vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing the XXXX XXXX account appearing on my TransUnion credit report. I do not recognize this debt, have never received any documentation supporting it, and demand full verification pursuant to 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act. Under the FDCPA, a debt collector must provide validation of the alleged debt, including the name of the original creditor, the amount owed, and documentation evidencing that I am legally obligated to pay. Any continued reporting, collection activity, or communication regarding this account without providing proper validation constitutes a violation of FDCPA 1692e, 1692f, and 1692c ( c ), and may expose XXXX XXXX to statutory damages, actual damages, and attorneys fees. 

Additionally, under 15 U.S.C. 1681i and 1681s-2 ( a ) of the Fair Credit Reporting Act, TransUnion and the reporting party have a legal duty to conduct a reasonable investigation into disputed information. If XXXX XXXX can not verify this debt, it must be permanently removed from my credit report. Reporting unverified, inaccurate, or incomplete information is a violation of the FCRA and can result in statutory liability of up to {$1000.00} per violation, as well as actual damages, costs, and attorneys fees. 

Case law supports my rights in this matter : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ) establishes that debt collectors must validate debts before taking collection action ; XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirms that FDCPA validation obligations apply even to purchased debts ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) requires credit bureaus to conduct reasonable investigations ; XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that reporting unverifiable debts violates the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-11-27 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: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
They called me from this numberXXXX on XXXX which is a national holiday. XXXX falls on XX/XX/year>. They called me at approximately XXXXXXXX XXXX XXXX XXXXXXXX XXXX today. I have a screenshot of the call log proving that they called me at this time. I know that they are violating the law. The company is called Westlake Portfolio Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute and request the removal of a fraudulent XXXX account that is incorrectly appearing on my credit report. 

Creditor : XXXX Reported Balance : {$280.00} Account Status : Closed Closed Date : XX/XX/year>XXXX  Last Reported : XX/XX/year>XXXX  This account was closed by XXXX due to fraud, and I was not responsible for opening or managing this account. Since XXXX has already confirmed it was fraud-related, this account should not be reported on my credit profile. 

Under the Fair Credit Reporting Act ( FCRA 605B ), I am requesting the credit bureau to : 1. Block and remove this fraudulent XXXX account from my credit report 2. Stop reporting the balance or payment history 3. Notify XXXX of the fraud dispute and removal This account is negatively affecting my credit, and it is not mine. Please complete the reinvestigation and provide written confirmation once the account has been removed. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-11-27 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:
Dear Sir/Madam, I am disputing the accuracy and completeness of the information listed below. Some accounts appear duplicated across bureaus, show inconsistent balances, or present reporting issues that need reinvestigation. I request that Experian conduct a proper investigation and correct or delete any unverifiable information. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$460.00} XXXX  XXXX  XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} INQUIRIES ( EX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX LATE XXXX ( EX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX  v. Equifax Information Services LLC ( D. Ariz. 2018 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
We attempted to close our American Express account within the 30 day window of the annual fee being charged and was put on hold for an unbelievably long period of hold - at least 25 minutes- when we had to hang up to meet other commitments. 

We reengaged a few days later and went through another long hold period only to be told that we missed the 30 day window and would be charged a late fee as well as the annual fee. 

They offered to convert to another account and we informed that that we were already enrolled in another American Express product ( Delta rewards program ). 

They refused to cancel the account without the annual fee and late charge. 

We were on the record as wishing to close the account within the window and their unfair practices of unrealistic hold times made it almost impossible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
To Whom It May Concern I am filing this complaint because multiple items on my consumer report remain inaccurate and unverified despite previous disputes. These errors violate federal accuracy standards and continue to cause harm by damaging my credibility and limiting my opportunities. I am requesting immediate review and enforcement of my rights under the FCRA. All disputed items are listed below. 

ADDRESSES XXXX XXXX XXXX XXXX, MI XXXX This address does not belong to me and has never been connected to my identity. Keeping it on my report inaccurately associates me with locations I have never lived at. FCRA 602, 603, 607 ( b ), and 611 are being violated because you are reporting identity-related information that is not mine. 

XXXX XXXXXX/XX/XXXXXXXX, MI XXXX This address has no connection to me at any point. Continuing to publish this information attaches me to records and histories that are not mine and creates identity confusion. This violates FCRA 603, 607 ( b ), 611, and 609 ( a ) ( 1 ). 

ACCOUNT XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$500.00} This late payment reporting is inaccurate as I have never made a late payment on this account at any time. Reporting me as late violates FCRA 602, 603, 607 ( b ), and 611 because the information is not accurate or verified. I demand correction of the payment history to show an accurate on-time pattern. 

XX/XX/XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> High Credit : {$560.00} This account is also reporting a late payment that never occurred. I have always made my payments on time. Keeping inaccurate derogatory information is a violation of FCRA 607 ( b ), 602, 611, and 603 because the data is not complete or correct. This late payment must be fully corrected. 

I request the CFPB to require a full reinvestigation, removal of wrong addresses, and correction of all inaccurate payment history. These violations continue to harm me, and I ask for immediate enforcement of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-27 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd.
State: TN

Complaint narrative:
My account with XXXX has been closed since XX/XX/year> yet somehow I have a collection on my credit report stating that I owe comcast. 
I contacted customer service multiple times and they confirmed that I do not owe XXXX and that charges have been waived however my credit report has been affected. I need this removed immediately since I do not owe XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NV

Complaint narrative:
Please delete this unauthorized inquiry from my credit report. I have no knowledge of initiating it and no relationship with the listed creditor. I ask for its immediate removal to uphold the integrity of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, TX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts on my credit report. I request that these items be investigated for inaccuracies or incomplete reporting. Below are the details of the accounts I am disputing, separated by credit bureau : Charged Off : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$28000.00} XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$190.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$910.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX  XXXX XXXX, XX/XX/XXXX, {$1300.00} XXXX, XXXX, XX/XX/XXXX, {$600.00} XXXX, XXXX, XX/XX/XXXX, {$440.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$1200.00} Inquiries : XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment : XXXX XXXX XXXXXXXX, 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 2025-11-27 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:
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. 


XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
3 years ago I lost my job due to surgeries XXXX XXXX XXXX I have spoken with XXXX XXXX XXXX and told them I had lost my job and I can pay what I can I was told from XXXX XXXX XXXX that they cant take partial payments only what is due for the following monthly bills. There was nothing else I could have done because at the time I was getting short term Disibility of XXXX every month. Since 2024 XXXX XXXX XXXX have been calling harassing my wife and I and treating to come to our home and they was sending us to court this been going on since 2024, so yes I did call the police to see if we can keep getting threatened like this and police officer told me until a cop come and serve papers there is nothing to worry about but XXXX XXXX XXXX should not be harassing anyone because they cant pay off or on there debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
These accounts are not mine and should be erased within 15 days as dictated by USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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