vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These fraudulent inquiries were not me and that is why they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX  - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 XXXXXXXX XXXX XXXX - XX/XX/2024 XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX XXXX - XX/XX/2024 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 2025-10-21 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:
I am writing to formally submit a complaint regarding multiple inaccuracies and erroneous entries on my credit report that have caused significant distress and potential financial harm. Despite my efforts to resolve these issues directly with the reporting agencies and creditors, these inaccuracies persist. 

Incorrect Address Reporting : XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX, XXXX, TX XXXX These addresses are not associated with me, and their continued presence on my credit report is misleading and may constitute identity misrepresentation. 

Inaccurate Account Reporting and Negative Entries : The following accounts are reported inaccurately, either in balance, status, or date opened : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Charge Off, High Balance {$220.00}, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Charge Off, High Balance {$85.00}, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, High Balance {$1000.00}, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment, High Balance {$430.00}, Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  Late Payment, High Balance {$1400.00}, Date Opened XX/XX/XXXX ( include full list as needed ) These entries are either inaccurately reflecting my payment history, reporting wrong balances, or listing accounts I have never opened. 

Impact : These errors have already affected my ability to access credit, impacted my credit score, and caused undue stress. Accurate reporting is my legal right under the Fair Credit Reporting Act ( FCRA ), and continued reporting of incorrect information is unacceptable. 

Requested Action : I respectfully request the CFPB to : Investigate all the above-listed accounts and addresses for inaccuracies. 

Ensure that all incorrect entries are corrected or removed from my credit report immediately. 

Provide written confirmation of all corrective actions taken. 

Please treat this complaint with the urgency it requires. I have attached documentation supporting my claims, including copies of identification and correspondence with creditors where applicable.

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 2025-10-21 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: CA

Complaint narrative:
I formally dispute the entries associated with accounts I did not establish. Kindly conduct a thorough audit and delete them. Supporting documentation is enclosed.

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 2025-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Greenlight Financial Technology, Inc
State: MI

Complaint narrative:
My husband opened a Greenlight account for our kids. He created a family account. He sent me the link to be added to the account. When I clicked on the link I didnt know it created a whole new account and used my maiden name. I deposited {$400.00} in total after going through numerous methods. I was sending our XXXX kids their birthday money. This was around XXXX XX/XX/year>. After consultanting with my husband we found out that this account was a new account and wasnt connected. I immediately called customer service which was a handful. Finally got a hold of someone who I cand half understand. They said they were closing that account and I would be immediately refunded to the original source I used. We'll after a week one {$200.00} was deposited. We have contacted customer service over 50 times through numerous methods, phone, email, and text. Every customer service representative has given us completely different responses. Finally after XXXX XXXX they told us they mailed a check on XXXX XXXX. Please wait 10 to 14 business days for it to arrive in a white envelope from Green Light. So after numerous more attempts to contact them after the 14 business day mark, around middle of XXXX they stated they canceled the check and a new one would be sent with the same time frame. Fast forward to middle of XXXX, contacted them again. They stated they canceled the check again and will expedite this one and will send the tracking number. Here we are XXXX XXXX. No check no tracking information and my husband is government employee not getting paid. Thats groceries and fuel for a week for our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other docume
ntation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-21 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:
XXXXI am writing to formally submit a complaint regarding multiple inaccuracies and harmful reporting on my credit reports by various financial institutions, which have negatively affected my creditworthiness and caused undue stress. Despite my efforts to resolve these issues directly with the creditors, they remain unresolved. I am requesting the CFPBs assistance in investigating and rectifying these mattersXXXXIssues Identified:XXXXIncorrect Addresses Reported:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXInaccurate Reporting of Payment Status (Late Payments):XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inaccuracies have caused significant harm to my credit profile and financial opportunities. I have attempted to resolve these directly with the creditors, but the errors persist.XXXXRequested Resolution:\nI request that the CFPB assist in:XXXXInvestigating these inaccuracies.XXXXEnsuring all incorrect reporting is corrected or removed from my credit reportsXXXXProviding written confirmation once the corrections have been made.'

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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX XXXX : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Demand for Debt Validation Immediate Deletion if Unverified Account Name : Jefferson Capital Systems Original Creditor : XXXX Account Number : XXXX Reported Balance : {$1900.00} Date Opened : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for full validation of the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 
Jefferson Capital Systems is reporting an alleged debt purchased from XXXX. I have never received proper verification or original documentation proving that this debt is valid, legally enforceable, or owed by me. Therefore, under FDCPA 809 ( b ), I am formally requesting that you provide the following : XXXX. A copy of the original signed contract or agreement bearing my live ( wet ink ) signature, establishing my obligation to XXXX ; XXXX. A complete payment history and itemized accounting showing how the amount of {$1900.00} was calculated ; XXXX. Proof of ownership and assignment of the debt, demonstrating Jefferson Capital Systems legal right to collect ; XXXX. A copy of any correspondence or billing statements sent to me by either XXXX or Jefferson Capital Systems ; and XXXX. Verification from XXXX confirming that this alleged debt was valid, collectible, and not previously settled or discharged. 
Until such documentation is provided, this account remains unverified and must not be reported to any credit bureau. Continuing to report unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), which require data furnishers to report only accurate, fully verified information.

Accordingly, I am demanding : Immediate investigation and deletion of this account from my Experian credit report if verification can not be produced within 30 days ; and Written confirmation of the results of your investigation, including documentation used for verification.

Failure to comply with these requirements will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Minnesota Attorney Generals Office, as well as civil legal action for damages under FCRA 616617 and FDCPA 813. 

This letter serves as a cease and desist notice under FDCPA 805 ( c ) : do not contact me by phone or any means other than written correspondence for the purpose of this verification request. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: UT

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 : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTED/XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPTED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DEPTED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPEDXXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
I was enrolled at the XXXX XXXX XXXXXXXX and dropped a class during the first week. Once classes started, I immediately realized I was not interested in continuing as a student there. I reached out to the XXXX  and asked about dropping the course. I was never told that I would owe any balance, and I was under the impression that my XXXX XXXX funding would cover any initial costs. 
Later, I was told I was being charged for participating in the class because I made a post in the first week. I contacted the University several times to dispute the charge and specifically requested proof that I posted in the class. The University never provided any proof or documentation showing my participation. 
Instead of responding to my request or resolving the dispute, they sent me an email stating that my account was being transferred to the XXXX XXXX  for collections. I was not given a fair opportunity to review or challenge the debt before it was sent to a third-party collector. 
I believe this is an unfair debt collection practice because the charge is not valid, I was not properly informed that I would owe anything, and I made a timely attempt to dispute it directly with the University. I am requesting that the XXXX XXXX XXXX recall the account from collections, provide documentation to verify the debt, and correct any negative credit reporting associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: American Financial Network Inc.
State: GA

Complaint narrative:
I was in the process of buying a house in XXXXand my first lender ( XXXX XXXX XXXX XXXX ) said i wouldnt be approved because the title showed the house as a condo/duplex. 
My realtor, XXXX, talked me into/advise switching to another lender, XXXX XXXX , who told me XXXX was wrong and that she could get me closed. I told XXXX that Id be switching and he said, its impossible, but if she can get you a close Id like to know how. XXXX couldnt get me closed like she assured me. She extended the closed dates at least twice and cause me my earnest money, plus the inspections and a fee for extending. The whole ordeal was so traumatic that I dont even want to purchase a home anymore nor talk about it. 

Please contact me via phone for more details. I have more proof to submit but file too big. I can scan it via email.

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 2025-10-21 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: 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 response to consumer: Closed with non-monetary relief