vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : This letter serves as a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that XXXX XXXX XXXX immediately cease and desist all forms of communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, calls, voicemails, text messages, emails, mailed correspondence, or any third-party contact. 

Under federal law, once a consumer notifies a debt collector in writing to cease further communication, the collector is legally prohibited from contacting the consumer, except to notify them of specific legal action or that collection efforts have ceased. Continued contact after such a request constitutes a violation of the FDCPA. 

Relevant Case Law Supporting This Demand : Heintz v. Jenkins, 514 U.S. 291 ( 1995 ) Confirmed that debt collectors, including attorneys, are bound by the FDCPAs restrictions.

Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 559 U.S. 573 ( 2010 ) Reaffirmed that ignorance of the law is no defense under the FDCPA. XXXX XXXX is fully accountable for violations, regardless of intent. 


Evory v. RJM Acquisitions Funding L.L.C., 505 F.3d 769 ( 7th Cir. 2007 ) Clarified the least sophisticated consumer standard, meaning debt collectors must avoid any conduct that could mislead or coerce a consumer, especially after a cease-and-desist notice. 


Horkos v. Debt Recovery Partners , LLC, No. 15-cv-5738, 2016 WL 3342892 ( N.D. Ill. June 14, 2016 ) Held that communication following a proper cease and desist request is a per se FDCPA violation and supports recovery of statutory damages. 


Legal Notice : Any further contact from your organization, including attempts to collect or discuss the alleged debt, will be documented and treated as a direct violation of the FDCPA. I reserve the right to pursue damages of up to {$1000.00} per violation under 15 U.S.C. 1692k ( a ), as well as any actual damages, attorney fees, and court costs. 

Please confirm in writing within 15 days of receipt of this letter that you will cease all further communication and collection efforts.

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 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

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 2025-06-18 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: TN

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My bank didn't alert me to the fact that my wire transfer could be potential 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 2025-06-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I check my Equifax credit report and found that a " Dispute '' has been placed on XXXX of my credit accounts without my knowledge on XX/XX/year>. See attached Dispute reports. 

I'm not quite sure why Equifax is allowing someone to continue to remove accounts, place disputes and other irregularities on my report, but I'm very upset at the fact that a dispute is placed on an account that is in very " XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-18 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: OH

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
From a milestone cc and halsted financial are calling and texting profusely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National credit System states that I owe {$5700.00} which I dont I called around to get help and legal services help me stating that I do not owe anyone {$5700.00}.. I even called XXXX I do not owe any money and public records dont have any judgement of {$5700.00}..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
My college had sent an email saying that there was a job opportunity open. It was in my inbox and not in scam so I clicked the job opportunities since XXXX desperately looking for a job. The person had emailed me I sent my rsum. They sent a lengthy email saying that they were a student at my college and that they have just lost XXXX of their employers and that they need help donating to charities and foundations. I replied saying I would love to help out they wrote me XXXX checks. I deposited the checks they gave me the donation link and I had sent the money through bitcoin on my XXXX XXXX. They said I could XXXX XXXX  the place but then they told me to do bitcoin I did the bitcoin soon realize that it was a scam and that I wasnt going to get paid for Doing the job weekly. Id called the bank, expressing my concern and expressing my worry they told me that XXXX gon na have to pay them back the {$500.00} or potential XXXX dollars if the other check bounces back I told them I had no part of it and that I was scammed And that I was under the impression I was working for someone at my school. Id called the school and they told me that theres nothing that they can do about it and that they have no part of it and my bank gave me XXXX information and just bill me the {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Account- XXXXXXXX XXXX XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I paid annual fees for my platinum card ending XXXX ( {$690.00} ), gold card ending XXXX ( {$320.00} ), and gold business card ending XXXX ( {$370.00} ) at the end of XXXX or early XXXX, but Amex closed all these accounts within 30 days after I paid my annual fees. I request Amex fully refunds all these annual fees to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Subject : XXXX XXXX XXXX Equifax for Failure to Remove Fraudulent Information FTC Report Number : XXXX Consumer : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Complaint Summary : I am submitting this complaint to formally challenge the presence of fraudulent and inaccurate information on my Equifax credit report. This data was documented and reported through an official FTC Identity Theft Report ( Report # XXXX ), and I am now requesting the XXXX urgent assistance in having it removed. 

Despite taking proper steps to address the matter, Equifax has not yet removed or corrected the following fraudulent accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX Unauthorized Inquiry : IR MTGCRDT on XX/XX/year> Additionally, Equifax is reporting inaccurate personal data including : Incorrect Current Address : XXXX Wood XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX Incorrect Date of Birth : XXXX ( misused in an unauthorized account ) Supporting Evidence Provided : I have already submitted the following to Equifax, and am attaching them here for your review as well : FTC Identity Theft Report ( # XXXX ) Government-issued photo ID Social Security card Proof of current address ( utility bill )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has been blocking my ability to access my credit report online and preventing me from submitting disputes through their online portal. This issue has persisted for weeks, despite multiple attempts to contact their support team and request a resolution. I have several active disputes regarding inaccurate information in my credit file that remain unresolved, and now I am being denied full access to the very report I am trying to correct. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), particularly 1681g ( right to access ), 1681i ( right to dispute inaccurate information ), and 1681e ( b ) ( requirement for accuracy ). I believe this is an unfair and obstructive practice and request an investigation and enforcement action.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
# OFFICIAL CFPB COMPLAINT # # Debt Validation & Credit Repair Demand TO : Consumer Financial Protection Bureau Via : www.consumerfinance.gov/complaint RE : URGENT : 30+ Invalid Accounts Requiring Validation/Deletion Laws Violated : FDCPA 809, FCRA 1681e ( b ) /1681i, NJ XXXX I. DEMANDED ACTIONS 1. Debt Validation for all collections ( FDCPA 809 ) 2. Permanent Deletion of unverifiable accounts ( FCRA 1681i ) 3. Regulatory Sanctions against repeat violators II. DISPUTED ACCOUNTS ( SUMMARY ) | Creditor | Account # | Issue | Law | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name | Account Number | Type | Amount | Status | Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | XXXX XXXX XXXX | XXXX | Auto Loan | {$18000.00} | Charged Off | FCRA 1681i | | XXXXXXXX XXXX XXXX XXXX | Collection | {$360.00} | Collection | FDCPA 809 | | XXXX XXXX XXXX XXXX XXXX | Auto Loan | {$9800.00} | Repossession | FCRA 1681e ( b ) | | XXXX XXXX | XXXX | Credit Card | {$210.00} | Charged Off | FCRA 623 | | XXXXXXXX XXXX XXXX XXXXXXXX | Credit Card | {$360.00} | Closed | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Credit Card | {$670.00} | Charged Off | NJ XXXX | | XXXX & XXXX | XXXX | Collection | {$710.00} XXXX Collection | FDCPA 807 ( 8 ) | | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * ELECTRONIC SIGNATURE * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX INQUIRIES : XXXX  Date : XX/XX/year>XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-06-18 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advantage Collection Professionals, Inc.
State: TX

Complaint narrative:
I ordered a hoodie, pants, and matching sweater set from XXXX, XXXX in XXXX through XXXX XXXX, but I canceled the order the same business day. The cancellation was confirmed, and I never received the products. 

This week, I was contacted by a debt collector claiming I owed payment for the order despite the fact that it was canceled and never fulfilled. The collector did not initially provide written validation of the debt and only backed off once I recorded the call and requested proof. They later texted me saying the account would be closed, but no written documentation or apology was provided. 

I believe this is an improper or potentially unlawful debt collection attempt for a canceled, undelivered order, and I am concerned that others may be targeted with similar tactics and fall victim to it under pressure or worry about their credit. Im filing this complaint to report the behavior and ensure this doesnt impact my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
The debt collector is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), such as failing to provide a debt validation letter and continuing collection efforts after you've disputed the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief