vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: AR

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau, but I never received a response from them. These accounts must be validated by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX * * * * * * * * Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX * * * Balance : {$360.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX * * * * Balance : {$1000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX * * * * * * * Balance : {$1800.00} XXXX  XXXX Original Creditor : XXXX XXXX  XXXX XXXX A XXXX * * * * * * * * * * Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-02 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$980.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
I am making this statement to Remove all fraudulent items listed on FTC report I want these items deleted immediately!! also remove XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CT

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/year> To : [ XXXX RE : Formal Dispute of Account Reporting Request for Validation and Verification Account Number : [ Insert Account Number or Collection Agency Reference Number ] Dear Experian/Equifax, I am writing to formally dispute the accuracy and validity of an account being reported on my credit report by [ Debt Collector Name ]. I request an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the FCRA, I have a right to verify and validate any alleged debt. The collector currently reporting this account has failed to provide proper documentation that proves : 1. They have a valid assignment contract from the original creditor, proving legal authority and ownership of the debt.

2. They have a permissible purpose to access and report information to my credit file under 15 U.S.C. 1681b.

To that end, I am requesting that your agency : Provide me with a copy of the assignment contract between the original creditor and the collection agency, clearly showing that the debt was legally transferred or assigned. 
Show evidence of the collection agencys permissible purpose to report this alleged debt to your bureau.

If this information can not be verified within 30 days as required by the FCRA, I request that the account be immediately deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Please confirm receipt of this dispute and notify me of the results of your investigation within the time allowed by law. 

Accounts are below. 




Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the following derogatory accounts being reported to the credit bureaus ( XXXX XXXX XXXX XXXX  ). These accounts are inaccurate and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Requires reasonable reinvestigation of disputed items. 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy of credit reporting. 15 U.S.C. 1681c Governs the reporting of outdated or unverifiable information. FCRA Section 605B Entitles identity theft victims to block fraudulent items. I am disputing the following accounts : XXXX. XXXX, XXXX {$64.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$350.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$390.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$570.00} Opened XX/XX/XXXX These debts are either : Not mine, Result from identity theft ( as my personal data was exposed in multiple data breaches ), or Have been sold or transferred without proper documentation or contract validation. I have filed an FTC Identity Theft Report, which documents my identity being compromised. Under Section 609 ( a ) ( 1 ) of the FCRA, I am requesting full validation of each of these accounts, including original signed contracts, billing history, and proof of ownership. If such evidence can not be provided, these items must be removed immediately under Section 611 ( a ) ( 5 ). These companies have likely acquired this information through unlawful or unverifiable means, and continued reporting constitutes a violation of my consumer rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TekCollect Inc.
State: NC

Complaint narrative:
I am writing to formally dispute the following derogatory accounts being reported to the credit bureaus ( Experian, Equifax, and TransUnion ). These accounts are inaccurate and should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Requires reasonable reinvestigation of disputed items. 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy of credit reporting. 15 U.S.C. 1681c Governs the reporting of outdated or unverifiable information. FCRA Section 605B Entitles identity theft victims to block fraudulent items. I am disputing the following accounts : XXXX. XXXX, XXXX {$64.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$220.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$350.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$390.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$560.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$570.00} Opened XX/XX/XXXX These debts are either : Not mine, Result from identity theft ( as my personal data was exposed in multiple data breaches ), or Have been sold or transferred without proper documentation or contract validation. I have filed an FTC Identity Theft Report, which documents my identity being compromised. Under Section 609 ( a ) ( 1 ) of the FCRA, I am requesting full validation of each of these accounts, including original signed contracts, billing history, and proof of ownership. If such evidence can not be provided, these items must be removed immediately under Section 611 ( a ) ( 5 ). These companies have likely acquired this information through unlawful or unverifiable means, and continued reporting constitutes a violation of my consumer rights.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: PA

Complaint narrative:
I am disputing two inaccurate late payment marks reported by XXXX ( previously XXXX XXXX ) in XXXX and XXXX. 
My Income-Driven Repayment ( IDR ) recertification forms from XXXX, XXXX, and XXXX demonstrate that I remained enrolled in an IDR plan throughout the period in question. These forms confirm my ongoing eligibility and should have ensured that I was consistently reported as current or in forbearance. Beginning in XX/XX/XXXX, my federal student loans were placed into administrative forbearance under the CARES Act, with no payments due and no interest accruing. 
Despite this, my TransUnion credit report reflects a delinquency beginning in XX/XX/XXXX, which escalated to 60- and 90-day late marks in early XXXX. From XX/XX/XXXX onward, the report lists a series of Unknown payment statuses rather than deferment or Current, even though my loans were under federally mandated forbearance and IDR protections. 
In XX/XX/XXXX, I was notified that my loans were again placed into forbearance due to a federal court ruling. I received official letters from XXXX in XX/XX/XXXX and XX/XX/XXXX confirming that recertification was deferred until at least XX/XX/XXXX or XXXX. Nonetheless, a new derogatory mark appeared during this period, which should not have occurred while under active forbearance. 
I disputed both issues with all three credit bureaus. However, rather than correcting the errors, TransUnion downgraded my payment history by replacing previous Current statuses with late or Unknown designations. These retroactive changes negatively impacted my credit score, as shown in the attached XXXX XXXX screenshots. 
Neither XXXX nor XXXX report these Unknown statuses, indicating that XXXX reporting is inconsistent and likely incorrect. I have attached full credit reports from all three bureaus for comparison. 
I submitted a formal dispute to XXXX XXXX through their Customer Care Form on XX/XX/XXXX, but have not received any resolution. 
I am requesting that the Consumer Financial Protection Bureau assist in having these inaccurate late payment and Unknown marks permanently removed from all credit reports. 
I have attached supporting documentation, including IDR applications, official servicer letters, screenshots from my loan dashboard, and the relevant credit reports.

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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
According to FCRA section 605b, law 15, usc 6802b, it is illegal to report anything on my credit report without my permission.

Please remove this negative item Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rozlin Financial Group, Inc.
State: GA

Complaint narrative:
This is a formal dispute under FCRA Section 611 ( 15 U.S. Code 1681i ). Please investigate this item. If you can not verify it with original documentation from the data furnisher, it must be deleted within 30 days. 
Is account is incorrect and need to removed from my correct 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 explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services
State: GA

Complaint narrative:
This is a formal dispute under FCRA Section 611 ( 15 U.S. Code 1681i ). Please investigate this item. If you can not verify it with original documentation from the data furnisher, it must be deleted within 30 days. 
Is account is incorrect and need to removed from my correct report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
In XX/XX/year>, I withdrew funds from my retirement account a check for {$50000.00} to pay subcontractors and cover costs for a business project. I deposited the check into my business account, expecting reasonable access to the funds. Instead, my bank placed a XXXX business day hold, they told me it was bank policy, after doing some independent research, I figured out their policy was under the Regulation CC and the Expedited Funds Availability Act. 

This delay disrupted my cash flow and delayed payments to subcontractors who rely on timely compensation. As a small business owner with limited capital reserves, Im frustrated that banks can hold large deposits money I earned for up to 10 days while they have immediate access to use those funds to generate returns. 

These outdated rules do not reflect the speed of modern banking technology, nor do they account for the burden placed on small business owners and contractors operating on tight timelines. 

Im not asking for special treatment just a fair, modern system that doesnt punish small businesses for trying to grow responsibly. 

I urge you to look into how the current rules affect real people and consider updating regulations to match todays banking capabilities.

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 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am disputing a collection account that appears on my credit report. The original debt was with XXXX XXXX and XXXX XXXX, but it was later sold or transferred to a third-party debt collector, XXXX XXXX XXXX I have not received proper verification of this debt from either XXXX or the collection agency. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the collection agency provide full documentation validating the debt, including proof of the original contract and the chain of ownership. If they can not validate this debt, it must be removed from my credit report. 

I request that the CFPB help ensure this matter is resolved properly and that my rights under the FCRA are upheld.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/year> To : [ XXXX  RE : Formal XXXX of Account Reporting Request for Validation and Verification Account Number : [ Insert Account Number or Collection Agency Reference Number ] Dear Experian/Equifax, I am writing to formally dispute the accuracy and validity of an account being reported on my credit report by [ Debt Collector Name ]. I request an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the FCRA, I have a right to verify and validate any alleged debt. The collector currently reporting this account has failed to provide proper documentation that proves : 1. They have a valid assignment contract from the original creditor, proving legal authority and ownership of the debt.

2. They have a permissible purpose to access and report information to my credit file under 15 U.S.C. 1681b.

To that end, I am requesting that your agency : Provide me with a copy of the assignment contract between the original creditor and the collection agency, clearly showing that the debt was legally transferred or assigned.

Show evidence of the collection agencys permissible purpose to report this alleged debt to your bureau.

If this information can not be verified within 30 days as required by the FCRA, I request that the account be immediately deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Please confirm receipt of this dispute and notify me of the results of your investigation within the time allowed by law. 

Accounts are below. 




Sincerely, 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 2025-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
On XX/XX/year> through XX/XX/XXXX we rented a prepaid car from XXXX XXXX and XXXXhree year laters they are trying to collect more money for the same rental and I have been contacted by email by a sketchy debt collector that Radius Global Solutions LLC. Neither XXXX nor Radius have contacted me by mail with a legitimate explanation of why they are trying to collect on a debt that I have already paid through XXXX. ( Third Party ). 
Three years later I am being contacted by this sketchy debt collector only by email and I called them once and I asked them very specifically to send me their complaint in writing, however they have yet to fulfill my request. I have records of my payment to XXXX for that Rental through XXXX yet they are still requesting more money. 
I am baffled by the lack of regards for the financial laws and regulations and they have been using scare tactics without basis and I consider harassment. 
I am considering all my legal options against XXXX and Radius for illegal Harassment.

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 2025-06-02 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$520.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) # XXXX XX/XX/XXXX -- {$390.00} XXXX XXXX ( Original Creditor : XXXX AT T XXXX ) # XXXX XX/XX/XXXX -- {$150.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation