vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
I reported the last time a cease and desist request and asked to stop communicating with the credit agency and that was completely ignored and Ive also send a email and been completely ignore I seeking for legal damages at this point of time for violating my rights after Creditor agreed to CFPB & consumer they would cease and desist all communication including reporting to Equifax, XXXX, and XXXX. Creditor is still communication after a cease and desist. Consumer is requesting information to be deleted immediately for satisfaction if not a suit will be filed for damages and consumer violation rights. Please comply with request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
I reported the last time a cease and desist request and asked to stop communicating with the credit agency and that was completely ignored and Ive also send a email and been completely ignore I seeking for legal damages at this point of time for violating my rights after Creditor agreed to CFPB & consumer they would cease and desist all communication including reporting to XXXX, XXXX, and TransUnion. Creditor is still communication after a cease and desist. Consumer is requesting information to be deleted immediately for satisfaction if not a suit will be filed for damages and consumer violation rights. Please comply with request.

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 2025-03-22 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: IL

Complaint narrative:
On XX/XX/XXXX, I contacted Trans Union and Equifax recording so fraudulent inquiries I was advised they will be removed within 5 to 7 business days. The inquiries are still as of today on the credit report. 


On XX/XX/XXXX my credit score dropped XXXX ponts for no reason. I have no late payments. I have not done any inquiries or taking out any new accounts. Upon calling Trans Union and Equifax, regarding the drop of scores customer service can not provide to me. The reason the credit dropped.

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 2025-03-22 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: TX

Complaint narrative:
After thoroughly reviewing my credit report, I found multiple inaccuracies regarding late payments reported on an account where the information does not accurately reflect my payment history. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are legally required to maintain maximum possible accuracy, and any failure to do so is a direct violation of federal law. 

The account in question, [ XXXX ], [ Account # XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

The account in question, [ XXXX XXXX ], [ XXXX ], is inaccurately reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX However, upon review, I have not been provided with any verifiable proof that these delinquencies were reported correctly or in full compliance with the FCRA. If a data furnisher is reporting negative marks to my credit file, it is their legal responsibility to ensure the information is 100 % accurate, fully validated, and not misleading in any way. 

As part of my formal dispute, I request that your agency conduct a full reinvestigation and provide proper documentation proving the validity of these reported late payments. If the information can not be fully substantiatedmeaning there is no concrete, verifiable proof meeting strict FCRA standardsthen these inaccurate late payments must be removed immediately to comply with federal consumer protection laws.

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 2025-03-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX I am writing to formally dispute inaccurate, incomplete, unverified information on my credit report. I disputed this information XX/XX/year> with TransUnion, they indicated that the VERIFIED ACCOUNTS were being sent via Mail But, I have yet to receive any Documentations pertaining to them VERIFYING THESE ACCOUNTS. Im a VICTIM OF IDENTITY THEFT MY personal information was Exposed Due to XXXX DATA BREACH. I received alerts daily about my personal information being exposed on the dark web, but yet this COMPANY continues to violate my privacy and my consumer rights by misusing my personal information. Failing to verify disputed information and misleading information is within a violation of my rights. 

-15 U.S.C section 1681i ( a ) ( 1 ) ( A ) Mandates that a credit reporting agency conducts a REASONABLE REINVESTIGATION when a consumer disputes the accuracy of any items.

-15 U.S.C. Section 1681i ( a ) ( 5 ) ( A ) Requires that any information that CAN NOT be verified must be deleted from the consumers credit report.

-15 U.S.C. Section 1681e ( b ) Requires that credit reporting agencies maintain MAXIMUM POSSIBLE ACCURACY in consumer report.

-15 U.S.C. Section 1681s-2 ( b ) Requires data furnishers to conduct a reasonable investigation once a dispute is received from a credit bureau .

Accounts Listed below are accounts thats being DISPUTED AND I HAVE YET TO RECEIVE ANY WRITTEN DOCUMENTS PERTAINING TO THE ACCURACY OF THESE ACCOUNTS. 

Account Name XXXX XXXX  Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Account Name : XXXXXXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX Account Name : XXXX Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Since TransUnion has FAILED to send me the REQUIRED DOCUMENTS IN WRITING Showing the PROPER INVESTIGATION that was conducted to verify the accuracy of these accounts that remain UNVERIFIED on my Credit Report, Im demanding IMMEDIATELY DELETION. TransUnion Continues to Violate My RIGHTS AND MY PRIVACY By REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT.

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 2025-03-22 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: NC

Complaint narrative:
I resubmitted Disputes to Experian On XX/XX/year>2025. Breaking down every inaccurate and incomplete information reporting on my credit report. After several weeks, of waiting for the situation to be handled. I was faced with results indicating that everything was reporting fine. And nothing was properly done on any of my reinvestigations with Experian. I am asking the CFPB to take a look at the documentation, I enclosed to properly investigate this situation. Experian is reporting a address that i asked many times to remove from my report. But stills reports this address i never lived at.

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 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
The company and myself discovered this was not my debt last year and it was removed from my credit report. I have no idea why it is back on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I alerted company that i was scammed out of {$4500.00} on XX/XX/XXXX. Company stated it was nothing they could do to refund said payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-22 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: VA

Complaint narrative:
Same message repeated over 5 text pages : XX/XX/XXXX - XXXX XXXX, take advantage of your repayment options for your JEFFERSON CAPITAL SYSTEMS LLC account while we have the chance to work with you. Visit XXXX XXXX XXXX XXXX XXXX  or call XXXX. This text is from XXXX XXXX, a debt collector. 

The law limits how long you can be sue XXXX d on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC XXXX XXXX report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out XX/XX/XXXX - XXXX, spend five minutes or less to review your payment options for your JEFFERSON CAPITAL SYSTEMS LLC account XXXX XXXX : XXXX Or give us a call at XXXX. This text is from XXXX XXXX, a debt collector. 

The law limits how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEMS LLC may report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out XX/XX/XXXX - XXXX XXXX, with our flexible payment options, there is no reason to delay resolving your JEFFERSON CAPITAL SYSTEMS LLC account . Check out your options at https XXXX XXXX XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. 

The law limits how long you can b XXXX XXXX sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JEFFERSON CAPITAL SYSTEM XXXX XXXX LLC may report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out XX/XX/XXXX- same messages XX/XX/XXXX- same messages XX/XX/XXXX- same messages XX/XX/XXXX, XXXX same messages XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX or call XXXX to take advantage of payment options on your outstanding balance of {$1300.00} for XXXX your JEFFERSON CAPITAL SYSTEMS LLC account . 

Pay : - {$670.00} in up to 3 monthly payments. 50 % off, that's a savings of {$670.00}! 
- Flexible payments on the To XXXX tal Balance of {$1300.00} - Payments as low as {$50.00} - One time payment of {$1300.00} This text is from XXXX XXXX, a debt collector. 

The law lim XXXX its how long you can be sued on a debt. Because of the age of your debt, JEFFERSON CAPITAL SYSTEMS LLC can not sue you for it. If you do not pay the debt, JE XXXX FFERSON CAPITAL SYSTEMS LLC may report or continue to report it to the credit reporting agencies as unpaid. Reply stop to opt-out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX claims the looked into my challenge of the fraudulent reporting done by trans world systems for a fraudulent collections. Theyre reporting to my credit report.. the item was not removed instead stated that the investigation was completed and it will remain. However, the address that the collection has claimed to be is not address that is mine. It appears to be part of many addresses on my credit report that are not mine, and I have disputed in the past with XXXX and they have not removed. 

XXXX is reporting fraudulent addresses as being mine outdated information all throughout my credit report for personal phone numbers, addresses, and contacts. Its clear that they have someone with a similar name, potentially an estranged father of mine who has the same name. Being mixed up with my personal information.. that could potentially be where Tran worlds collection should be going to my fathers report since he lived at the XXXX address however I havent seen or spoke to him since I was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: GA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.Here is the account I am asking you to verify as accurate. 
Account : 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 2025-03-22 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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: PA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
The name on my credit report is Credit Collections, the date opened is XX/XX/XXXX The amount of the debt is {$190.00} There is no other information. The account was reported on XX/XX/XXXX. There is no other information on my credit report to identify this company. 


I am filing this complaint regarding in inaccurate item on my report that continues to negatively impact my credit. I have no knowledge of this account and have not received any communication or contract from this company. I am requesting an investigation and immediate removal of this item and it is incorrect and does not reflect my true credit history. I have never had a contract or account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I received an email from Experian on XX/XX/XXXX that I I have a credit alert, when I called they said your last alert was in XXXX of XXXX  and that e-mails just get sent so you log into our company page. I dont believe that sending false alerts to get you to sign in is a good practice. How can I have any confidence in what this company is monitoring? 

I also have an open case for weeks XXXX that someone was supposed to call me back on and I never heard from anyone, I am getting excessive e-mails from Experian with no value, no one can explain what these alerts are??

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