vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX charged {$150.00} for a repair I did not receive. I reported a faulty installation and was charged {$150.00} repair. I disputed this and continued to pay monthly service but my service was discontinued shortly after and the payment was not acknowledged and the bogus " repair '' charge was not removed. During the months of XXXX and XX/XX/year> it was not possible to contact the company as phone lines and email were out of service (! ). In XX/XX/year> I was able to have a chat session with XXXX and at that time the company admitted I was " paid in full ''. 
Collection bureau has been harassing me since then despite the fact that I have sent documented evidence of all this two times, most recently this week. 
Credit Collection Services, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
AFFIRM INC, this company reports 21 different accounts on my credit report. this company also closed the 21 accounts on my credit report. In the history of me having credit i never opened 21 accounts with any creditor, these accounts only report to XXXX  which means it may have been suspicious activity with XXXX  and Affirm protaining to accuracy, I XXXX XXXX is demanding a terror investigation on these 21 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to dispute an item that appears twice on my credit report. 

The account was originally with XXXX XXXX XXXX and has since been placed with Jefferson Capital Systems LLC for collection. Both appear as separate derogatory accounts, which inaccurately makes it look like I have two debts. In fact, there is only XXXX account. 

Here is the information as it appears on my report : Original Creditor : XXXX XXXX XXXX Collection Agency : Jefferson Capital Systems LLC Collection Balance : {$31000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this formal feedback to reject TransUnions response as incomplete, misleading, and legally deficient under the Fair Credit Reporting Act ( FCRA ). While TransUnion claims to have taken action, their response was vague, avoided all accountability for the violations I outlined, and failed to : Acknowledge the false 1 account ever late reporting, which remains entirely unsupported by any open or closed tradeline on my report ; Provide a method of verification or documentary evidence supporting either of the dismissed bankruptcies especially when the U.S. Bankruptcy Court ( XXXX  ) has already confirmed in writing that they do not report any information to credit bureaus ; Identify which bankruptcy was deleted and which was merely updated, leaving me in the dark as to whether any harmfully inaccurate data remains ; Clarify what non-monetary relief was actually granted, and whether full compliance with FCRA 1681e ( b ), 1681k, and Metro-2 guidelines was achieved. TransUnion has violated : FCRA 1681e ( b ) by failing to maintain maximum possible accuracy of public record and account data ; FCRA 1681k by reporting adverse public record information without proper procedures for accuracy and consumer notice ; FCRA 1681i by failing to conduct a reasonable reinvestigation or provide any usable explanation of their findings ; Metro-2 Compliance by continuing to reflect 1 account ever late without any corresponding tradeline in the file, a flagrant contradiction of industry-standard reporting format. This type of lazy, opaque, and non-transparent response undermines consumer rights and CFPB enforcement integrity. I submitted clear evidence showing there was : No valid basis for the late payment designation ; No active or discharged bankruptcy ; And affirmative proof that the bankruptcy court has no communication with credit bureaus. TransUnion had the opportunity to delete both dismissed bankruptcies and correct the late account status entirely. Instead, they gave a half-answer : one deletion, one update, and no mention of the phantom late payment status. I demand this complaint be reopened and re-investigated, and that TransUnion be compelled to : Permanently delete all remaining dismissed bankruptcies ; Remove the inaccurate 1 account ever late field ; Provide written method of verification and source documentation used for their investigation ; Be evaluated for enforcement actions for willful FCRA violations. This case is not resolved. My consumer rights under federal law have not been honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I sent a payment from my mom account to my account and made a mistake and it went to my old account and I tried to recover the account and money but they have been giving me the run around and they not helping me recover any of my mom 's money or recover my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting XXXX | Account # XXXXXXXX XXXX XXXX XXXX XXXX I am formally disputing the accuracy of the above-referenced account on my credit file. After reviewing my credit reports, I found multiple errors that render this account inaccurate, incomplete, and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Specifically : The Date of Last Activity conflicts between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ), which may indicate unlawful re-aging of debt.

The ownership and comments conflict one report states purchased by another lender, while another states sold to XXXX XXXX XXXX. Both can not be true. 

The account reports a {$0.00} balance but is still listed as Collection/Chargeoff, which is contradictory and misleading. 

The payment history reporting conflicts with the charge-off designation, showing inconsistent statuses across bureaus. 

Because of these errors, this account can not be verified as accurate. I am requesting that you delete this account from my credit report immediately. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: MI

Complaint narrative:
Experian has failed to comply with FCRA 611. Despite submitting disputes through CFPB with full identifying documentation ( SSN, drivers license, proof of address ), Experian refuses to investigate. Instead, they repeatedly send me a form letter claiming my dispute was not sent directly by me, even though it was submitted through CFPBs official portal. This is the second identical refusal Ive received. By failing to investigate within 30 days, Experian has forfeited its right to continue reporting the disputed late payment, which must now be deleted under federal law. I request CFPB enforce deletion due to Experians repeated noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: VA

Complaint narrative:
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  To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Collection Accounts & Unauthorized Inquiries ________________________________________ Dear Credit Bureau Compliance Department, I am formally disputing and requesting an investigation into the following accounts and inquiries that are being reported on my consumer credit file. I have reason to believe these accounts are either inaccurate, unverified, or not in compliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Collection Accounts to Be Investigated and Removed ( if not validated ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized/Unverified Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me in writing and therefore are in violation of FCRA 604. Please remove them immediately from my report. 
Required Validation Documents To comply with the FDCPA, please provide : A copy of the original signed contract or agreement bearing my signature. 

A complete payment and charge history on the account. 

Documentation proving you are the legal assignee or owner of the debt. 

Proof that you are licensed to collect debts in the state of Virginia. 

Documentation showing your authorization to report this account to Equifax, Experian, and TransUnion. 

Cease and Desist Until you provide the above documentation, you must : Cease all collection calls, emails, and letters. 

Cease reporting or verifying this account with the credit bureaus. 

Refrain from selling, transferring, or assigning this account to another agency. 

Reporting or attempting to collect without validation constitutes a violation of the FDCPA 807, 808 and the FCRA 623. 

Notice of Intent If you fail to comply, I will file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Virginia Attorney Generals Office and pursue legal remedies available to me. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-13 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 formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$300000.00} These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Reporting XXXX | Account # XXXXXXXX XXXX XXXX XXXX XXXX I am formally disputing the accuracy of the above-referenced account on my credit file. After reviewing my credit reports, I found multiple errors that render this account inaccurate, incomplete, and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Specifically : The Date of Last Activity conflicts between bureaus ( XX/XX/XXXX vs. XX/XX/XXXX ), which may indicate unlawful re-aging of debt.

The ownership and comments conflict one report states purchased by another lender, while another states sold to XXXX XXXX XXXX. Both can not be true. 

The account reports a {$0.00} balance but is still listed as Collection/Chargeoff, which is contradictory and misleading. 

The payment history reporting conflicts with the charge-off designation, showing inconsistent statuses across bureaus. 

Because of these errors, this account can not be verified as accurate. I am requesting that you delete this account from my credit report immediately. 

Thank you for your prompt attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
XXXX DID NOT PROVIDE ME WITH A BILL TO PAY and then reported that I was 30 days late to the credit bureaus. I opened this card more than 20 years ago and have never had a late payment. 
I never carry a balance on this card and I pay the balance in full every time I receive a bill. 
I NEVER received a bill from XXXX via mail or email for a statement period that ended on XX/XX/XXXX- they state that my billing preference was changed to email, but I did not do that and HAVE NO RECORD OF AN EMAIL BILL EVER RECEIVED FROM THEM IN XXXX OR XXXX. 
I received a bill via mail for a statement period ending XX/XX/XXXX however, I was out of town and received the bill late on XX/XX/XXXX. I paid the bill in full on XX/XX/XXXX- the date I received it. I paid more than due leaving me with an OVERPAYMENT. 
- while they were reporting me 30 days past due I tried to call XXXX to resolve this and they refused to remove this from my credit- negatively impacting my XXXX score which was XXXX and reducing it to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Global Lending Services LLC
State: TX

Complaint narrative:
Global Lending Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Direct Dispute of Repossession Account # XXXX To Whom It May Concern, I am writing to dispute the accuracy of the information you are furnishing to XXXX XXXX XXXX XXXX  regarding the above-referenced account. This dispute is being made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ) and applicable XXXX law . 

Your records show that this account was repossessed. This reporting is inaccurate and incomplete for the following reasons : Repossession occurred before delinquency The vehicle was repossessed even though I was not delinquent under the terms of the loan agreement. Under XXXX  XXXX XXXX XXXX XXXX XXXX, a secured party may take possession of collateral only after default. If no delinquency existed, the repossession was improper and unlawful. 

Required validation Please provide the following documentation to validate the accuracy of your reporting : The exact date of repossession ; The date repossession fees were added to the account ; The date the account first became delinquent under the contract ; A copy of the notice of default and right to cure sent to me before repossession, as required under XXXX  XXXX ; A copy of any notice of sale or disposition of the vehicle ( XXXX  XXXX XXXX XXXX XXXX XXXX require secured creditors to send proper notification ). 

Violation of XXXX XXXX XXXX XXXX XXXX This chapter regulates motor vehicle retail installment sales in XXXX. Repossession prior to delinquency is inconsistent with your obligations under this law and may constitute an unlawful collection practice. 

Duty to correct under the FCRA If you can not fully substantiate the accuracy of the repossession reporting with the above documentation, you are required under 15 U.S.C. 1681s-2 ( a ) ( 2 ) to promptly notify XXXX  and all other consumer reporting agencies to which you reported this account, and request deletion or correction.

Request for Action : Please conduct a full investigation into the accuracy of this account. 
If you can not produce the requested documentation proving repossession occurred after a valid default and in compliance with XXXX  law, you must immediately request deletion of the repossession from all consumer reporting agencies. 
Provide me with written confirmation of the outcome of your investigation within the 30-day time period allowed. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: OH

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The last payment is inaccurate, Ive tried multiple times to dispute. They keep changing last payment date and the date when my loan went into collections. This is what I wrote them The reported last payment date of XX/XX/XXXX is inaccurate. My last payment was XX/XX/XXXX. Please correct this reporting under FCRA 609/611.

At first it was the changing of the collection date they never fixed it they told my theyve verified the information which is not true because how can something fabricated be verified & sent proof of when the loan actually when into collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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