting the validity of the reported late payment ( s ), including billing statements and payment records.

Under federal law, you are required to investigate my dispute and respond within 30 days. If the information can not be verified, it must be removed.

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-06-19 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 formally disputing inaccurate information on my credit report under the Fair Credit Reporting Act, 15 U.S.C. 1681. The following account ( s ) do not belong to me and/or contain incorrect information : ACCOUNTS XXXX XXXX  XXXX * * * * INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the law, you are required to investigate and remove any unverifiable or inaccurate data from my credit file. I request that you provide written confirmation of the results of your investigation within the required 30-day period.

If you are unable to verify the accuracy of this account, it must be removed immediately as required by federal 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 non-monetary relief