vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: DISCOVER BANK
State: AK

Complaint narrative:
On XX/XX/year>, I scheduled XXXX transfers in my Discover Bank account to move funds to my XXXX account. XXXX transfer was completed correctly and credited to XXXX. However, the second transfer was processed incorrectly : instead of sending money to XXXX, Discover debited funds from my XXXX account and pulled them back into Discover. 

After this, the funds were placed on hold by Discover. I was informed that the money would not be available for up to XXXX business days, even though the transaction was initiated by me in the opposite direction ( to XXXX ). 

I immediately contacted both Discover Bank and XXXX customer service on the same day. Both institutions told me they can not reverse the transaction or release the funds sooner. Discover representatives repeatedly said that there is no way to resolve this and that I must simply wait the full XXXX business days. 

This situation is very frustrating because : My original intent was to transfer money into XXXX, not to pull funds out of XXXX. 
Discover is holding my money for XXXX business days, preventing me from accessing my own funds. 
Customer service at both banks has been unhelpful and refused to escalate or provide a written explanation. 

I am requesting XXXX assistance to : XXXX. Investigate why this transaction was reversed or misdirected. 
XXXX. Require Discover to provide a clear written explanation of why my funds are being held. 
XXXX. Ask Discover to release the held funds earlier, or otherwise take responsibility for correcting this situation. 

XXXX involved : {$220.00} Date of transaction : XXXX XX/XX/year> XXXX involved : Discover Bank and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as a formal complaint Equifax XXXXXXXX XXXX XXXX XXXX are reporting inaccurate and incomplete information on my credit report. Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -. The notation of the following late payments ) is inaccurate.Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not.also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records trom the creditor that would prove that my payment was not submitted on time. it is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paia As Agreed, Never Late ) according to consumer protection laws.As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: GA

Complaint narrative:
I am a victim of identity theft through experian files being hacked. When this happened I put a lock on my credit profile and filed bankruptcy to clear all debt. This was in XXXX. I received a notice in XX/XX/XXXX for an unauthorized account from XXXX. I reported to the debt collection company and experian that this was not my account and asked for each to provide any documents that shows my identity, my signature or any relevant documents to prove I opened this account. Neither could provide such information. I asked for this to be removed from my credit file and neither has removed this information. This is causing irreparable damage and harm to my credit standings. From credit report : XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$3400.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX There was a second account added once XXXX was deleted. That account was the same and was ultimately deleted because it was proven that it was fraud with no proof of ownership on my part. This is the XXXX company to buy this debt and again they can not even show any proof of ownership which has affected my credit and my ability to purchase a new home. My credit is otherwise good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OH

Complaint narrative:
The listed entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no effective steps have been taken. Despite submitting all required documentation and following up multiple times, the errors remain unresolved. This ongoing situation has caused significant financial strain and negatively impacted my well-being. The process of addressing these inaccuracies has been both frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial activity, including the timely correction of outdated or incorrect information. I am requesting that you take immediate steps to correct or remove the erroneous late payment entries. Continued inaction would constitute a violation of my rights under federal law. 
I expect a prompt and thorough resolution to this matter. Thank you for your attention.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing the bankruptcy listed on my credit report. I have never filed for bankruptcy, and no valid public record exists to support this claim.

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 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX Email : XXXX Date : XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX Re : Cease and Desist Request Account XXXX To Whom It May Concern, I am writing to formally demand that Jefferson Capital Systems , LLC immediately cease and desist all forms of communication with me, including but not limited to phone calls, letters, emails, or any other means of contact.

This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I am exercising my right to request that you cease further communication with me regarding any alleged debt. 

Please be advised that any further contact from your company, except as permitted under the FDCPA ( such as to inform me that no further contact will be made or to notify me of specific legal action ), will be considered a violation of federal law. Should you ignore this request, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's Office. 

This letter is not an acknowledgment of any debt, nor should it be construed as such. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
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 non-monetary relief
Consumer complaint received 2025-08-19 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: GA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-08-19 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
On XX/XX/year>, a XXXX sales representative, XXXX XXXX, came to my home and offered XXXX service and equipment for $ XXXX, stating we had a 30-day trial period with no fees if we chose to cancel. He did not disclose anything about a separate XXXX loan or that billing would come from another company. That same evening, around XXXX XXXX, a technician came to install the system and finished around XXXXXXXX XXXX The technician told me the system could not go live until I signed the contract. When I reviewed it, the contract did not match what was promised it showed $ XXXX. I told him I wanted to wait for an updated contract, but he said dont worry, if the sales representative promised it, XXXX XXXX honor it, and pressured me to sign. 

On XX/XX/XXXX, I called XXXX XXXX to verify the promised terms, but he did not answer. On XX/XX/XXXX, I called XXXX directly, and they said they would contact the sales representative to confirm. On XX/XX/XXXX, I found out that XXXX would not honor the promises. Instead, I was billed $ XXXX by XXXX, XXXX $ XXXX by XXXX for a financing contract I never knowingly agreed to. I later learned that this was a {$3900.00} loan over 60 months, which financed the full cost of equipment without my informed consent. I was also told there was no 30-day trial period and that canceling would require me to pay off the loan ( nearly {$4000.00} ) plus XXXX early cancellation fees. 
I attempted to resolve this by contacting XXXX XXXX and his manager ( both by phone and email ), but they claimed everything was disclosed. On XX/XX/XXXX, XXXX told me they could downgrade the system to reduce costs : {$270.00} for the doorbell, {$160.00} for three door sensors, and {$530.00} for a panel. On XX/XX/year>, I discovered that during this entire period, I had also been signed up for a XXXX-financed starter package ( {$1700.00} + {$100.00} for sensors ) and still faced an additional {$520.00} early cancellation fee with XXXX. 

This loan was originated through false promises, misrepresentation, and lack of informed consent. I am requesting that the CFPB require XXXX to cancel or invalidate this installment loan, remove any related charges, and correct any negative credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: SC

Complaint narrative:
I am disputing a debt that Viking Client Services , LLC is attempting to collect on behalf of XXXX XXXX. 

On XX/XX/XXXX, I received a collection notice from Viking regarding alleged damage to a XXXX rental car. I formally disputed the debt in writing under the Fair Debt Collection Practices Act ( FDCPA ), requesting full validation. Viking responded by providing documents, including a Vehicle Incident Report dated XX/XX/XXXX at XXXXXXXX XXXX. However, my rental receipt shows I returned the vehicle at XXXXXXXX XXXX that same day, with no damage noted at the time of return. This creates a significant discrepancy and raises questions about whether the alleged damage occurred during my rental period. 

I sent a follow-up rebuttal letter to Viking highlighting this discrepancy and again requested proper validation. Instead of addressing my dispute, on XX/XX/XXXX Viking sent me another collection letter offering a discounted settlement, without acknowledging my prior dispute or providing the requested validation. 

This appears to violate my rights under the FDCPA, as Viking is continuing collection activity without adequately validating the debt after I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit bureaus ( Experian, Equifax, TransUnion ) are reporting inaccurate and unverifiable information connected to XXXX XXXX XXXX XXXX and its third-party collectors ( XXXX, XXXX  XXXX XXXX XXXX XXXX Despite my certified FCRA disputes, the bureaus failed to conduct a reasonable reinvestigation within the 30-day period required under 15 U.S.C. 1681i.

The accounts were re-aged, reported as delinquent while payments were being accepted by XXXX XXXX, and furnished by multiple collection agencies simultaneously, creating duplicate derogatories. This violates 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2.

I submitted over 197 pieces of supporting evidence, including payment records, collection notices, and correspondence showing identity theft and improper reporting. The bureaus ignored this documentation and continued publishing false tradelines, damaging my credit and opportunities. 

This failure to remove inaccurate and unverifiable data after proper disputes represents systemic non-compliance with the FCRA. I am now escalating this matter beyond the CFPB to the U.S. Department of Justice Civil Rights Division, as the ongoing misconduct implicates willful violations, reckless disregard for federal consumer protection law, and discriminatory denial of financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
The credit bureaus ( Experian, Equifax, TransUnion ) are reporting inaccurate and unverifiable information connected to XXXX XXXX XXXX XXXX and its third-party collectors ( XXXX, XXXX  XXXX XXXX XXXX XXXX Despite my certified FCRA disputes, the bureaus failed to conduct a reasonable reinvestigation within the 30-day period required under 15 U.S.C. 1681i.

The accounts were re-aged, reported as delinquent while payments were being accepted by XXXX XXXX, and furnished by multiple collection agencies simultaneously, creating duplicate derogatories. This violates 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2.

I submitted over 197 pieces of supporting evidence, including payment records, collection notices, and correspondence showing identity theft and improper reporting. The bureaus ignored this documentation and continued publishing false tradelines, damaging my credit and opportunities. 

This failure to remove inaccurate and unverifiable data after proper disputes represents systemic non-compliance with the FCRA. I am now escalating this matter beyond the CFPB to the U.S. Department of Justice Civil Rights Division, as the ongoing misconduct implicates willful violations, reckless disregard for federal consumer protection law, and discriminatory denial of financial opportunities.

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 2025-08-19 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: TX

Complaint narrative:
I recently found a hard inquiry on my credit report that I did not authorize. I have maintained detailed records of my credit activity and can confirm that this inquiry was not initiated or approved by me.

Company response to consumer: Closed with explanation