vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Charge-Off Account and Demand for Debt Validation Creditor/Company Name : XXXX XXXX XXXX  Date Opened / Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a charge-off account currently reported on my TransUnion credit file. This letter serves as both a * * debt validation demand * * under the * * Fair Debt Collection Practices Act ( FDCPA ) * * and a * * cease and desist notice * * regarding further collection activity until proper validation is provided.

Under * * 15 U.S. Code 1692g * *, I am requesting full validation of the alleged debt, including : - A copy of the original signed contract or agreement - A full payment history and breakdown of charges - Proof of your legal authority to collect this debt - The name and address of the original creditor Furthermore, under * * 15 U.S. Code 1692c ( c ) * *, I am invoking my right to request that all communication regarding this alleged debt cease immediately, except for providing the required validation.

Additionally, under the * * Fair Credit Reporting Act ( FCRA ) * *, specifically * * 15 U.S. Code 1681s-2 ( a ) * *, data furnishers are prohibited from reporting inaccurate or unverifiable information to consumer reporting agencies. If this account can not be verified with proper documentation, it must be removed from my credit report immediately.

Please consider this letter a formal dispute under the FCRA. I request that TransUnion investigate this matter and provide written confirmation of the results of your investigation within 30 days, as required by law.

If this account is not validated or corrected within the legally mandated timeframe, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Sincerely, 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 2025-09-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Charge-Off Account and Demand for Debt Validation Creditor/Company Name : XXXX XXXX XXXX  Date Opened / Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX Creditor/Company Name : XXXX XXXX Account Number : XXXX Date Opened/ Reported : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a charge-off account currently reported on my TransUnion credit file. This letter serves as both a * * debt validation demand * * under the * * Fair Debt Collection Practices Act ( FDCPA ) * * and a * * cease and desist notice * * regarding further collection activity until proper validation is provided.

Under * * 15 U.S. Code 1692g * *, I am requesting full validation of the alleged debt, including : - A copy of the original signed contract or agreement - A full payment history and breakdown of charges - Proof of your legal authority to collect this debt - The name and address of the original creditor Furthermore, under * * 15 U.S. Code 1692c ( c ) * *, I am invoking my right to request that all communication regarding this alleged debt cease immediately, except for providing the required validation.

Additionally, under the * * Fair Credit Reporting Act ( FCRA ) * *, specifically * * 15 U.S. Code 1681s-2 ( a ) * *, data furnishers are prohibited from reporting inaccurate or unverifiable information to consumer reporting agencies. If this account can not be verified with proper documentation, it must be removed from my credit report immediately.

Please consider this letter a formal dispute under the FCRA. I request that TransUnion investigate this matter and provide written confirmation of the results of your investigation within 30 days, as required by law.

If this account is not validated or corrected within the legally mandated timeframe, I will consider further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: LA

Complaint narrative:
In XXXX, I disputed a {$350.00} charge with Self for an online reading program for my daughter. I was unable to use the program and promptly requested a refund from the merchant. The merchant refused a refund and instead only offered a credit, which I declined. I did not use the program or receive the services paid for.

Self denied my dispute, stating that I authorized the charge, but this is not an unauthorized use case it is a services not provided as agreed case under the Fair Credit Billing Act. They have the evidence, including documentation from the merchant confirming refusal to refund, yet Self has refused to correct the charge.

I am requesting that Self reopen the dispute under the correct reason code ( Services Not Provided as Agreed ) and remove the {$350.00} charge, along with any interest or fees tied to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft. The accounts listed below are fraudulent and must be blocked from my credit report under FCRA 605B. Enclosed are my FTC Identity Theft Report, police report, proof of ID, and proof of address. 

Fraudulent accounts reporting XXXX XXXX  {$1100.00} XXXX {$570.00} XXXX XXXX {$430.00} XXXX {$3700.00} XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$3800.00} ; {$2000.00} ; {$1100.00} ; {$640.00} ( qualify for XXXX XXXX forgiveness ) XXXX XXXX  {$780.00} These are not my accounts. I did not authorize them and I am not responsible for them. 

Please block these items from my credit file immediately as required 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am disputing unauthorized charges on my credit card account ending in [ XXXX ]. The transactions in question occurred on XXXX, XXXX. I did not authorize these charges, nor did I receive any goods or services from them. 

I reported the fraud to Bank of America on XXXX XXXX and was later informed that my claim was denied. I was not provided with a clear explanation of the investigation or any documentation supporting their decision. 

Under the Fair Credit Billing Act, I am entitled to dispute unauthorized charges, and the issuer has a duty to conduct a reasonable investigation. I am requesting that these charges be credited back to my account and that the issuer provide a written explanation of their decision and the evidence they relied upon. 

If this is not resolved, I am prepared to escalate further. 

Claim number is 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 monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XXXX the inquiry was not authorized. 
XXXX XXXX XXXX XXXX - XX/XX/year> - the inquiry was not authorized. 
XXXXXXXX XXXX XXXXXXXX - XX/XX/year> - the inquiry was not authorized.

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 2025-09-09 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: AZ

Complaint narrative:
This letter serves as a dispute against fraudulent accounts that have been attached to my credit file without my authorization. These entries are false, damaging, and misrepresent my financial history. Their reporting has no basis in fact and should never have been included.

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 2025-09-09 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Transunion data breach, which has exposed my sensitive data to unauthorized individuals.

The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX Date Opened : XX/XX/year> Balance : {$130.00}

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX received a notification bank account was over drawn, upon checking accounts discovered fraud had emptied checking an savings, discovered over 22 transactions XXXX dollars was gone, Contacted BofA to notify them an to put stop on debit card an let them know of the fraud After contacting BofA several times trying to get this matter resolved, BofA has denied the fraud an reimburseing the funds resulting in automatic payment not going through an credit score dropping. 
Our record shows our accounts have never been in the negative, but Bank of America refuses to an denys fraud Contacted XXXX. XXXX where the fraud had take place .a new fraud account was opened under debt card an was unable to access information, a warent to get access to card information needs to be implemented

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 monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
Since approximately XX/XX/scrub> 2025, Halsted Financial Services has repeatedly called and/or texted my friends phone number, XXXX, claiming I owe a debt. This number does not belong to me, and I have no knowledge of this debt. I verbally requested that they stop contacting this number and provide written validation of the alleged debt. Halsted has continued to contact my friends number, causing harassment, and has not provided debt validation. This violates the FDCPA by contacting a third party without consent ( Section 805 ( b ) ) and failing to validate the debt ( Section 809 ). This has caused XXXX  to my friend, who is not connected to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
See attached communication from FNBO dated XX/XX/scrub> 2025. In the third paragraph FNBO states " Under XXXX 's dispute regulations, once services have been used, even if delayed or otherwise not meeting expectations, the transaction no longer qualifies for a chargeback under the reason codes you referenced. '' I ask FNBO to provide the following information : 1 ) The reason code # you refer to?

2 ) Please cite the rule or regulation you are referring to from the dispute regulations. XXXX XXXX rules all have a number citation. Please cite that number or if what you are referring to is not in XXXX  XXXX  rules please provide information on exactly where I can find the regulation you are referring to. 

Please note that your failure to provide the citation to the regulation or rule will create an assumption that there is no rule and that FNBO is in error with regard to the position on this matter. 

If you can cite a rule that confirms what you have said then this matter is resolved. My intention is to close this matter upon receipt of the regulation you mention. 

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 2025-09-09 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: MA

Complaint narrative:
The following account is showing a late payment on XX/XX/year>. This is not correct. This account was paid on time. The rating should reflect paid as agreed. 

XXXX Mortgage # XXXX The following account is showing a late payment on XX/XX/year>. This is not correct. This account was paid on time. The rating should reflect paid as agreed. 

XXXX XXXX XXXXXXXX

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 2025-09-09 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: MA

Complaint narrative:
The following account is showing a late payment on XX/XX/year>. This is not correct. This account was paid on time. The rating should reflect paid as agreed. 

XXXX Mortgage # XXXX The following account is showing a late payment on XX/XX/year>. This is not correct. This account was paid on time. The rating should reflect paid as agreed. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX # XXXX This account is erroneous and needs to be removed immediately. I sent dispute letters and filed a fraud report. 
XXXX XXXX XXXX XXXX XXXXXXXX This account is erroneous and needs to be removed immediately. I sent dispute letters and filed a fraud report. 
XXXX XXXX # XXXX This account is erroneous and needs to be removed immediately. I sent dispute letters and filed a fraud report. 
XXXX XXXX # XXXX This account is erroneous and needs to be removed immediately. I sent dispute letters and filed a fraud report.

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 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: LA

Complaint narrative:
Summary of Complaint : I am filing a formal complaint against XXXX XXXX XXXX and its management, specifically XXXX XXXX, for multiple violations of tenant protections under the Texas XXXX XXXX, the Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act ( FCRA ). 
On or around XX/XX/year>, I submitted a written notice of intent to vacate my apartment at the above-mentioned property, citing serious unresolved issues impacting my safety and habitability. These included : A non-functioning security keypad for over a month. 
Unsecured building access ( zip ties and rocks used to prop open entry doors ). 
Unresolved maintenance issues ( such as lack of window blinds ). 
A threat of eviction based solely on the presence of a guest, with no legal or written basis. 
My concerns were ignored, and I never received responses to my formal written requests for clarification, a final rent statement, or proof of policy concerning the banning of guests. The apartment manager also failed to provide documentation supporting the alleged prohibition of XXXX XXXX XXXX from the premises, despite multiple requests. 
After I vacated the unit on XX/XX/year>, I attempted to follow up to request a final move-out balance, as required under Texas XXXX XXXX XXXX. My requests went unanswered. No final written accounting, no bill, and no formal communication was ever provided. 
Despite this, the apartment manager unilaterally reported an unpaid rent balance to collections and failed to notify me of this action, in clear violation of Texas law and federal consumer protection laws. 
Legal Violations Alleged : Failure to Provide Final Accounting Within 30 Days ( Texas XXXX XXXX XXXX ) Failure to Mitigate Damages After Lease Termination ( Property Code XXXX ) Improper Threats of Eviction Without Legal Justification ( Discrimination and Harassment ) Failure to Respond to Written Requests for Information ( Negligence ) Reporting Unvalidated Debt to a Collection Agency ( FDCPA Violation ) Failure to Notify Tenant of Debt Reporting ( FCRA Violation )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 non-monetary relief