vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: MT

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent account that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The account listed below was opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance. 

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations. 

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Montana State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 

This account is fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove this account immediately, and provide supporting verification if you continue to report them : 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against JEFFCAPSYS regarding an account I have with them XXXX * * * * XXXX * * * * XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : JEFFCAPSYS ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$920.00} JEFFCAPSYS  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6400.00} JEFFCAPSYS  ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX  Balance : {$2400.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with JEFFCAPSYS buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
This account is being reported inaccurately and may involve an attempt to collect an incorrect or unverified amount. The balance listed ( {$9500.00} ) is neither explained nor supported by any documentation Ive received. Additionally, the account includes a vague term 3B Sweep and is categorized as an Open Account with Joint Responsibility, which I do not recall ever authorizing or signing for.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), information furnished to consumer reporting agencies must be accurate and complete. Reporting unclear or misleading account structures ( such as a 3B Sweep or factoring company account with no provided explanation or supporting documents ) violates this obligation.

Furthermore, under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute the debt and request validation. I have already requested this information from the reporting company and/or creditor, and I have not received any evidence or contract to support the amount owed or the account terms.

I am requesting that this item be fully investigated. If the reporting company can not provide clear, complete, and lawful documentation, including the proof of my consent to the joint account, the calculation of the amount owed, and what 3B Sweep means then this account must be corrected or deleted from my credit report in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MO

Complaint narrative:
My Equifax credit report is showing a number of questionable and likely inaccurate charge-off and collection entries, which include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 type of reporting, especially for multiple low-balance collections from the same agency, raises concerns about system errors or unauthorized data reporting. No proper validation notices were provided, nor were original documents furnished. Reporting this data without verifying its accuracy violates 15 U.S.C. 1681e ( b ). Moreover, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Equifaxs failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-30 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:
This complaint serves as my final formal notice concerning the inaccurate late payment listed on my credit report and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

Despite multiple prior disputes, you continue to report this negative item without providing any supporting documentation. A generic verified response does not meet your obligation under FCRA XXXX to conduct a reasonable reinvestigation. 


You are also in violation of FCRA XXXX ( b ), which requires you to ensure maximum possible accuracy. Your failure to remove unverified data and refusal to provide original evidence constitutes willful noncompliance. 

You have XXXX days from the date of this letter to provide : Original, complete documentation from the creditor validating the alleged late payment ; A full description of your reinvestigation, including sources used ; Immediate deletion of the disputed items if not substantiated with original evidence. 

This issue aligns with recent enforcement actions by the CFPB, including the XX/XX/year> lawsuit against Experian for similar violations. Your conduct mirrors those cited failings and strengthens my legal position. 
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 2025-05-30 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: GA

Complaint narrative:
I have submitted multiple disputes to TransUnion ( File # ) regarding a bankruptcy and other accounts reporting inaccurately on my credit report items that I believe are either unverifiable, fraudulent, or the result of identity theft. I requested, on multiple occasions, the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I have never received a detailed or adequate response. 
Furthermore, I froze my XXXX file on XX/XX/XXXX, yet TransUnion continues to claim they verified a bankruptcy that XXXX could not have provided. I also contacted the court where the alleged bankruptcy was supposedly filed. The court responded clearly on XX/XX/XXXX, stating that they do not report to or verify anything with credit bureaus, nor do they communicate with TransUnion at all. 
Despite also providing TransUnion with : My FTC Identity Theft Report, A Police Report Documentation of a XXXX freeze, Multiple letters requesting MOV, they have not blocked the fraudulent accounts or provided any evidence of a reasonable investigation. 
On XX/XX/XXXX, I spoke to several TransUnion representatives ( XXXX, XXXX, XXXX, and XXXX XXXX ) under Case #. I was passed around repeatedly, received conflicting information, and ultimately the call was terminated by a supervisor after failing to answer my legal concerns. 
This is a clear violation of my rights under : FCRA 611 ( Failure to conduct a reasonable reinvestigation ), FCRA 611 ( a ) ( 7 ) ( Failure to provide Method of Verification ), FCRA 607 ( b ) ( Failure to ensure maximum accuracy ), FCRA 605B ( Failure to block identity theft-related information ).

I have been patient and provided more than sufficient documentation, yet TransUnion refuses to comply with the law. Their reinvestigations appear to be automated and not based on a meaningful review of any documents. They have caused serious harm to my creditworthiness and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
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
Consumer complaint received 2025-05-30 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX {$630.00}. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On or about XX/XX/XXXX, I submitted a written dispute regarding inaccurate or incomplete information appearing on my consumer report, pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i. My dispute was mailed via certified mail and received by the company on XX/XX/XXXX, as confirmed by USPS tracking number XXXX. 

In accordance with the FCRA, the company was required to conduct a reasonable reinvestigation of the disputed information and report the results of that reinvestigation to me within 30 days. However, no investigation results were ever received, either within the required timeframe or thereafter. 

Additionally, after receiving the initial response from the first disputewhere the company claimed the account was accurate, validated, or verifiedI timely requested a reinvestigation of the information pursuant to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). Under this provision, if a consumer makes a written request for reinvestigation within 15 days of receiving the original results, the company is required to : Conduct a reinvestigation ; Review and consider all relevant information provided by the consumer ; Complete the reinvestigation within 15 days ; Provide the consumer with written results within XXXX business days after completion. 

I made this reinvestigation request on XXXX XXXX, which was again sent via certified mail and received by the company on XX/XX/XXXX/ Tracking # XXXX. Despite clear evidence of receipt, I did not receive any results from the reinvestigation process, nor did the company notify me of any deletion, correction, or validation procedures as required under the law. 

The company failed to meet its obligations under the FCRA by not conducting a reasonable reinvestigation and by failing to provide results within the statutory timeframes. Their inaction and non-responsiveness constitute willful noncompliance with the FCRA. 

I am seeking regulatory intervention and enforcement action for this failure to comply with XXXX XXXX Code 1681i, and for the ongoing reporting of inaccurate or unverifiable information that has not been properly investigated or validated. 

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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this formal complaint against [ Experian/Equifax/TransUnion ] for repeated violations of the Fair Credit Reporting Act ( FCRA )

( 15 U.S.C. 1681 et seq. ), the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ( 12 U.S.C. 5531, 5536 ) regarding inaccurate, unverifiable, and harmful information on my credit report. Nature of Complaint : Violation of My Consumer Rights I have disp
uted the following account ( s ) with [ Experian/Equifax/TransUnion ] , and they have failed to conduct a reasonable reinvestigation or provide adequate verification as required under 15 U.S.C. 1681i : Creditor Name : XXXX XXXX  Account XXXX Nature of Dispute : The account contains materially false information, including status, incorrect Date of First Delinquency, duplicate/re-aged account ]. Despite my request, the credit bureau has not properly verified or deleted the inaccurate account in compliance with the law. 
Violations Committed by [ Experian/Equifax/TransUnion

] 1 . Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) o My dispute was processed through an automated system ( e-OSCAR ) rather than a meaningful investigation involving creditor records. This does not satisfy the FCRAs investigation requirements. 2. Failure to Delete Unverified or Inaccurate Information ( 15 U.S.C. 1681
i ( 5 ) ) o The FCRA mandates the removal of any information that can not be verified.

Since [ Experian/Equifax/TransUnion

] has not provided proper verification, the account must be deleted. 3. Reporting Inaccurate Information with Reckless Disregard ( 15 U.S.C. 1681e ( b ) ) o Under the maximum possible accuracy standard, the credit bureau must ensure all reported information is correct. The continued reporting of this inaccurate account is a violation of my consumer rights. 4. Failure to Properly Notify Data Furnisher ( 15 U.S.C. 1681s-2 The credit bureau has failed to ensure the furnisher of information ( the creditor ) properly investigates and corrects the error, violating the FCRA.

5. Violation of the Gramm-Leach-Bliley Act ( GLBA ) o 15 U.S.C. 6801 ( b ) : Financial institutions must protect the accuracy and confidentiality of my personal data. Allowing inaccurate credit information to remain on my file is a violation of this duty.

6. Engagement in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) o The CFPB prohibits financial institutions from engaging in deceptive practices. By misrepresenting my creditworthiness and failing to correct known errors, [ Experian/Equifax/TransUnion ] has committed a UDAAP violation under 12 U.S.C. 5531, 5536

Company response to consumer: Closed with non-monetary relief