vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Al XXXXXXXX XXXX XXXX XXXX XXXX : {$720.00} Account Number XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the immediate removal of any and all collection activity related to my account, as specified in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c. It has come to my attention that there have been violations of this statute, and I am exercising my rights under this federal law to seek resolution. As per 15 U.S.C. 1692c, there are specific restrictions on how and when debt collectors can communicate with consumers. Specifically, it prohibits communication at any unusual time or place, or a time or place known or which should be known to be inconvenient to the consumer. Additionally, it prohibits communication if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address. In my case, I have experienced [ detail the nature of the communication violations, such as inappropriate timing, harassment, failure to cease communication upon request, etc. ]. These actions are in clear violation of my rights under the FDCPA. Given these circumstances, I hereby request the following : 1. Immediate cessation of all communication with me regarding this account, as stipulated in 15 U.S.C. 1692c ( c ), except as expressly allowed by law. 2. The prompt removal of this account from any credit reporting agencies, as the collection activity associated with this account is in direct violation of federal law. 3. Written confirmation that my requests have been complied with and that this account has been removed from collections. Please be advised that if these demands are not met, I am prepared to take further action to enforce my rights under the FDCPA, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing legal action. I trust that you will give this matter the prompt attention it deserves to resolve it amicably and in compliance with federal law. I look forward to your immediate response. Thank you for your prompt attention to this matter. Sincerely, 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 2025-11-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Correspondence/Dispute Department RE : FORMAL DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENTS Account : XXXX | Balance : {$1100.00} | Opened : XX/XX/XXXX To Whom It May Concern, I am filing a formal dispute and demand for immediate reinvestigation and deletion/correction of the derogatory late payment reporting associated with the above-referenced XXXX XXXX credit card account. You are currently reporting two late payments ( 30-day and 60-day ) which are inaccurate, unverifiable, and legally disputable under federal law.

I am invoking my rights under the following statutes which you are bound to comply with : Federal Law Codes Being Asserted 15 USC 1666b Timely posting of payments & crediting obligations 15 USC 1681A Legal definition of consumer report & reporting accuracy standards 15 USC 6802 Prohibits unauthorized use/dissemination of personal financial data 15 USC 1681i Right to dispute & demand reinvestigation of inaccurate information 15 USC 1681s-2 ( a ) Furnisher duty to report only accurate and verified information 15 USC 1681i ( a ) ( 6 ) Mandatory written results of reinvestigation within 30 days The payment history you are reporting reflects : Late Mark Month Status 30-Day Late XX/XX/XXXX 60-Day Late XX/XX/XXXX This information is inaccurate, incomplete, and violates federal accuracy requirements. If you can not provide original timestamped payment records verifying these delinquencies in full detailincluding processing date, posting time, acceptance timestamp, and transmission logsthen the reporting of these late payments is unlawful. 

You are hereby ordered to take XXXX of the following actions within 30 days : Conduct a full reinvestigation under 15 USC 1681i.

Remove both late payments if verification can not be proven in full.

Provide written reinvestigation results as mandated by 15 USC 1681i ( a ) ( 6 ).

Correct or delete inaccurate data or be held liable under 15 USC 1681s-2 ( a ).

If payment posting or processing delays contributed to misreporting, you are in violation of 15 USC 1666b and must correct your reporting immediately.

Any unauthorized sharing of my financial profile falls under violation of 15 USC 6802and I will pursue remedy for unlawful data handling.

Failure to comply is a direct violation of federal statute. If this account is not corrected or the late payments are not removed, I will escalate by filing formal complaints with : CFPB FTC ATTORNEY GENERAL and initiate civil action for statutory damages. 

You have 30 days to respond. 
If you can not prove accuracythe law is clearYOU MUST DELETE.

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 2025-11-30 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Correspondence/Dispute Department RE : FORMAL DEMAND FOR REMOVAL OF INACCURATE LATE PAYMENTS Account : XXXX | Balance : {$1100.00} | Opened : XX/XX/XXXX To Whom It May Concern, I am filing a formal dispute and demand for immediate reinvestigation and deletion/correction of the derogatory late payment reporting associated with the above-referenced XXXX XXXX credit card account. You are currently reporting two late payments ( 30-day and 60-day ) which are inaccurate, unverifiable, and legally disputable under federal law.

I am invoking my rights under the following statutes which you are bound to comply with : Federal Law Codes Being Asserted 15 USC 1666b Timely posting of payments & crediting obligations 15 USC 1681A Legal definition of consumer report & reporting accuracy standards 15 USC 6802 Prohibits unauthorized use/dissemination of personal financial data 15 USC 1681i Right to dispute & demand reinvestigation of inaccurate information 15 USC 1681s-2 ( a ) Furnisher duty to report only accurate and verified information 15 USC 1681i ( a ) ( 6 ) Mandatory written results of reinvestigation within 30 days The payment history you are reporting reflects : Late Mark Month Status 30-Day Late XX/XX/XXXX 60-Day Late XX/XX/XXXX This information is inaccurate, incomplete, and violates federal accuracy requirements. If you can not provide original timestamped payment records verifying these delinquencies in full detailincluding processing date, posting time, acceptance timestamp, and transmission logsthen the reporting of these late payments is unlawful. 

You are hereby ordered to take XXXX of the following actions within 30 days : Conduct a full reinvestigation under 15 USC 1681i.

Remove both late payments if verification can not be proven in full.

Provide written reinvestigation results as mandated by 15 USC 1681i ( a ) ( 6 ).

Correct or delete inaccurate data or be held liable under 15 USC 1681s-2 ( a ).

If payment posting or processing delays contributed to misreporting, you are in violation of 15 USC 1666b and must correct your reporting immediately.

Any unauthorized sharing of my financial profile falls under violation of 15 USC 6802and I will pursue remedy for unlawful data handling.

Failure to comply is a direct violation of federal statute. If this account is not corrected or the late payments are not removed, I will escalate by filing formal complaints with : CFPB FTC ATTORNEY GENERAL and initiate civil action for statutory damages. 

You have 30 days to respond. 
If you can not prove accuracythe law is clearYOU MUST DELETE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the accuracy, completeness, and legal compliance of the XXXX XXXX XXXX XXXXXXXX XXXX ) collection account being furnished by XXXX XXXX XXXX ( XXXX ) and reported to TransUnion. The account is reporting an alleged balance of {$1600.00}, opened XX/XX/year>, and marked as Charge-Off/Collection as of XX/XX/year>. 

My complaint is based on violations of the Fair Debt Collection Practices Act ( FDCPA ), including 809 ( a ) and ( b ), and the Fair Credit Reporting Act ( FCRA ), including 602, 607 ( b ), 611, and 623 ( a ) ( 1 ) ( A ), due to the companys failure to provide legally required documentation before reporting or collecting the debt.

I never received a final bill, an itemized breakdown, a notice of delinquency, or any service-address confirmation from XXXX prior to this balance being transferred to XXXX XXXX XXXX No right-to-cure notice, no billing statements, no DOFD ( Date of First Delinquency ), and no documentation establishing that I was the responsible party for the alleged charges were provided at any time. 

XXXX XXXX has not provided any statutory validation as required under FDCPA 809 ( a ). They have also continued collection and reporting activities without providing verification, which is prohibited by FDCPA 809 ( b ).

The information furnished to TransUnion appears incomplete and unverified. There is no evidence of : a signed service agreement, a full billing ledger, service address proof, itemized charges, payment history, final account statement, DOFD documentation as required under FCRA 623, or evidence that XXXX issued billing or delinquency notices before collections. 

Because neither XXXX nor XXXX XXXX has provided the documentation necessary to support the alleged debt, the reported information appears inaccurate, unverified, and potentially unlawful under both federal acts. 

I am submitting this complaint so the CFPB can require XXXX and XXXX XXXX to produce all legally required documents or correct/remove any information that can not be substantiated.

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 2025-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a dispute regarding a collection account reported by XXXX XXXX XXXX in the amount of {$460.00}. This alleged debt was sold to them by XXXX XXXX. I did not open or authorize any account with XXXX XXXX. The bill and services were created in my name as a result of identity theft. I am requesting that this fraudulent collection account be investigated and removed from my credit reports. This account has 4 days to be removed under law off my credit reports due to being Fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MS

Complaint narrative:
I had an issue with someone using my credit card for fraudulent activity. They used fake banking info to pay off the balance on the card multiple times and it caused my card to be overcharged and cause the Discover company to close my card. I reached out to Discover between XX/XX/XXXX and XX/XX/XXXX to see what could be done for my account but they did not provide me with clear instructions on how to move forward. I currently been making all my payments on time but it is becoming increasingly difficult to maintain these payments. I currently dont have job that will help me keep making these payments on time. I just receive money here and there that I have saved to make these payments so that my credit card score doesnt drop but its looking like I am almost at that point. The account was closed XXXX XXXX. I submitted a dispute XX/XX/year>. I also submitted a dispute XX/XX/year>. These were both denied. I am XXXX XXXX XXXX and I do not understand everything concerning credit. I just want to make this account right and maintain my credit score. I was doing very well before now I have had this card for 3 years, no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC System placed an account on my credit file even though I never entered into any type of agreement with them. I never signed a contract with this collector. I never gave them permission to receive, store, or use my personal information. I had no communication with this company before they reported anything about me and there is no evidence that I selected them to handle anything on my behalf.

I am not asking for a bill or a statement. I am asking for proof that I personally authorized IC System to have access to my identity. Under 15 U S C 1681e subsection b, anything placed on my file must be backed by procedures that ensure accuracy. Allowing a company that I never signed with to report my information is not accurate.

Under 15 U S C 1681b, any company accessing or using my personal information must have a permissible purpose. IC System does not have my consent and therefore does not have a legal basis for obtaining or using my information in any way. Under 15 U S C 1692g, a collector must show that it has a legitimate right to act on a debt. IC System has not produced anything proving that I gave them authorization to act on my behalf. Under 15 U S C 1681i, when a consumer challenges an item, the company must supply documentation that directly supports their right to report. They have not done that.

My background situation does not change the fact that this company has never provided proof of a relationship between me and them. They continue to recycle generic responses about a balance. That is not what I requested. I am requesting proof of a signed agreement that connects me to IC System and proof that I approved them to obtain and report my information. They have not given anything that contains my signature.

I did not choose IC System. I did not sign anything with IC System. I did not authorize IC System. They have no evidence that I permitted them to insert themselves into my credit profile. This has harmed my credit and created obstacles for me both personally and financially.

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 2025-11-30 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$290.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1900.00}

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 2025-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SIMM Associates, Inc.
State: MI

Complaint narrative:
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX incorrectly billed us for an XXXX XXXX  that was never ordered, never delivered, and never authorized by anyone at our facility. 

On XX/XX/2024, I sent XXXX XXXX XXXX written dispute informing them that : No equipment was ever delivered No contract or agreement was ever signed The billing was incorrect A refund was requested They must stop invoicing the facility XXXX XXXX never responded to this dispute and continued issuing invoices. 

Despite failing to provide any validation or response, XXXX XXXX referred this invalid account to SIMM Associates, a third-party debt collector. I received a collection notice on this alleged debt for {$1400.00} ( SIMM Ref # XXXX ). 

This referral occurred after the debt was already disputed in writing, and after XXXX XXXX failed to offer any validation. 

Why this is a problem : XXXX XXXX appears to have violated federal law, including : Failing to provide debt validation upon written dispute Continuing to bill after being notified in writing that the charges were invalid Referring the matter to collections despite an unresolved dispute Attempting to collect on a debt without any contract, signature, delivery record, or proof of liability SIMM Associates is now attempting to collect on a debt that : Is not valid Has been previously disputed Has never been substantiated Relates to equipment never delivered or ordered This is causing unnecessary administrative burden and represents improper debt collection practices. 

What I want resolved : I am requesting that the CFPB require XXXX XXXX XXXX XXXX to : Immediately recall the account from SIMM Associates Cease all billing and collection attempts permanently Provide written confirmation that XXXX XXXX XXXX XXXX does not owe anything Provide a written explanation of how the erroneous billing occurred Issue a refund for any prior incorrect charges that we paid I am also requesting that SIMM Associates : Cease all collection communication XXXX the account as disputed and unvalidated Confirm that no negative credit reporting has been or will be made This is a clear case of improper billing and improper debt collection activity despite prior dispute. 

Entities involved : XXXX XXXX XXXX XXXX. 

SIMM Associates , Inc. ( debt collector ) Attachments I will upload : Copy of my original dispute letter to XXXX XXXX XXXX dated XX/XX/2024 ) Copy of the collection notice from SIMM Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX XXXX  account that appears on my credit report. XXXX  has already * * deleted this account * * following their reinvestigation dated XX/XX/2025, because the furnisher could not verify the accuracy of the information provided. Under federal law, all information that remains on my consumer report must be * * accurate, complete, and verifiable * *. Since the furnisher failed to verify this account with XXXX, it can not be verified with your bureau either. This dispute is made pursuant to the following legal provisions : * * FCRA 611 ( 15 U.S.C. 1681i ) * * Requires you to conduct a reasonable reinvestigation of any disputed information and delete or correct information that can not be verified. * * FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) * * Requires consumer reporting agencies to maintain maximum possible accuracy in credit files. * * FCRA 602 ( A ) * * Protects consumers from incomplete, inaccurate, or unverifiable credit 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 2025-11-30 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: IL

Complaint narrative:
I am formally disputing the accuracy of the following account on my credit report : Creditor Name : XXXX Account Number : N/A Account Opened : XX/XX/year> Account Status : In Collections/ Derogatory This account is reported as In Collections with 0 % of payments made on time. However, there is no record of missed payments or a last payment, making this account inaccurate and unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I demand that this account be completely removed from my credit report and not be reported again in the future. If the creditor can not provide complete and verifiable proof of the reported information, the account must be permanently deleted from my file. Please provide written confirmation that this account has been removed permanently. I have included copies of supporting documentation and identification to assist in your investigation. Thank you for your immediate 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