vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TN

Complaint narrative:
I am formally requesting the removal of the debt collection account from my credit report. I believe this collection account was obtained and reported under circumstances that violate my rights as a consumer, specifically due to the unauthorized sale or transfer of my personal information. 

I did not give consent for my personal information to be sold or transferred to a third-party collection agency. Under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant privacy laws, consumers have the right to be informed and to consent before their sensitive data is shared or sold. If my original creditor sold or assigned my debt to a third party without proper notification or legal basis, this is a violation of both privacy and consumer protection regulations. 

Furthermore, I request full validation of the debt under Section XXXX of the FDCPA. This includes a complete chain of custody of the debt, proof that the collection agency has the legal right to collect it, and documentation showing that my information was transferred lawfully and with consent. 

Unless this debt can be fully validated and shown to have been obtained and reported legally and with proper consent, I respectfully request that this collection account be immediately removed from my credit reports with all major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: LA

Complaint narrative:
It has come to my attention my information has been exposed in several data breaches. After reviewing my credit report I have noticed accounts that are unfamiliar. I have asked the Credit Reporting agency for validations of debt however it has not been provided. Due to my information being exposed I have submitted an FTC complaint with the information I am unfamiliar with.

I have attached a copy of my identification, social security card, proof of address, and proof of data breaches exposing my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX {$50.00} each XXXX this account is closed and I make payments American XXXX XXXX XX/XX/year> {$570.00} Ive sent letters and filed disputes. They still are refusing and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Western Union regarding a missing money transfer. 

Date of Transfer : [ XXXX ] Amount : [ XXXX Usd ] XXXX  : [ XXXX ] Sender : [ XXXX XXXX, XXXX ] Recipient : [ XXXX XXXX location in XXXX ] Western Union records show that the transfer was sent to the recipients bank account in XXXX. However, the recipient has not received any funds. Her bank has provided confirmation that no deposit was made. 
When I contacted Western Union, I was only given a case number ( XXXX ) and told the investigation could take up to 40 days. This delay is unreasonable and has caused significant hardship, as my sister urgently depends on this money for essential living needs.

Requested Action : Require Western Union to provide the exact location of the funds.

Order immediate release of the money to the intended recipient or issue a full refund to me.

Investigate Western Unions handling of consumer funds and compliance with applicable laws. 
This matter involves potential negligence, breach of contract, and violation of consumer protection standards. I respectfully request urgent intervention from your office to resolve this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
RE : Feedback Case # XXXX On XX/XX/XXXX I contacted studentaid and asked for help. I explained that I had submitted a pslf buyback request ( # XXXX ) on XX/XX/XXXX and was expected to re-enter repayment soon. I do not recall exact response but i was unsatisfied. On XX/XX/XXXX I messaged through the feedback portal and inquired about the processing of buyback forms, specifically if it was first-in first-out, and if so where was I in the queue. I said if it was not first-in first-out, how can I get my request some attention? No useful information was obtained. On XX/XX/XXXX I sent another message through the feedback center asking for the case to be escalated for review to the ombudsman group. The message read : " Please escalate this complaint to the Ombudsman group for review... It has been 12 months since my XXXX month of certified employment and more than 7 months since submitting reconsideration request # XXXX. Studentaid.gov is refusing to process my buyback request ( XXXX ) ( # XXXX XX/XX/XXXX ; # XXXX XX/XX/XXXX ) and has provided XXXX transparency into processing. I was able to identify, with XXXX the AI assistant, the majority of information needed to process the buyback request. Information XXXX could not find was available on XXXX and derived from my tax returns which we know are available to studentaid.gov. At what point does this delay exceed " complexity of manual processing and backlog ''? The backlog can not be used to explain the backlog. '' I received a response the same day from studentaid costomer service indicating that they understand i am unsatisfied and want an expedited review but that is impossible. I replied to the email : " I understand studentaid 's position which is why the first line read, " Please escalate this complaint to the ombudsman group. '' I would like review of this mater to escalate to the ombudsman group. '' I added a message to the Feedback center : " Please escalate this complaint to the Ombudsman group for review ... previous request for this to be escalated was ignored. " i then included the previous message. The complaint has not been escalated to the ombudsman group for review and the feedback case has been closed.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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 2025-09-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-09-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX, 2025 XXXX unauthorized transactions were made on my XX/XX/XXXX account resulting in emptying my account balance. XXXX transactions were made for {$190.00} each and XXXX transaction for {$18.00}. I noticed the charged the next day and contactedXX/XX/XXXX immediately. They submitted dispute cases for each transaction which were denied without proper investigation the next morning. Note : I dont know the merchant who conducted these unauthorized transactions. All XXXX transactions were made at XXXXXX/XX/XXXX from XXXX, XXXX XXXX I am based in XXXXXX/XX/XXXX and was asleep when this happened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
This is my FINAL NOTICE regarding the account reported by Security Credit Services on my XXXX  file. I have disputed this account multiple times. Despite this, XXXX  continues to mark it as 'verified, ' while Security Credit Services has failed to provide any legally required documentation. 
Violations include : - FCRA 611 ( 15 U.S.C. 1681i ) : XXXX  must conduct a reasonable reinvestigation and provide a Method of Verification. Simply parroting 'verified ' without proof is unlawful. 
- FCRA 623 ( 15 U.S.C. 1681s-2 ) : Furnishers must only report accurate, complete, and verifiable information.

- FCRA 616-617 : Civil liability for willful/negligent noncompliance.

- FDCPA 809 ( 15 U.S.C. 1692g ) : Security Credit Services must validate the debt, including the original wet-ink signed contract, full chain of assignment, and complete itemized accounting. None has been provided.

- FDCPA 807 & 808 : False and unfair reporting. 
- XXXX XXXX Standards : Accounts must be coded XXXX during dispute and supported with documentation. 
Demands : 1. Immediate deletion of the Security Credit Services account from all credit reports. 
2. Written confirmation of deletion within FOUR ( 4 ) BUSINESS DAYS of receipt of this letter.

3. Compensation for damages caused by unlawful and reckless reporting practices. 
Because this account has already been disputed multiple times and verified without lawful proof, a shortened deadline is justified. Failure to resolve within 4 business days will result in immediate escalation. 
If this matter is not resolved, I will : - File complaints with the CFPB and Michigan Attorney General. 
- Pursue legal action under FCRA 616-617 and FDCPA 813, seeking statutory damages, punitive damages, attorney 's fees, and costs. 
This is your FINAL OPPORTUNITY to resolve this matter before escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: Credit Control, LLC
State: TX

Complaint narrative:
I have already filed a lawsuit against this company. I am currently waiting for them to be served and for us to go to trial, where they will be required to produce the documentation I have repeatedly requested. Since they clearly do not want to provide it voluntarily, I will obtain it through the court process. I attached a photo of a stamped petition proving that my case has really been filed inXX/XX/XXXXcourt!

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