vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
Specific XXXX XXXX Format Violations : Conflicting Pay Status on Closed/Collection Account The account is listed as Pay Status : >Collection< yet also appears under a format that implies ongoing obligation despite being placed in collections. This creates conflicting data. Violation : XXXX XXXX Field XXXX7 ( Account Status ) & Field 17A ( Payment Rating ) No Disclosure of Debt Sale or Chain of Assignment There is no indication of whether this debt was purchased, assigned, or still owned by the original creditor ( XXXX ). This violates XXXX XXXX requirements and FCRA 609 ( a ) ( 1 ). Violation : XXXX XXXX Field 18 ( Special Comment Code 88 or 93 ) Violation : XXXX XXXX Field 11 ( Creditor Classification Code ) Address on File Is Not Associated With Me The business address listed by Consumer Adj Co is not an address I have ever resided at or used in any financial agreement. Violation : XXXX XXXX Field 5 ( Address ), Field 69 ( City, State, ZIP ) FCRA 607 ( b ) : Reasonable procedures must be followed to ensure maximum possible accuracy Reporting Past Due on a Collection Account Reporting a Past Due amount of {$1100.00} on a collection account is not appropriate because the account has already been charged off and sent to a collection status. This misrepresents the current nature of the obligation. Violation : XXXX XXXX Field 22 ( Past Due Amount ) FCRA 623 ( a ) ( 1 ) ( A ) prohibition of inaccurate or misleading data Dispute Mark ( XB or equivalent ) Present Without Resolution The file is marked Account information disputed by consumer ( FCRA ) but no resolution or correction has been made. This violates reinvestigation requirements. Violation : XXXX XXXX Field 112 ( Compliance Condition Code = XB ) FCRA 611 ( a ) ( 1 ) ( A ) : Requires reinvestigation within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXXXXXX XXXX XXXX {$5800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$710.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$450.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
According to 15 U.S.C 1681 section 602 A. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report contacting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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. I don't have a purchase agreement with you. I have not given you a written consent to document or save my information in your database system. Please provide me the purchase agreement between me and your company. Also, please provide me the letter I wrote to your company to furnish, store, input, obtain, etc. my personal information for your companys database. If you do not have one, IT IS AGAINST THE LAW! 




Documents requested : 1. Purchase agreement 2. Chain of Assignment 3. Forward Flow Agreement 4. Assignment Contract Accounts Disputed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please provide my signed letter from the third-party company or companies who your company or affiliates, and representatives use to validate my information for your investigation ( s ), database, furnishing, inputting, storing, or for sharing to buy or sell without my permission. Please provide an updated copy of my credit report.

Please remove my information immediately and do not report personal or inaccurate information to the credit bureaus. Your company has violated my privacy, and I will sue your company for breaking the law. Please provide me an updated credit report reflecting the accounts and inquiries removed. 


This letter will be kept for possible court evidence if noted accounts are not removed and information provided by LAW.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Creditor : XXXX Bank Account Number : XXXX Creditor : Achieve Personal Loans Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX I, XXXX XXXX XXXX, am formally disputing the continued reporting of the above-referenced charge-off account on my consumer report. These accounts was previously disputed and returned as 'verified ' without any provision of the original signed agreement or other admissible proof of liability. 
Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable reinvestigation of disputed information. If no original signed contract or competent evidence of liability exists, the information is unverifiable and must be deleted. Under FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ), any furnisher that receives notice of a dispute must conduct a reasonable investigation and report the results; continued reporting without documentation violates this section. Under FCRA 609 ( 15 U.S.C.

1681g ), I have a right to full disclosure of my file and the source of the data.

Where identity-theft indicators exist, FCRA 605B ( 15 U.S.C. 1681c-2 ) requires the blocking of such information within 4 business days of receiving appropriate proof. Given the prior failure to properly verify this tradeline and the ongoing harm, I demand deletion with the same urgency. 
Demand : Permanently delete this account from my consumer reports with Experian and TransUnion within 4 business days and provide written confirmation of deletion. If you can not provide admissible proof of liability and full chain-of-custody documentation, you must cease reporting immediately. 
Failure to comply will result in complaints to the CFPB and the State Attorney General and consideration of legal remedies

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 2025-08-05 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: CA

Complaint narrative:
I am filing this dispute because I have reviewed my credit report and found inaccurate and misleading information being reported by one or more furnishers. Specifically, the following accounts are showing late payments, charge-offs, or derogatory statuses that I guarantee are incorrect : XXXX XXXX  : Reporting charge-off with a balance of {$9600.00} XXXX XXXX XXXX : Reporting multiple delinquencies including a XXXX past due status XXXX  XXXX : Reporting XXXX delinquency XXXX XXXXXXXX : Reporting a 30-day delinquency I have attempted to resolve this directly with the credit bureaus but have not received satisfactory resolution. These accounts are negatively affecting my creditworthiness. I respectfully request that the CFPB ensure a full investigation is conducted under the Fair Credit Reporting Act and that any unverifiable or inaccurate information be permanently removed from my credit file.

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 2025-08-05 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : DPT ED/XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX ( Credit Card XXXX ) To whom it may concern, You are reporting that the XXXX XXXXXXXX credit card ( XXXX ) had {$330.00} written off despite it being marked Paid and Closed as of XXXX XXXX. This is inconsistent and inaccurate, as no outstanding balance remains. 

Please delete the written off remark or remove the entire account if it can not be verified accurately.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX ( Credit Card XXXX ) To whom it may concern, You are reporting that the XXXX  XXXX credit card ( XXXX ) had {$330.00} written off despite it being marked Paid and Closed as of XXXX XXXX. This is inconsistent and inaccurate, as no outstanding balance remains. 

Please delete the written off remark or remove the entire account if it can not be verified accurately.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Contacted Synchrony bank, the card issuer, on XXXX and after multiple calls and being transferred to a closed department and disconnected I was told this was due to a third partys actions. I explained again that I did not agree to any such service and hay it was not disclosed to me ; the two charges simply showed up on my account statement. One for {$39.00} on XX/XX/2025 and a second for {$37.00} on XX/XX/2025. Synchrony said they could not correct or refund the charges and did not even agree to discontinue them. I closed my account becisei of this on XXXX. I told them that I would be disputing the charges and filing this complaint if this were not resolved. I was unable to dispute the charges with the bank.

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 monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Community Bank has called me up to 2 times a day for a week plus at a time. Then the calls may stop for a few days, but they start calling again incessantly from a different number. It's the same prerecorded message and I have to call the number back just to find out who the call is from. I have several cards with them : XXXX. XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have requested all items be removed from my credit report immediately under USC 1666B subsection a regarding late payments 15 USC 1601 regarding charged off accounts 15 USC 1692C regarding 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 2025-08-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
CFPB Complaint Cover Statement Subject : Identity Theft Failure to Remove Fraudulent Accounts and Inaccurate Information I am filing this complaint because I am a victim of identity theft, and both the credit reporting agencies and furnishers have failed to remove multiple fraudulent accounts and personal information from my credit reports, despite repeated disputes and formal notices. 

I did not authorize or open the following accounts, which were fraudulently created using my personal information : XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXXXXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX {$6900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2000.00} XXXX  {$3900.00} and {$2000.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$8000.00} XXXX {$830.00} I have submitted an FTC Identity Theft Report, a copy of my government-issued ID, and proof of address to all three credit bureaus : XXXX XXXX, and TransUnion. I have also contacted the creditors and collectors multiple times in writing, by phone, and online. Despite these efforts, the accounts remain on my reports, and inaccurate personal data ( including name variations, SSN variations, and addresses ) continues to appear.

This is a direct violation of the Fair Credit Reporting Act ( FCRA ), including Sections 1681e ( b ), 1681i, and 1681c-2, which require consumer reporting agencies to maintain accurate files, investigate disputes, and block fraudulent information after receiving an identity theft report. 

I am requesting the CFPBs assistance in compelling the bureaus and furnishers to : Permanently delete these fraudulent accounts Block the accounts from reappearing Remove all incorrect personal information Provide written confirmation of these corrections within 30 days Thank you for your time and attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX has added negative remarked regarding late payment status. This account was paid in full on XX/XX/year> with a XXXX balance

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 2025-08-05 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:
After I submitted multiple disputes with supporting identity theft documentation, TransUnion blocked me from accessing my online portal for nearly a month. During this time, I could not see my prior disputes, upload evidence, or view my credit report. When my access was restored, I discovered that my dispute history and related notifications had been deleted from both the website and the app. 
I also received a vague email from TransUnion stating that my dispute was either completed or canceled at my request. I never requested any cancellation, and this wording is inconsistent with other dispute closure emails I have received from TransUnion. Additionally, I received a blank email after a representative promised all fraudulent accounts would be deleted, which is suspicious and leaves no paper trail. 

Violations & Harm : Willful Interference with Dispute Rights ( 15 U.S.C. 1681i ) by blocking portal access. 
Tampering with Dispute Records and removing notifications that are part of my legal evidence. 
Failure to Provide Required Dispute Results in Writing as mandated by the FCRA. 
Misleading & Ambiguous Communications that create confusion about dispute outcomes.

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 2025-08-05 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: MD

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account 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 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 explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I have recently reviewed a copy of my credit report and noticed that there are multiple accounts that I did not open up or authorize anyone to open up on my behalf. These accounts are hurting my ability to obtain credit. Company or Organization : XXXX account Number : XXXX Date fraud began : XXXX, XXXX, XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1000.00} Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XXXX XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$360.00} Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$240.00}

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