vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/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 explanation
Consumer complaint received 2025-08-01 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: NV

Complaint narrative:
TransUnion does not want to correct the error on my credit report and XXXX has already signed that the account is correct and that it is not 30 days late as TransUnion is reporting. I ask you to help me with this. I will give you all the evidence I have. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am reporting unauthorized charges on my American Express account and requesting a full investigation into how my personal and financial data was accessed and used possibly through internal misuse by someone at American Express or a connected merchant or processor. 

American Express first flagged a suspicious charge, which I confirmed as fraudulent. After logging into my account, I found additional unauthorized purchases that had not been flagged. I immediately contacted AmEx to report them. My card was not lost or stolen it remained in my possession at all times, and I did not authorize anyone else to use it. 

I requested that the card be canceled and a replacement issued. While AmEx ultimately reversed the charges, the process required numerous calls and delays, and I was left frustrated by the lack of transparency and coordination. 

More troubling is that I received shipment notifications to my personal email address the same email linked to my AmEx account showing that the fraudulent purchases were being shipped to a real physical address in another state. Specifically : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States This address is not mine, nor do I have any connection to it. It is a modified version of my actual billing address, likely used to pass fraud checks while rerouting the goods. The use of my correct email, full name, and partial address, along with the fact that I received live shipment updates, strongly suggests that my account information was pulled directly not guessed or skimmed. 

This does not appear to be ordinary external fraud. It shows signs of insider access or collusion, especially given my long-standing relationship with some of the retailers involved. It raises serious questions about whether an AmEx employee or merchant-side actor had access to and misused my data.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
This follow up complaint serves as my fourth formal communication concerning the presence of unauthorized or unverified items appearing on my credit report. I am again asserting my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits access to a consumers credit file to entities with a legally permissible purpose.

Despite my previous requests, the following items remain on my credit report and have not been validated as having been made with my consent or for a legitimate reason under the FCRA : Items to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
This follow up complaint serves as my fourth formal communication concerning the presence of unauthorized or unverified items appearing on my credit report. I am again asserting my rights under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), which strictly limits access to a consumers credit file to entities with a legally permissible purpose.

Despite my previous requests, the following items remain on my credit report and have not been validated as having been made with my consent or for a legitimate reason under the FCRA : Items to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER 15 U.S.C. 1692g Account Number : XXXX Balance Reported : {$3100.00} To Whom It May Concern : This letter serves as a formal dispute and request for debt validation regarding the above-referenced collection account currently being reported and/or collected by LVNV Funding LLC. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am demanding full legal validation before any further collection activity or credit reporting continues. 

As required by law, please provide the following : A copy of the original signed contract or agreement creating the alleged obligation. 
A complete itemized breakdown of the amount claimed including original balance, interest, fees, payments, and adjustments. 
A full flow sheet or account history showing how the balance of {$3100.00} was calculated. 
Proof of legal assignment or ownership, including a complete chain of title from the original creditor to LVNV Funding. 
A copy of your state license to collect in Illinois. 
The name and credentials of the person who verified this debt for credit reporting purposes. 
Be advised : A bill, invoice, or summary statement is NOT proper validation under 15 U.S.C. 1692g. Any attempt to satisfy this request with such documents will be noted as non-compliance and a violation of the FDCPA.

Until full and proper documentation is provided, you are required to cease all collection activity and credit bureau reporting. Continued reporting to XXXX XXXX XXXX XXXX without legal validation is a violation of FCRA 1681s-2 ( b ) and the FDCPA. 

If you can not validate this account, I demand it be immediately removed from all consumer credit reports. 

If you fail to comply, I will pursue the following : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report with the Federal Trade Commission ( FTC ) A complaint to the Illinois Attorney Generals Office Legal action for violations of the FDCPA and FCRA You have 30 days from the date of receipt of this letter to comply. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Corp Solutions Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER 15 U.S.C. 1692g Account Numbers : XXXX {$260.00} XXXX {$800.00} To Whom It May Concern : This letter serves as a formal dispute and demand for full legal validation of the above-referenced accounts allegedly assigned to your agency, Credit Corp Solutions Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I demand that you provide proper validation before any further collection attempts or credit reporting continue. 

You are required by law to provide the following documentation for each account : A copy of the original signed contract or agreement alleged to create the obligation. 
A full itemized breakdown of how the balances of {$260.00} and {$800.00} were calculated, including all interest, fees, payments, and charges. 
A complete account flow sheet or history from account inception to date. 
Documentation proving your legal authority to collect, including the chain of assignment from the original creditor to Credit Corp Solutions.

A copy of your collection license for the State of Illinois.

The name and title of the person who verified the account ( s ) for credit reporting purposes.

Do not attempt to satisfy this request by sending a generic bill, invoice, or statement. These are not valid forms of legal validation under 15 U.S.C. 1692g and will be documented as failure to comply.

Until full and proper validation is provided, you are required to cease all collection activity and remove any reporting from all consumer credit bureaus. Continuing to report or collect without valid documentation is a violation of FDCPA and FCRA 1681s-2 ( b ).

Failure to comply within 30 days will result in the following : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) A report filed with the Federal Trade Commission ( FTC ) A complaint to the Illinois Attorney Generals Office Potential civil litigation under the FDCPA and FCRA for damages If you can not fully validate these accounts, they must be immediately deleted from all credit reporting agencies, including XXXX XXXX XXXX XXXX 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Professionals, Inc. (Macomb, IL)
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Professionals Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE & DEMAND FOR VALIDATION UNDER 15 U.S.C. 1692g Account Number : XXXX Balance Reported : {$330.00} To Whom It May Concern : This letter serves as a formal dispute and demand for full validation of the alleged debt referenced above, which you have reported and are attempting to collect. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting that you immediately cease all collection activity and reporting until you provide proper and complete legal validation.

You are required to provide the following : A copy of the original signed agreement or contract bearing my signature. 
A complete and itemized statement of the account including all charges, fees, payments, and adjustments. 
A full account history and flow sheet showing the calculation of the {$330.00} balance. 
Proof of assignment or legal transfer of the debt, including all documentation verifying your right to collect on behalf of the original creditor. 
A copy of your collection license for the State of Illinois. 
The name and title of the individual who verified this account for reporting purposes. 
Be advised : a bill, statement, or invoice is not sufficient validation under 15 U.S.C. 1692g, and will be treated as a failure to comply. 
Until you comply with this request in full, you are legally prohibited from attempting to collect on or report this account to any credit reporting agencies. Any continued reporting to XXXX XXXX XXXX XXXX without proper validation constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ) and the FDCPA.

If you fail to validate this account as required, I demand that it be immediately deleted from all consumer credit reports.

Failure to comply will result in : A complaint to the Consumer Financial Protection Bureau ( CFPB ) Notification to the Federal Trade Commission ( FTC ) Contact with the Illinois Attorney Generals Office Potential legal action under the FDCPA and FCRA You have 30 days from receipt of this letter to respond and comply. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation