vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: KY

Complaint narrative:
To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Fraudulent & Unauthorized Account Creditor : XXXX XXXX Partial Account # : XXXX To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and related federal statutes. I am demanding the immediate removal of a fraudulent and unauthorized account listed by XXXX XXXX, which appears on my Experian credit file. 




FRAUDULENT ACCOUNT INFORMATION : Creditor : XXXX XXXX Type : Auto Loan Date Opened : XX/XX/XXXX Reported Balance : {$14000.00} Original Balance : {$24000.00} Partial Account # : XXXX > This account is not mine. 
I did not open, authorize, consent to, or benefit from this account. It is the result of identity theft and the unauthorized use of my personal information. 






LAWS AND CODES REQUIRING REMOVAL : 15 U.S. Code 1681c-2 ( a ) Requires credit bureaus to block identity theft information within 4 business days.

15 U.S. Code 1681i ( a ) Mandates a reasonable reinvestigation within 30 days ; unverifiable accounts must be deleted.

15 U.S. Code 1681s-2 ( b ) Furnishers must verify data ; unverifiable or inaccurate data must be removed.

15 U.S. Code 1681e ( b ) Experian must ensure maximum possible accuracy; continuing to report unverifiable or false data violates this requirement.

18 U.S. Code 1028 Unauthorized use of personal identity is a federal crime.

15 U.S. Code 1681n & 1681o Allow for civil liability and damages for willful or negligent noncompliance.

LEGAL PRECEDENTS AGAINST EXPERIAN : Dennis v. Experian ( 2013 ) {$45.00} million class action for failing to remove inaccurate data.

Taylor v. Experian ( 2015 ) Experian found liable for mishandling identity theft disputes.

Ramirez v. TransUnion ( 2021 ) Supreme Court upheld consumer rights under FCRA for false credit information.

FINAL NOTICE : If this account is not removed, I will file formal complaints with the CFPB, FTC, and my State Attorney General, and will pursue legal action under the FCRA.

RESPONSE REQUIRED : Please confirm in writing that this fraudulent and unauthorized account has been fully removed from my credit report. As required under 15 U.S. Code 1681i ( a ), you must respond within 30 days of receipt of this letter.

Thank you for your immediate 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 explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I am formally disputing multiple violations of my consumer rights resulting from the inaccurate, negligent, and non-compliant reporting of my personal credit file. You are obligated under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and Metro 2 data standards to ensure the maximum possible accuracy of any data you furnish.

FAILURE TO MAINTAIN ACCURACY & COMPLIANCE : Your continued dissemination of false information directly violates FCRA 1681e ( b ). The presence of inaccurate names, addresses, employers, dates of birth, and unauthorized inquiries reflects a gross failure to ensure data integrity. The Metro 2 2020 CRRG makes clear that ANY deviation from the standard jeopardizes data integrity. You are now on notice. 

ILLEGAL AUTOMATED PROCESSING OF DISPUTES : Furthermore, I am aware of your unlawful practice of using automated form-letter responses to dispute investigations. This violates my rights under FCRA 1681i ( a ) ( 4 ), which mandates that each dispute be reviewed individually, not processed with generic template responses. Failure to conduct a meaningful investigation constitutes willful noncompliance under FCRA 1681n. 

DEMAND FOR VERIFIED PROOF : I demand that you provide complete, verified documentation for every claim being reported. This includes signed contracts, applications, and original source documents to substantiate the reporting of these personal identifiers and inquiries. The burden of proof lies with you. Failure to comply will be documented as additional evidence of reckless disregard and potential fraud. 

PERSONAL INFORMATION BEING DISPUTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is your legal obligation. I expect all unverifiable and non-compliant data to be PERMANENTLY DELETED from my credit file. Failure to comply will leave me no choice but to escalate this matter to the CFPB, FTC, State Attorney General, and private legal counsel for statutory damages. 

You have XXXX  days to complete a proper investigation and respond with full validation.

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 2025-06-18 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: CA

Complaint narrative:
I am formally disputing multiple violations of my consumer rights resulting from the inaccurate, negligent, and non-compliant reporting of my personal credit file. You are obligated under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and Metro 2 data standards to ensure the maximum possible accuracy of any data you furnish.

FAILURE TO MAINTAIN ACCURACY & COMPLIANCE : Your continued dissemination of false information directly violates FCRA 1681e ( b ). The presence of inaccurate names, addresses, employers, dates of birth, and unauthorized inquiries reflects a gross failure to ensure data integrity. The Metro 2 2020 CRRG makes clear that ANY deviation from the standard jeopardizes data integrity. You are now on notice. 

ILLEGAL AUTOMATED PROCESSING OF DISPUTES : Furthermore, I am aware of your unlawful practice of using automated form-letter responses to dispute investigations. This violates my rights under FCRA 1681i ( a ) ( 4 ), which mandates that each dispute be reviewed individually, not processed with generic template responses. Failure to conduct a meaningful investigation constitutes willful noncompliance under FCRA 1681n. 

DEMAND FOR VERIFIED PROOF : I demand that you provide complete, verified documentation for every claim being reported. This includes signed contracts, applications, and original source documents to substantiate the reporting of these personal identifiers and inquiries. The burden of proof lies with you. Failure to comply will be documented as additional evidence of reckless disregard and potential fraud. 

PERSONAL INFORMATION BEING DISPUTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is your legal obligation. I expect all unverifiable and non-compliant data to be PERMANENTLY DELETED from my credit file. Failure to comply will leave me no choice but to escalate this matter to the CFPB, FTC, State Attorney General, and private legal counsel for statutory damages. 

You have XXXX  days to complete a proper investigation and respond with full validation.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
An old account from BADCOCK furniture store that was once written off now has been brought by JEFFERSON CAPITAL SYSTEMS LLC. I have no written contract with Jefferson Capital Systems LLC. As business professionals, this old account was brought by the debt collector, the original creditor sold it to the debt collector at a discounted price, and now Jefferson is demanding payment from me. Thats not gon na happen. As this complaint is put in via CFPB I now say if Jefferson wants to collect a debt from me, they must provide me services, I will accept the debt of {$4100.00} only if Jefferson send me a check for that amount to XXXX XXXX XXXX XXXX AL XXXX. I do not give Jefferson Capital Systems LLC consent to furnish any thing to the credit bureaus, they must delete the account immediately. If they do not delete the account in the next 5 business days, I will have no other choice but to assume they agree to a settlement of {$5000.00}, for improper use of personal information. I did not give them my personal information and they do not have my written consent to furnish or hold my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
In early XXXX, I disputed a collection account reported by Equifax from XXXX XXXX XXXXXXXX ( original creditor : XXXX ). Equifax responded that the account remains unchanged, but they did not provide any documentation or evidence verifying the debt. 

I also disputed the same account with XXXX  and it was deleted from my credit report after their investigation. Additionally, XXXX  confirmed over the phone that the account could not be validated and will be deleted within 30 days. 

This clearly shows that the information Equifax continues to report is either inaccurate or unverifiable, which violates the Fair Credit Reporting Act ( FCRA ). I never received a debt validation notice from XXXX or XXXX XXXX  XXXX, and I never had direct communication or agreement with the collection agency. 

Because other credit bureaus have removed the account, I respectfully request that Equifax do the same and delete the collection from my report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-18 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:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX -auto loan- opened on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-19 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: MI

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-18 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: MS

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : Unfair Debt Collection Practices and Failure to Provide Proper Notification LVNV Funding / Resurgent Capital Services / XXXX XXXX XXXX To Whom It May Concern, I am filing this complaint regarding the actions of LVNV Funding, Resurgent Capital Services, and XXXX XXXX XXXX concerning several debts that I allegedly owe. These accounts are currently being reported in collection status, and I have not received the legally required notifications about them. 

Details of Accounts in Question : XXXX Account ending in XXXX Balance : {$2700.00}, Resurgent Capital Services, and XXXX XXXX XXXX They own the same account number XXXX Account ending in XXXX Balance : {$1000.00} XXXX XXXX XXXX  Account ending in XXXX Balance : {$500.00} XXXX XXXX XXXX  Account ending in XXXX Balance : {$490.00} These accounts were allegedly originated by XXXX and XXXX XXXX XXXX and are now being collected by LVNV Funding, which is associated with Resurgent Capital Services and XXXX XXXX XXXX. I was never notified by mail regarding these debts and did not receive any validation notices, as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Key Issues : I never received any written validation of the debts, including itemized statements or debt verification letters.

The only way I became aware of these debts was by checking my spam email folder. No official correspondence or mail was sent to my address.

Despite this lack of communication, I was taken to court in New Jersey for one of these accounts without my knowledge.

I am currently receiving Supplemental Security Income ( SSI ), which is protected from garnishment under federal law.

I have been subjected to what I believe is harassment and unfair collection practices, including legal action without notice.

I have already notified these companies about my financial hardship, including that I am behind on bills and struggling with {$500.00} in essential expenses.

I am requesting that the CFPB investigate this matter and ensure these companies follow proper legal procedures when attempting to collect debt. I also request a full and immediate validation of all alleged debts and that any collections or legal actions be halted until verification is properly provided.

These tacticssuch as taking court action without proper notice and ignoring my protected income statusare unethical and potentially unlawful under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
I am formally contesting the inaccurate, incomplete, and undocumented information you continue to report on my credit profile. This includes both unverifiable account data and unsubstantiated inquiries that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Data Reporting Standards.

The alleged delinquency and inquiries you have furnished lack factual proof and supporting documentation. Federal and state law require that you only report accurate, complete, and verifiable information. Reporting unverifiable, inconsistent, or misleading information constitutes willful noncompliance and is unlawful.

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy of all information reported. Further, 15 U.S.C. 1681i mandates a thorough reinvestigation of disputed information, and 15 U.S.C. 1681s-2 prohibits the continued reporting of information known to be inaccurate. Your failure to fully verify the accuracy of these accounts directly violates these statutory obligations.

I hereby demand that you provide verifiable physical evidence, including but not limited to : Full account-level documentation Original applications bearing my signature All supporting legal documentation demonstrating lawful reporting authority Should you fail to provide the required documentation, I demand the immediate and permanent DELETE of the following inaccurate personal information and accounts from my credit file : Personal Information Being Challenged : Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Incorrect Name : XXXX XXXX Account Being Challenged : XXXX  - XXXX Your inability or unwillingness to comply with federally mandated consumer protection standards constitutes a serious violation of my rights. Continued non-compliance will leave me no choice but to escalate this matter through formal legal channels, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and civil court as necessary. 

This is your final opportunity to fully comply with your legal responsibilities. I expect immediate action and a written confirmation of the DELETE of the aforementioned items. I authorize you to mail all physical documentation reflecting your investigation and the current state of my credit file to my address on record.

Failure to resolve this matter may result in formal legal action without further notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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