vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 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: NY

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-09 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I would like to request that my eleven closed student loan accounts from the Dept of Ed be removed from my Equifax credit report. Please see pages 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, and 22 of the attached report. These accounts are too old to be kept on file. I have also attached my ID, my social security card, and a recent utility bill. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: MN

Complaint narrative:
Trans Union has removed an open and in good standing account that I have with XXXX XXXX. This account has been open since February 2005 25 and is currently open now this is a major credit card company that ran my credit and my name and social in order for me to be a current card holder this has been reflecting positive on my credit report for the last XXXX months with XXXX XXXX of payments on time. Why would my original complaint contact XXXX XXXX or contact credit XXXX or Trans Union or any other credit bureau and have them removed and open account that should be on my credit report as it is reflecting, trustworthiness, and credit limits and payments. I again XXXX asking that you resolve this immediately by completely adding back on my XXXX XXXX account, which cant be verified. That is open current never missed the payment on time XXXX XXXX  payments on time There is a total misunderstanding by communicating only through social media or through these services online it takes all of the human interaction out and things are confused and people are just completely miscommunicating. There are tons of communicational barriers so I would appreciate a phone call at area code XXXX. The old number on file is inaccurate so please update this to my current all three all XXXX of my current complaints

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 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data Search NY, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Kansas XXXX, Missouri XXXX XXXX Date : XX/XX/year> TO : XXXX and XXXX XXXX XXXX Corporate XXXX XXXX, XXXX XXXX, IL XXXX TRAKAmerica XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Subject : NOTICE OF DISPUTE & DEMAND TO CEASE AND DESIST UNDER 15 U.S.C. 1692c ( c ) & 15 U.S.C. 1681i To Whom It May Concern : This letter serves as formal notice that I am disputing the alleged account referenced below, which you have reported to XXXX or more consumer reporting agencies and are attempting to collect. 

Alleged Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am exercising my right to dispute the completeness and/or accuracy of this account. You are required by law to conduct a reasonable investigation and to remove or correct any inaccurate, incomplete, or unverifiable information. If you can not provide written validation and substantiating documentation of the debt, including the original contract bearing my signature, this account must be deleted from all consumer reports in which it appears.

In addition, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST from any further contact with me regarding this matter, except to confirm in writing that you will cease further collection efforts and/or to provide validation of the debt as required by law. 

Let this letter serve as a formal dispute and a demand for the following : 1 * Immediate cessation of all communication with me about the alleged debt.

2 * Cessation of any reporting or re-reporting of the account to credit bureaus until the dispute is resolved.

3 * A full investigation under 15 U.S.C. 1681i and a written explanation of your findings.

4 * A copy of any and all records you have regarding this account, including the original signed contract and the original purchase agreement, and the forward flow agreement. 

Failure to comply with these demands may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I also reserve the right to pursue legal action for violations of the FCRA and FDCPA. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
I was reviewing my credit report and notice inquires that do not belong to me.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
This complaint is related to an earlier CFPB case against Discover Bank, which is now closed. In that case, Discover claimed in its CFPB XXXX response that a XXXX XXXX XXXX XXXX judgment was obtained on XX/XX/year> regarding my account. This statement is false and unsupported. 

XXXX. No Judgment Exists I have conducted a thorough search of XXXX XXXX XXXX XXXX XXXX under every variation of my name and found no judgment for the alleged XX/XX/year> date or for any Discover Bank account. If such a judgment exists, it is Discovers burden to produce certified proof which they have failed to do. 

XXXX. Lack of Proof of Ownership / Legal Standing Discover has not produced any documentation proving they currently own this account or have the legal right to collect on it. I have specifically requested the complete chain of title, including any assignments, sales, or securitization of this account, and they have not provided it. Without proof of ownership or assignment, their continued reporting is unlawful under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ). 

XXXX. Lack of Service ( Due Process Violation ) Even if such a judgment were to appear, I was never served with any lawsuit or court papers for this account. I was home during that period and would have been aware of any attempt at service. Under XXXX  law ( XXXX XXXXXXXX ), a judgment without proper service is void. 

XXXX. Burden of Proof on Discover Under the FCRA, it is the furnishers duty to conduct a reasonable investigation and verify disputed information. Discover has failed to provide either judgment proof or ownership proof. Providing only a generic Cardmember Agreement is not verification. 

XXXX. False Statement to a Federal Agency By making this claim in the CFPB portal without evidence, Discover has provided false information in an official proceeding. This is also a false representation of the legal status of a debt under FDCPA 807 ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Subject : Request for Removal of Outdated Personal Information from Credit Report Dear Equifax/Tansunion I am writing to respectfully request the removal of outdated and duplicate personal information from my credit report. The following addresses and phone numbers no longer reflect my current contact details and are no longer valid. 
Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX And the following phone number : ( XXXX ) XXXX My accurate and current contact information is : Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX I have included a copy of my government-issued ID and a recent utility bill to verify my identity and support this request. I appreciate your attention in helping maintain the accuracy of my credit profile. 

Sincerely, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sezzle Inc.
State: TX

Complaint narrative:
My identity was stolen in XXXX, My car was broken into & my purse along with my phone that did not have a phone lock back in XXXX was taken. The perpetrator used my information multiple times to open up new accounts as in credit card, bank account, utilities and also buy now pay later apps. I have filed numerous amounts of police reports after the person opened up accounts. I have them all documented and I also sent the companies I am referring to in this argument as well. I contacted the company Sezzle by phone and email several times & would only say your account is closed you owe XXXX  amount and that it was sent to an agency. When I explained that they were falsely claiming that I owe said money and I do not have provided proff for years they basically stated that it was me & could not help. I have been trying to dispute this off of my credit since XXXX when I found this out and tried to take care of it but am having no such luck and now I am taking further measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
I am disputing the accuracy and completeness of the information reported by Sequiom Asset Solutions on my XXXX credit report regarding the above-referenced account. The reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ), rendering the account unverifiable and inaccurate. I am requesting immediate deletion of this account from my credit report.

1. Inaccurate Date Opened and On Record Until Dates The account shows a Date Opened of XX/XX/year> but is scheduled to remain on the report until XX/XX/year>. This suggests a potential re-aging of the account or incorrect reporting of dates. The FCRA mandates that collections remain on a credit report for no more than seven years from the original delinquency date. Reporting inconsistent dates violates FCRA 1681c ( c ) and 1681s-2 ( a ) ( 1 ) ( A ).

2. Missing Date of First Delinquency ( DOFD ) The account does not provide the Date of First Delinquency, which is required to verify the accuracy of the reporting under FCRA 623 ( a ) ( 5 ). Without this critical information, the accounts validity can not be confirmed.

3. Incomplete Payment History Reporting There is no detailed month-by-month payment history grid displayed. This omission constitutes incomplete reporting under the FCRA, specifically violating the requirement for furnishers to provide complete and accurate information to credit bureaus.

4. Potential Illegal Re-aging of Debt If the original creditors delinquency occurred prior to the Date Opened listed, this account may have been illegally re-aged to extend its reporting period. This practice is prohibited under FCRA 1681c ( c ) and can unfairly damage consumers credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CT

Complaint narrative:
They froze my account on XX/XX/XXXX, for the amount {$5300.00} and {$100.00} for the judgment fee by XXXX XXXX XXXX, XXXX no. XXXX, Judgment creditor XXXX XXXX XXXX, XXXX, from XXXX XXXX credit card bank that goes back to XXXX when I lived in XXXX XXXX  but now I am in another state. Now I never owned a XXXX business. I do not have any signed contracts, transactions, or affiliations with this XXXX credit card merchant bank. It is not in my wages, taxes, or XXXX, and I have proof that I can show to the court, and I have only worked for employers till the present time as a single mother and teacher assistant for preschools. Strangely, they're not even recorded in my credit score with this XXXX XXXX  or HSBC bank. This Direct Merchant credit bank no longer exists since XX/XX/XXXX and merged with another bank HSBC Bank Nevada XXXX : XXXX XXXX Credit Card Bank here is the info. and website below XXXX XXXX XXXX XXXX XXXX, AZ XXXX Established : XX/XX/XXXX FDIC Insurance : XX/XX/XXXX FDIC XXXX : # XXXX Home XXXX XXXX XXXX Credit Card Bank XXXX XXXX Credit Card Bank XXXX : Inactive as of XX/XX/XXXX Merger - Without Assistance Successor Bank : HSBC Bank Nevada XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX Established : XX/XX/XXXX FDIC Insurance : XX/XX/XXXX FDIC XXXX : # XXXX History XXXX Institution established : Original name : Direct Merchants Credit Card Bank , National Association XXXX Moved bank headquarters from XXXX XXXX XXXX, UT to XXXX, AZ XXXX Reorganized. 
XXXX Moved bank headquarters from XXXX, AZ to XXXX, AZ XXXX Merged into and subsequently operated as part of HSBC Bank Nevada , National Association ( XXXX ) in XXXX XXXX, NV XXXX Closed voluntarily and liquidated its assets. 
This is the website XXXX XXXX XXXXXXXX I called this bank HSBC Bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX, and I spoke to the bank personally. They tried my first and last name of my ex and SSN ; they could not find any existing account. And she told me other people were calling on the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: GA

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 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 may make any consumer report containing 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 seven 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.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX XXXX XXXX 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

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 2025-08-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX I got a vehicle and my partner at the time Too and I co signed. 
They both havent been paid off. One no payments since XXXX and the one I had the took and hasnt been paid since XXXX. 
Trying to get those off my credit Student loans And anything negative on my credit holding me back

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 2025-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
From XX/XX/year> to XX/XX/year>, I've been constantly trying to repay my student loans, but every time I attempt to log into MOHELA, it fails to recognize my Social Security number. I tried to make a new account, and they can't verify my account. I try to call and they give me an automated system that makes me put in my Social Security number, but all it says is that it's sorry, but it doesn't recognize it. I've tried going on the website for help, and the only solution it gives me is to call them, but when I call them, they don't ever transfer me to a human with a functioning brain, just some robot. I'm planning on returning to college, but they emailed me about this, saying that I had to do something about so I don't want this to affect my eligibility to go back and finish my degree. The website is no help, and calling them is no help, but as long as my debt stacks up right?

Company response to consumer: Untimely response