vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
What happened? 
I am filing a formal dispute and complaint against CCS Collection Services for reporting two alleged collection accounts under my name and Social Security number that I do not recognize, do not owe, and never authorized : Account # XXXX | Balance : {$1100.00} | Original Creditor : Government Employees in CO** Account # XXXX | Balance : {$2800.00} | Original Creditor : Progressive Insurance** I have no contractual relationship or prior dealings with either of the listed original creditors regarding these alleged debts, and I have never received any proper billing statements, verification, or communication related to these accounts. This reporting appears to be erroneous, unverifiable, and inaccurateand constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ) and Fair Debt Collection Practices Act ( FDCPA 1692e, 1692f, and 1692g ). 

To date, CCS Collection Services has failed to provide me with : A signed contract or agreement proving I authorized or owe this debt, Documentation validating the amount, origin, or legal responsibility for the accounts, Proof of legal right to collect in my state, Full account-level transactional history for either debt, And timely validation as required by law under FDCPA 1692g ( b ).

These accounts have negatively affected my credit score and my ability to access essential financial resources. Their continued reportingwithout proper verification or legal basishas caused significant emotional distress and harm to my financial health.

In addition, I am formally invoking my rights under federal consumer protection laws to demand that CCS Collection Services cease and desist all further communication and collection activity related to these alleged debts. Continued communication, reporting, or collection attempts will be viewed as willful noncompliance and harassment under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX : XXXX XXXX XXXX Equifax RE : Requesting you Block and Remove Fraud from My Consumer Report >I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX which is enclosed with this correspondence. In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00} as specified in >15 U.S.C 1692k. > Defamation of Character >Negligent Enhancement of Identity Fraud >Violation of the Fair Credit Reporting Act >Violation under 15 U.S. Code & sect ; 1681o - Civil liability for negligent non compliance >Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance >Failing to comply with 15 USC 1692 ( g ) >Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports >Under 15 U.S.C. 1681i ( 7 ) Method of verification >Violations under 15 USC 1681 a ( 4 ) right to privacy >Violations under 15 U.S. Code & sect ; 1681c - Requirements relating to information contained in consumer reports I am taking this matter very seriously, and I demand that you take immediate action to block and remove the fraudulent account from my credit report. I have provided all the necessary information to facilitate this process. I kindly request that you acknowledge this letter and provide a timeline for the resolution of this issue .Your prompt attention to this matter is greatly appreciated. Sincerely XXXX XXXX XXXX. Equifax kindly appreciated for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding inaccurate personal information appearing on my credit reports from Experian, XXXX, and XXXX. There are multiple names and addresses listed that do not belong to me, have never been associated with me, and may be the result of reporting errors or potential identity confusion.

I have attempted to correct these errors with the credit bureaus, but the inaccurate data remains on my reports. This incorrect information includes : Misspellings and variations of my name that are not legally or historically mine Addresses where I have never resided or received mail These inaccuracies are
affecting the integrity of my credit profile and may impact decisions regarding my creditworthiness. I am requesting that the CFPB assist in investigating and resolving this matter with the credit reporting agencies.

I am prepared to provide documentation to verify my legal name and correct address, including a copy of my government-issued ID, proof of residence, and Social Security verification , if needed. 

I respectfully ask that the incorrect names and addresses be permanently removed from all three of my credit reports. I am filing this complaint because my credit reports from Experian, XXXX, and XXXX contain inaccurate and unauthorized personal information, including names, addresses, and places of employment that do not belong to me. 

These errors are not connected to any credit accounts I have opened, and I have never used these names, lived at these addresses, or worked at the listed employers. This misinformation is damaging to my credit profile and could be linked to reporting errors, mixed files, or identity confusion. 

I have attempted to resolve these issues directly with the credit bureaus, but the incorrect information has not been fully corrected or removed. 

I am requesting assistance from the CFPB to ensure the credit reporting agencies properly investigate and permanently remove the inaccurate data from all three reports. 

Thank you for your time and 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 explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-04-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Im deeply concerned that my credit report continues to reflect inaccurate and incomplete information. Despite multiple efforts to resolve this, the errors remain and are unfairly affecting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would e for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX. XXXXXXXX XXXX {$16000.00} XXXX. XXXX XXXX  {$2800.00} XXXX. XXXXXXXX XXXX {$3500.00} XXXX. XXXX XXXX XXXXXXXX {$2600.00} XXXX. XXXXXXXX XXXX {$2600.00}.

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 non-monetary relief
Consumer complaint received 2025-04-14 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Signed up for consumer program offered by company However info company providing doesnt add up

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
On XX/XX/year> I was involved in a XXXX XXXX At the time of the XXXX, i was ticketed for my part in it. On XX/XX/year> a XXXX XXXX  XXXX Court Judge dismissed my ticket and ruled that I was absolutely 100 % not at fault for the XXXX. 
I reached out to LexisNexis with this information in the correction request and asked them to correct the false information to reflect the City Courts ' ruling. My family and I have been getting the worst possible insurance rates because of LexisNexis ' inability to, or unwillingness to set the record straight. To this day, if I request a quote from an insurance company It will be an expensive and undeserved quote based on the false information still listed by LexisNexis. My wife had to make the same requests in order to get this egregious error fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
Customer Service Department This letter I supposed to send to Western Union XXXX XXXX XXXX XXXX explaining the issue. 


Subject : Escalation of Refund Request Case # XXXX I am writing to formally escalate my case regarding a refund I have been waiting for since XX/XX/XXXX. My case number is XXXX. According to the customer service representative I spoke with, I was advised to check my bank account ( XXXX  XXXX XXXX ) for the refund, which was supposed to be processed in XX/XX/XXXX. 

Upon checking my account, I have found no record of the refund, and additionally, the transaction has disappeared from my Western Union account as well. This situation is causing me significant concern, as I have not been able to resolve this issue after multiple attempts. 

The details of the original transaction are as follows : Sender Name : XXXX XXXX Receiver Name : XXXX XXXX XXXX Amount Sent : {$300.00} Date of Transaction : XXXX XXXX  ( Money Transfer Control Number ) : XXXX I kindly request that you investigate the status of my refund and provide me with a detailed update. It is crucial for me to know the whereabouts of this transaction and refund. If necessary, I am happy to provide any additional documentation to assist in the investigation. 

I trust that Western Union values its customers and will take immediate action to resolve this matter. I would appreciate a response within XXXX business days from the receipt of this letter. Should I not receive a satisfactory reply, I will be compelled to escalate the issue further through the appropriate regulatory channels. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX, and IRS reporting obligations. 

Complaint Summary : An account originally held by XXXX XXXX XXXX XXXX was allegedly transferred to XXXX XXXX XXXX, who is now attempting to collect a debt that is currently marked as closed on my credit report. My prior dispute submitted to TransUnion was denied without providing me a legal method of verification or the documentation required by law. 

Key Issues : 1. Unverified and Improper Debt Collection : TransUnion marked this dispute resolved on XX/XX/XXXX, without conducting a proper reinvestigation ( Dispute ID : XXXX ). 
I never received a 1099-C cancellation of debt form, which is required by law for any cancelled or charged-off debts over {$600.00}. 
No original signed documentation has been presented to prove I authorized XXXX XXXX XXXX to collect on this account. 

2. Contradictory Reporting : Although the account appears as closed, XXXX sent me a notice dated XX/XX/XXXX, offering to settle for {$650.00} or through payment plans. 
This contradiction shows ongoing collection activity on what is reported as a closed tradeline, a deceptive and misleading practice. 

3. Violations of Federal and XXXX  Law : 15 U.S. Code 1692c ( c ) : Continued contact without proper debt validation.

15 U.S. Code 1692e ( b ) : Inaccurate and misleading credit reporting.

15 U.S. Code 1681i ( a ) : TransUnion failed to reinvestigate properly.

15 U.S. Code 6802 : Unauthorized handling of my financial information. 
XXXX XXXX XXXX XXXX & XXXX : Failure to correct false credit information and use of deceptive means to collect. 

4. Method of Verification Ignored : I requested full method of verification, including : Who verified the debt, and what documentation was used. 
Whether I ever gave legal consent for XXXX to collect this debt. 
What legal authority XXXX has to collect debt in XXXX. 

Requested Action : I respectfully request that the CFPB : Investigate the false, inaccurate, and unverified reporting by XXXX and TransUnion. 
Order TransUnion to remove the disputed tradeline unless verified with signed, original documentation. 
Enforce compliance with the IRS, FCRA, FDCPA, and XXXX XXXX XXXX. 
Require TransUnion to disclose exactly what verification process was used to validate the dispute. 

Attached you will find supporting documentation from XXXX XXXX and a copy of the collection letter from XXXX, which clearly contradicts the reported status of the account. 

I am asserting my legal rights under federal and state consumer protection laws and request your urgent attention in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting the immediate deletion of XXXX XXXX account # XXXX from my credit reports due to continued inaccurate and unverifiable reporting. 

This account was settled under a pay-for-delete agreement, yet it remains on file with multiple reporting errors, including : 120-day late payments listed for both XXXX and XX/XX/year> ( which is factually impossible ) Late payment reporting during a CARES Act deferment period Inaccurate high balance, last payment date, and last activity date This reporting violates the FCRA ( 15 U.S.C. 1681s-2 ) and CARES Act protections. I also did not receive a 1099-C, further confirming the account was settled under agreed terms. 

Additionally, a formal dispute letter was sent to each bureau over 60 days ago and is attached for your reference it is dated and time-stamped via certified mail. No proper reinvestigation has been conducted. 

This matter is also under CFPB Complaint # XXXX, to which XXXX XXXX has failed to respond. I am now requesting full deletion of the account from all credit bureaus.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the immediate deletion of XXXX XXXX account # XXXX from my credit reports due to continued inaccurate and unverifiable reporting. 

This account was settled under a pay-for-delete agreement, yet it remains on file with multiple reporting errors, including : 120-day late payments listed for both XXXX and XX/XX/year> ( which is factually impossible ) Late payment reporting during a CARES Act deferment period Inaccurate high balance, last payment date, and last activity date This reporting violates the FCRA ( 15 U.S.C. 1681s-2 ) and CARES Act protections. I also did not receive a 1099-C, further confirming the account was settled under agreed terms. 

Additionally, a formal dispute letter was sent to each bureau over 60 days ago and is attached for your reference it is dated and time-stamped via certified mail. No proper reinvestigation has been conducted. 

This matter is also under CFPB Complaint # XXXX, to which XXXX XXXX has failed to respond. I am now requesting full deletion of the account from all credit bureaus.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed on late payment on XXXX that is inaccurate. I have maintained on-time payments since the inception of this account as it is on autopay and do not have documentation showing that this payment was legitimately XXXX  days late. 

I am requesting a full investigation and verification of this late payment. If the creditor is unable to provide sufficient evidence, I am asking the the record be updated to reflect accurate 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
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
since XX/XX/year> experian has blocked me from seeing a current report, report can not be seen and im given a error message and the run around when i contact customer service/tech support. Experian shouldnt be reporting a report that i have been blocked from seeing! FCRA prohibits this behavior practice to punish a consumer when they report inaccurate information!

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