vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-08 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: CO

Complaint narrative:
Account Credit Collection Services # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX from my report as soon as possible or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards, auto loan and personal loan on my 3 credit reports. I didnt gove anyone permission or authorization to open these accounts. This is really affecting my ability to take care of my family

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 2025-05-08 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: NC

Complaint narrative:
I am a victim of identity theft. There are several credit cards, auto loan and personal loan on my 3 credit reports. I didnt gove anyone permission or authorization to open these accounts. This is really affecting my ability to take care of my family

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 2025-05-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thaxton Investment Corporation
State: MI

Complaint narrative:
On XXXX I received a call from a number ( XXXX ( XXXX ) XXXX ) it was a woman saying she was to be locating me to serve me papers and when I told her I didnt know what this was about she said that because I didnt know what it was about she could give me my claim number and I could call another number that she gave me ( XXXX ) XXXX and that I could possibly settle it before they took legal action she gave me a claim number XXXX she said this was something from XXXX XXXXXXXX XXXX When I called the second number a man named XXXX answered and said that I had taken out a loan of some sorts in XX/XX/year> he also said that I had been paying for awhile but then my account closed and they believed I was attempting to defraud this financial institution intentionally and they were trying to take legal action against me so that I couldnt do this again to another financial institution and that it would go against my social security number for life and I wouldnt be able to take out loans ever again and he offered to settle it if I paid him XXXX even though I do not recall taking out any loan I gave him my card number he repeated the last four of my social to me and I was convinced it was legitimate. He asked for my address and card info. Which I gave he said this was from a company called quick credit and that he was a process server. Also he mentioned something about XXXX  XXXX. He told me to call him back tomorrow to make my payment because sometimes banks reject it and he wanted to make sure the payment went through. I called back later because I had originally agreed to pay the lump sum but had thought to see if it could be a split payment. A woman named XXXX answered she said she had to check and put me on hold she came back and said she could schedule XXXX tomorrow and XXXX on XX/XX/XXXX but they could not push it back further they said that making these payments would stop them from taking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/year> at around XXXX, I received a notification that a transaction for {$4.00} was taken out of my account by XXXX XXXX My ace flare account was already in the negative prior to this transaction being taken out due to auto pay. I didn't know it was time to make the payment to XXXX. I also had my Ace Flare card on pause so no transaction would get through but somehow it still went through. Ace is suppose to give you a 24 hour grace period to repay any negative balance on my account. Later on today which is still XX/XX/XXXX, I went to look at my account to pay my prior negative balance and also the balance that was taken out for the {$4.00} and saw that they had already applied the {$20.00} overdraft Fee before the 24 hour grace period. The transaction was on XX/XX/XXXX and also the {$20.00} overdraft was applied on XX/XX/XXXX several hours after the transaction posted. They didn't give me time to even pay it back and they went ahead and applied a {$20.00} fee to my account. I have sent them Several messages from my account and have tried calling them today NUMEROUS TIMES! They have not been reachable! When I've called it's asking for my card number or social. When I put my card number it's saying that isn't a valid card number. When I try to put my social it asks can I put the last 4 numbers of my card. When I put the last 4 of my card it's saying it can't understand that or something. I've tried calling them 15 times today and I'm getting the same error message on the automated call. It will not transfer me to an agent! So I've paid my negative balance including the extra {$20.00} that should've been removed by tomorrow morning because that'll be the 24 hour grace period. I have requested they remove this fee because it's not suppose to be applied until tomorrow if I hadn't paid my negative balance. This fee that was applied needs to be taken off and back into my account! They love to send me info about the rules of the overdraft so I clearly understand them because I've had overdraft plenty of times and they usually are very understanding and helpful when it comes to this. I've been trying to avoid using my overdraft because I've used it alot so when the transaction was taken out I immediately tried to repay it before the grace period but they applied it anyway knowing it wasn't 24 hours yet to apply it!

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-08 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CL Holdings LLC
State: AZ

Complaint narrative:
XX/XX/XXXX debt was reported XX/XX/XXXX updated my credit report {$3100.00} I filed a dispute to remove it from my credit report being that with the new law this year, medical/dental debt can not reflect on your credit report. It's a dental credit card that can only be used at the dental office it was applied for and NOWHERE else. 
I was denied the removal saying it was verified debt with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Issues with financial aid services
Company: MOHELA
State: IN

Complaint narrative:
Hello team, I am filing this complaint regarding private student loans originally taken out with XXXX XXXX and XXXX, now serviced by MOHELA. These loans were used to attend the Art Institute XXXX XXXX. 

The Art Institute was the subject of multiple lawsuits for fraud and misrepresentation, and my federal student loans we

re fully discharged under Borrower Defense to Repayment. Despite submitting similar documentation to the private loan servicers, my requests for discharge have been denied.

The loans have since been transferred between multiple servicers, and I have faced significant difficulty navigating the process. I believe these loans should be eligible for cancellation or discharge, as they were taken out under fraudulent circumstances. 

I am requesting the CFPBs assistance in reviewing this matter and facilitating a fair resolution with MOHELA, XXXX, and XXXX XXXX. 

Thank you Kindly, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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: TX

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 XXXX 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 explanation
Consumer complaint received 2025-05-08 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: SC

Complaint narrative:
I am filing this complaint because TransUnion is continuing to report a derogatory tradeline from XXXX on my credit report, even though XXXX filed for XXXX  XXXX bankruptcy on XX/XX/XXXX, and the company has since ceased operations. 

This account is inaccurate, outdated, and unverifiable. XXXX is no longer in business and can not legally or factually verify the account. Under the Fair Credit Reporting Act ( FCRA ), TransUnion is required to ensure all data reported is accurate and verifiable, and this account violates FCRA 15 U.S.C. 1681s-2 ( b ). 

On XX/XX/XXXX, I mailed a certified formal dispute letter to TransUnion requesting deletion of this inaccurate entry. I have received no response, and the account remains, continuing to damage my credit. 

In addition, I sent a certified letter to XXXX on XX/XX/XXXX, demanding clarification and correction of why the account is still being reported as open with derogatory remarks, despite the companys bankruptcy and legal closure. No response was received from XXXX, which further proves the account can not be verified and should be removed under federal law. Moreover, XXXX provided no form of communication advising consumers of " Pending and/or active '' bankruptcies. XXXX, also failed to provide consumers with any form of communication to " possibly '' offer any remedies of business closing. This move was egregious and very self focused without the thought or security of any consumer through this process. 

This continued reporting is misleading, harmful, and a willful violation of my rights under the FCRA. I am requesting immediate removal of the XXXX tradeline from my TransUnion credit report within 31 days, beginning XX/XX/XXXX, counting 30 days forward. If this is not resolved quickly, I will escalate this matter to legal action for damages and FCRA noncompliance. 

Sincerely, 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried valiantly to get Experian to reset my account so that I can unfreeze my credit, because I dont recognize the phone number or email on my account, so I cant verify my identity and thus remove the credit freeze : Ive tried calling every number on the website multiple times, looking through their self-help articles, and even using the PIN they gave me to unfreeze my credit, and they wont help. I can not follow the mailing steps due to the fact that they also have the wrong mailing address on file for me, which I also can not modify in my account, so I will have to drive over an hour each way to print and mail my documents only to be rejected for not aligning with the information on file. 

Nothing works. Please help. This shouldnt be this hard.

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