vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: MD

Complaint narrative:
I am contacting you regarding an account on my credit report that does not belong to me. After thoroughly reviewing my credit file, its clear that this account has been mistakenly associated with my identitythis is a classic case of mixed credit information, and it needs to be addressed immediately. 

Let me be very clear : this account is not mine. I did not open it, I have never used it, and I have no affiliation whatsoever with the person it actually belongs to. Somewhere along the line, my personal information has been confused or combined with someone else 's, and now their account is showing up under my name. Thats not just wrongits completely unacceptable.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint against TransUnion regarding a hard inquiry from XXXX XXXX XXXX, dated XX/XX/year>, that appears on my credit report. 

I did not apply for credit with XXXX XXXXXXXX XXXX  on or around that date, and I have never received any documentation proving that this inquiry was authorized by me. I have already filed CFPB Complaint # XXXX against XXXX ( the furnisher ). 

No party has provided a signed application, timestamped authorization, or any proof of permissible purpose as required under FCRA 604 ( a ) ( 3 ). Therefore, TransUnion is in violation of FCRA 611 ( a ) ( 5 ) by continuing to report an unverified inquiry.

I request CFPB intervention to ensure compliance with 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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: First Service Residential, Nevada, LLC
State: NV

Complaint narrative:
I am filing this complaint to demand the immediate waiver of all fees and charges imposed by Red Rock Financial Services related to my property at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Nv, XXXX. 

I never received proper notice or certified mail regarding any of these charges. At the time, I had just purchased the property and did not receive mail for several weeks due to delays in obtaining the mailbox key. I attempted to contact the association multiple times by phone, and no one responded or provided assistance. 

Despite these facts, Red Rock continued to pile on fees without a single valid attempt to confirm receipt or acknowledgment, and now they are attempting to collect on an inflated, unjustified balance. I never signed for nor was served a certified letter. There was no transparency, no itemized statement, and no opportunity to resolve any alleged issue prior to escalation. 

To be clear : I was not given the opportunity to dispute or address the charges before they were referred to collections.

I received no certified mail or written notice in compliance with state and federal requirements.

The association and Red Rock ignored my phone calls, failed to offer support, and moved straight to collection tactics.

Their actions constitute a clear violation of FDCPA, NRS 116, and basic due process. 

The balance is illegitimate, the process was unlawful, and the company has caused financial and reputational harm through their negligence and refusal to resolve this matter professionally. 

Resolution Demanded : Full waiver of all fees and charges associated with this account.

A formal written apology for the lack of notice and failure to respond to calls.

A complete accounting breakdown and confirmation that this matter is closed.

Immediate removal of any negative reporting, if applicable.

I request the CFPB investigate and hold Red Rock Financial Services accountable for its misconduct and unfair collection practices. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine.

Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with Metro 2 compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing. 
JEFFCAPSYS XXXX Date Opened XX/XX/year> Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: LA

Complaint narrative:
I am formally disputing the accuracy and validity of a derogatory item reporting under my name from the following furnisher : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Balance : {$610.00} Date of First Delinquency : XX/XX/year> This item is reported as a collection account and is both unverified and potentially obsolete in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am exercising my right to dispute the completeness and accuracy of this item. Under federal law : The burden of proof is on the reporting agency and the furnisher to verify with full documentation ( contracts, itemized billing, chain of custody ) that this debt is accurate and that they are legally entitled to report it. 

If you can not verify the account within 30 days, you must promptly delete the item from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Continued reporting of unverifiable or inaccurate information constitutes willful noncompliance and exposes your agency to civil liability under 15 U.S.C. 1681n. 


Additionally, this account appears to have been sold to a third-party debt buyer and contains missing, outdated, and incomplete information ( including the date of last activity, payment history validation, and creditor information ), which violates 15 U.S.C. 1681s-2 ( b ). 

This is a formal demand to immediately investigate, correct, or permanently delete this account from my credit file. Should you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for damages under 15 U.S.C. 1681o.

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 2025-06-30 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: LA

Complaint narrative:
I am formally disputing the accuracy and validity of a derogatory item reporting under my name from the following furnisher : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Balance : {$610.00} Date of First Delinquency : XX/XX/year> This item is reported as a collection account and is both unverified and potentially obsolete in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the FCRA, I am exercising my right to dispute the completeness and accuracy of this item. Under federal law : The burden of proof is on the reporting agency and the furnisher to verify with full documentation ( contracts, itemized billing, chain of custody ) that this debt is accurate and that they are legally entitled to report it. 

If you can not verify the account within 30 days, you must promptly delete the item from my credit file under 15 U.S.C. 1681i ( a ) ( 5 ). 

Continued reporting of unverifiable or inaccurate information constitutes willful noncompliance and exposes your agency to civil liability under 15 U.S.C. 1681n. 


Additionally, this account appears to have been sold to a third-party debt buyer and contains missing, outdated, and incomplete information ( including the date of last activity, payment history validation, and creditor information ), which violates 15 U.S.C. 1681s-2 ( b ). 

This is a formal demand to immediately investigate, correct, or permanently delete this account from my credit file. Should you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for damages under 15 U.S.C. 1681o.

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 2025-06-30 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
A {$69.00} charge by XXXX was discovered on my Target credit card. I contacted Target who advised me to contact XXXX to dispute the charge. I attempted to contact them, but could not speak with a person because I dont have an account number ; I only have the charge.

Target advised me to not pay the disputed charge and they mailed me a dispute form. We also closed that account and Target issued me a new credit card. That form was completed and returned via XXXX Mail ( I attempted to fax them the form, but their fax line was constantly busy ). I made follow-up calls wherein they claimed the form was not received, and they mailed a second form, which I completed and returned via US Mail . Meanwhile, Target added interest and penalties, increasing charges from {$69.00} to over {$200.00}. In a subsequent call to Target, they told me the advice to not pay the disputed charge was incorrect and they refused to waive the interest and charges. I paid the entire bill because I am being treated for XXXX XXXX XXXX and I can not do any more two-hour fruitless calls with Target wherein I am transferred to many different people, each time being forced to repeat my story. 

I acknowledge that XXXX charged this card previously ; however, it was my error for paying it. My previous bill included many thousands of dollars charged by numerous vendors and I failed to notice this small charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Dear CFPB, This is a formal supplement in response to Equifaxs XX/XX/XXXX, reply regarding my ongoing complaint ( XXXX XXXX. XXXX ). Equifax failed to comply with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), which mandates disclosure of the * method of verification ( MOV ) * upon written request. I specifically asked for : - The identity of the data furnisher ( s ), - The procedure used in verifying the disputed accounts, - Copies of the actual documents used in their reinvestigation. 

None of this was provided. 

Instead, I received a generic response detailing their usual dispute process, which is insufficient under federal law. Furthermore, Equifax did not specify whether they confirmed or removed any of the inaccurate tradelines, nor did they address inconsistencies between their records and those from XXXX XXXX XXXX 

I reiterate : this is my * * Final Notice * *. I am preparing legal action pro se and will be seeking punitive damages, attorney fees ( if any arise ), and penalties pursuant to FCRA 616 and 617 for negligent and willful noncompliance. 


Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, I obtained a loan from XXXX XXXX. In XX/XX/XXXX, I refinanced that loan and was given a new payment structure. However, when I attempted to make my first payment under the refinanced terms in XX/XX/XXXX, I was told I could not make a payment. I followed up and attempted to resolve the situation, but was still denied the ability to pay. 

Despite this, the account was later reported as 120 days late and is now negatively impacting my credit. This reporting is inaccurate, as I have documentation showing my attempt to pay and proof that the account was refinanced not defaulted. The company failed to honor the refinancing terms and blocked me from paying, which caused an avoidable derogatory mark.

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 2025-06-30 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: LA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MD

Complaint narrative:
I recently noticed an entry from " Aargon Agency '' on my credit report, listing a collection in the amount of {$1600.00} allegedly owed to XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ). I do not recall ever receiving a bill or notice regarding this debt, nor do I acknowledge owing this amount.

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 2025-06-30 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX XXXX  - Account Number : 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 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 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