vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: CO

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make.

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-05 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: VT

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts 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 VT 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 XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-06-05 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: VT

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts 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 VT 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 XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I wake the company to remove the collection off of my credit profile. I also asked to close the account, but they refused to do so because they believe I owe the debt. According to 15 USC 1681 b ( 2 ) your negative accounts are 100 % inaccurate because you never gave your written consent to have them reported, so now! can sue you. 15 USC 1681n is basically XXXX XXXX For XXXX XXXX. I asked this company to stop reporting & remove the account off my credit due to them not being the original creditor as well ; they said no they could not due to it being a remaining balance. 15 U.S.

Code 1692c When a debt collector keeps coming after you for debt " owed '' but you already told them to stop contacting you. Now they owe you {$1000.00} and they have to delete it from your credit report too. All because they violated Title 15 U.S. Code 1692 ( FDCPA ) As to the Fair Debt Collection Practices Act, 15 U.S.C.

Section 1692, Once your debt has been sold to a XXXX party debt collector, the creditor can no longer collect on that debt. They sold your debt to a collection agency. You don't know who they are because you never agreed to anything with them. 15 U.S.

Code 6802 No financial institution can share your non pubicks information with a third party entity. The credit XXXX bureaus are a third party entity. Debt XXXX are XXXX party entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: GA

Complaint narrative:
I took out a {$600.00} loan with Spotloan, and Ive made XXXX payments so far. The loan has a 460 % APR, which Ive recently learned is illegal in Georgia. I have already repaid more than I borrowed, yet they continue to withdraw payments and wont allow me to remove my bank account information. 

I contacted them to request a settlement or change my due date, and they refused. I then tried to stop automatic withdrawals, but theyve made it very difficult. This loan feels predatory and I am now taking steps to protect myself financially. 

I am requesting assistance to stop any further payments and to determine if this loan is legally enforceable under Georgia law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Innovate Managed Holdings, LLC
State: MS

Complaint narrative:
Contacted Innovate to send the lien title to my local country tax collector after moving to a new state, was told it would be done and I'd get an email after it was completed. That was almost 5 weeks ago and it has not been done, I have tried calling, emailing, and using their chat option online. I get transferred to a VM where I leave messages that go unanswered, or I get put on hold with a " wait time '' of less than 6 hours. As of this writing I am on hold with them an I've been holding for 1 hour and 45 minutes, meanwhile I'm incurring late fees on my tag renewal and can't get this taken care of. I filed a complaint with XXXX but they are not a member and have complaints filed in the dozens if not more. This is ridiculous and I need it resolved.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Request to Remove Outdated Personal Information from Credit Report To Whom It May Concern, I am writing to formally request the Incorrect/Outdated Names to Remove : XXXX XXXX XXXX Name ID # XXXX ) XXXX XXXX XXXX XXXX Name ID # XXXX ) XXXX XXXX XXXX Name ID # XXXX ) Outdated Addresses to Remove : XXXX XXXX XXXX XXXX XXXX  PA XXXX XXXX Address ID # XXXX ) These names and addresses are no longer accurate and should not be associated with my credit file. I am requesting that Experian remove them from my report under the Fair Credit Reporting Act ( FCRA ), which provides consumers the right to dispute and correct inaccurate or obsolete information on their credit reports. 

Please confirm once these changes have been made, and send me an updated copy of my credit report for review. 

If you require any additional documentation or verification to process this request, please contact me at the information provided above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX [ SSN Last 4 digits only : XXXX [ Date of Birth : 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 2025-06-05 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: TX

Complaint narrative:
Identity Theft Affidavit Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To XXXX XXXX Equifax XXXX & XXXX Date : XX/XX/XXXX Subject : URGENT MATTER Identity Theft Affidavit and Request for Removal of Fraudulent Information ( ID Card Attached Below ) I, XXXX XXXX, hereby declare that I am a victim of identity theft. I intend to challenge a dispute with an FTC report for the fraudulent items listed below and request their immediate removal from my credit report.

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The following violations apply : Applicable Violations : 1. 15 U.S.C. 1681 Section 602A : I have the right to privacy. 
2. 15 U.S.C. 6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : ( A ) The institution clearly discloses such intent.

( B ) The consumer has the opportunity to opt-out.

( C ) The consumer is given an explanation of how to exercise that right.

3. 15 U.S.C. 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

4. 15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse information older than seven years.

5. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 
Remove the Following Fraudulent Accounts : XXXX. XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX Legal Notice : If the above accounts can not be verified, they must be removed immediately in accordance with FCRA Sections 609 and 611. If your agencies fail to comply, I may be forced to pursue legal action, including filing a claim in small claims court, should there be no satisfactory response within 30 days of receipt of this certified letter.

Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.

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 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio reporting a balance of {$610.00} of debt that I do not owe I am Requesting Forward Flow Agreement Chain Of Assignment Purchase Agreement Insurance Claim Of Debt Your Wet Signature Agreeing To Pay According to 15 usc 1692 ( G )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MS

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove 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 XXXX Address : XXXX XXXX XXXX XXXX, XXXX 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 XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$960.00}

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 non-monetary relief
Consumer complaint received 2025-06-05 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX  {$0.00}

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 2025-06-05 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: CO

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CO

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief