vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: MI

Complaint narrative:
I am disputing the following accounts with TransUnion due to discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I respectfully request that the items be investigated for possible removal or correction.

Charged Off Accounts : BANKRUPTCY Account Number : XXXX  Date Opened : XXXXXX/XX/XXXX Balance : {$0.00} The account has been inaccurately reported as a bankruptcy. I request verification of the reporting and its accuracy. 

Inquiries : XXXX XXXX  Date : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX I dispute these inquiries as I do not recognize them, and they were made without my consent. Please remove them after proper investigation. 

Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I sent a formal Cease-and-Desist / Debt-Validation Demand to Recovery Solutions Group LLC ( RSG ) regarding an alleged Merchant Cash Advance debt claimed by XXXX XXXX XXXX XXXX against a dissolved entity, XXXX XXXX XXXX XXXX XXXX XXXX clearly informed them the entity was legally dissolved, that any rights or residual interests were assigned to a private trust, and that no further contact or asset & liability investigation was authorized without proper court order or validation. 

Despite that written notice, RSG continued contacting me and repeated phone calls. On XX/XX/year> at XXXXXXXX XXXX XXXX XXXXXXXX XXXX Department sent another email threatening to file within XXXX hours, involve the IRS and Secretary of State for a forensic audit, and dispatch a local investigator for on-site asset verificationunless I remitted {$9900.00} immediately. This message falsely suggested government action, seizure of property, and public disclosure, none of which have legal basis because no judgment or verified authority exists.

These threats constitute false and deceptive representations under FDCPA 1692e ( 4 ), ( 5 ), ( 7 ), ( 10 ), continued contact after written notice in violation of 1692c ( c ), and harassment / coercion under 1692d. The communications also amount to unfair or deceptive acts under the FTC Act 5 and the New Jersey Consumer Fraud Act N.J.S.A. 56:8-2. I am requesting that the CFPB order this company to cease all communications, delete or close the account, and provide written confirmation. Supporting documentationincluding my C
ease-and-Desist letter, dissolution proof, and the offending RSG emailsis attached as Exhibits A through A-1.

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Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: TX

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

Proof that the original creditor securitized the debt.

Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-10 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
A debt collector, Transworld Systems Inc. ( TSI ), sent a message about my alleged debt to a third party my sister who I do not live with and never authorized to receive any information regarding my accounts.

The message included my name, an account reference ( XXXX  acct XXXX ), the amount owed ( {$65.00} ), and a payment link identifying TSI as a debt collector. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( b ), which prohibits debt collectors from disclosing debt information to third parties without the consumers consent.

I am requesting that this unauthorized disclosure be investigated and that corrective action be taken to prevent future violations. I have screenshots of the messages for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I am writing to formally dispute the following accounts and inquiries that appear on my credit report. As a consumer working to improve my credit, I request that these items be thoroughly investigated, and if any inaccuracies or discrepancies are found, they be corrected or removed from my credit profile. 

CHARGED OFF Accounts : XXXX XXXX, XXXX, XX/XX/year>, {$0.00} LATE PAYMENTS : 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I requested my free annual credit reports through the official website, AnnualCreditReport.com ( XXXX XXXX XXXX ). I successfully received my report from XXXX, but I have not received reports from TransUnion or Equifax. It has been over two months, and I have not been notified of any issue or identity verification problem.

I properly completed the request for all three credit bureaus and confirmed my mailing information. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive one free credit report per year from each bureau. I am requesting assistance in obtaining my missing reports from TransUnion 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-10 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-10 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: CT

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-10 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: CT

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: OH

Complaint narrative:
I am filing this complaint because several accounts and items are being reported inaccurately by the credit bureaus. I am asking that each bureau conduct a reinvestigation under the Fair Credit Reporting Act ( FCRA ) 611 and ensure that all reported information is complete and accurate. I have tried to resolve these issues directly with the bureaus, but the information continues to appear incorrectly. 

1. Charged Off Account XXXX Account XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/year> Balance : {$1900.00} XXXX XXXX  This account is being reported as a charged-off debt, but I have not received any documentation verifying ownership, balance, or date of first delinquency. 
I believe the information may be inaccurate or incomplete. Please conduct a full reinvestigation and provide verification from the original creditor, not a third-party debt buyer. 

2. Late Payment XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.

Complaint narrative:
XX/XX/year> - Experian took a payment of XXXX from my bank account for the XXXX XXXX subscription. 

I cancelled immediately and wanted to get a refund. I could not contact them until Monday as their call centre does not work on weekends and they do not list an email as a possible way of contact for this matter. I waited until Monday and made a call. 

XX/XX/year>, XXXX XXXX- I contacted their call centre and was told that they took a payment correctly and I am not entitled to a refund.

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 2025-11-10 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I formally assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made all payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-10 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mothers XXXX unit needed to be replaced and the company she went through, XXXX XXXXXX/XX/XXXXXXXX, who then, used Service Finance company to finance the loan. XXXX was fully aware that I did not live there and that the unit would be placed using my credit. My mother is a XXXX vet she takes all kinds of meds. XX/XX/XXXXthat leave her where she cant remember things that happen. Anyway, she was told the interest rate would be at 9 % with 6 years to pay. Were currently paying {$210.00} for 15 years, XXXX is outrageous for a XXXX unit. 

I allowed My mother to use my social security number to get the XXXX unit because her credit wasnt good enough or she would be paying at the highest rate, something to this effect. Im in the Navy. I do not live with my mother but I come home as much as I can to check on her. My credit was XXXX at the time, with no blemish whatever. 

I spoke to with the company at least twice about this. The answer they give me is my mother signed the contract. They used my name XXXX social security to secure The loan however seems like they used her credit score. We are paying at the highest interest rate and years possible.

All I want is Service Finance to use my figures ( credit score, my credit history, etc ) to lower the years and interest to what was quoted to my mom.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
XXXX I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: MA

Complaint narrative:
In XXXX of this year I rented a car through XXXXXXXX XXXX XXXX XXXX XXXX 
The car that I rented had mechanical issues just hours after I picked it up. After taking it to owners preferred mechanic and getting the green light that there are no leaks and car is in good shape I ended up driving it 2 more days before getting stranded on the side of the road for hours, canceling all of my plans, missing my flight, etc. Main mechanical issue seemed to be the coolant liquid not going through even after refilling it with the mechanic in charge of this vehicle ( owners designated mechanic ). Owner initially apologized and agreed that car has not been taken care of ( text proof and verbal approval to keep driving the car ). The car had to be towed and I was not able to take multiple photos of the car when it was dropped off since it was still on the tow truck, and mechanic said that theyll take care of getting it cleaned, since I wasnt able to do that. 

Couple of days later XXXX reached out with a claim that I damaged the car and that I need to pay {$3000.00} out of pocket. There was absolutely no damage made to the car by me. 
I delivered the proof in form of texts from owner and delivered before/after photos of car. 
XXXX customer service was not helpful and the case was closed with them automatically charging my credit card without dispute getting reviewed, and my proof taken into consideration. 

Couple of months later ( XX/XX/XXXX ) I received another email from XXXX that owner of the car claimed additional damages ( total write off ) and that my debt amounting to {$32000.00} was sent to collections and that I would be charged XXXX after that email was sent. 

Its fairly obvious that the owner of the car is attempting a fraud and is trying to get rid of the car that has issues and expects me to pay for it, which is probably why he set the rental price low for the car as a bait. 
The biggest issue here is that XXXX as an agency does not have any incentive to review this case fairly and have totally ignored my proof and case in total. This basically allowed the owner to proceed with additional fraud on my expense, and I have no way to fight it since XXXX policy allows them to automatically charge the card on file since its in the agreement.

Company response to consumer: Closed with explanation