vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my XXXX XXXX. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my 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 2025-07-06 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/year> XXXX XXXX RE : Dispute and Validation Request for Account Number : * * * * XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " XXXX XXXX '' in the amount of {$140.00}, associated with account number * * * * XXXX. This account is listed as charged off or in collection status on my XXXX XXXX I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX XXXX ( XXXX XXXX ) to demand full validation. 

I request the following documentation : XXXX. The original signed credit agreement bearing my wet signature. 
XXXX. Full itemization of the alleged debt, including all interest and fees. 
XXXX. Proof of assignment or transfer of the debt, including the complete chain of custody. 
XXXX. Any pooling or securitization agreements involving this account. 
XXXX. Confirmation of whether a Form XXXX was issued. 
XXXX. A complete accounting of the obligation from origination to present. 

If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the XXXX XXXX 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/year> XXXX XXXX RE : Dispute and Validation Request for Account Number : * * * * XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " XXXX XXXX '' in the amount of {$140.00}, associated with account number * * * * XXXX. This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX XXXX  ( XXXX XXXX ) to demand full validation. 

I request the following documentation : XXXX. The original signed credit agreement bearing my wet signature. 
XXXX. Full itemization of the alleged debt, including all interest and fees. 
XXXX. Proof of assignment or transfer of the debt, including the complete chain of custody. 
XXXX. Any pooling or securitization agreements involving this account. 
XXXX. Confirmation of whether a Form XXXX was issued. 
XXXX. A complete accounting of the obligation from origination to present. 

If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the XXXX XXXX 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 explanation
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit 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 2025-07-06 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: Kovo
State: CO

Complaint narrative:
I found an inaccurate negative item on my XXXX XXXX. I contacted the furnisher, received no verifiable response, and im requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove any unverifiable items!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Thank you for your attention to the matter. This account does not belong to me. An account was never opened with said creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
I was recently reviewing my XXXX XXXX and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my XXXX XXXX. I request that this account be removed from my XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
Subject : Urgent Request for Deletion of Fraudulent Accounts Under FCRA XXXX Due to Identity Theft Accounts Involved : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I am submitting this formal dispute regarding unauthorized accounts that were fraudulently opened in my name as a result of identity theft. I recently discovered that my personal information was compromised during the XXXX XXXX XXXX, which has resulted in the misuse of my credit identity. 

I have submitted an official Identity Theft Report to the Federal Trade Commission ( FTC ) ( Report # XXXX, dated XX/XX/year> ), which is enclosed with this letter. This report affirms that I did not apply for or authorize the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX for Removal In accordance with the Fair Credit Reporting Act ( FCRA ), specifically : XXXX ( XXXX XXXX. XXXX ) : Consumer reporting agencies must block information resulting from identity theft within XXXX business days after receiving a valid identity theft report and proper identification. 
FACTA XXXX ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) : Furnishers are prohibited from reporting fraudulent data once notified of identity theft. 
FTC XXXX XXXX XXXX. XXXX : Defines identity theft and grants consumers the right to dispute and block fraudulent data from their credit reports. 
Enclosed Documents FTC Identity Theft Report ( Report # XXXX, dated XX/XX/year> ) Action Requested I am requesting the following under my consumer rights : Immediate block and permanent removal of all fraudulent accounts listed above. 
Cease and desist any reporting or collection related to these accounts. 
Written confirmation that these accounts have been removed from my credit file. 
Please treat this matter as urgent. Failure to respond may result in complaints being filed with the FTC, CFPB, and the XXXX of the XXXX XXXX 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
All of my citibank issued credit cards have their individual username and passwords. All of my cards have trouble loggin in. I have called the phone number on all my cards and get nothing but transferred to a bunch of different phone numbers and no XXXX has resolved my issues. No XXXX  at Citi Bank knows what to do they just hang up on you. 
This problem afftects XXXX XXXX XXXX issued Citibank card, XXXX Citibank credit card, Citibank XXXX Card. XXXX cards total. I can not view my account on line. All my accounts are XXXX  I can not see what is being charged on any of my cards such as past due, late charges, unauthroized charges, increased rates. This problem has been going on for months.

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 2025-07-06 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: MD

Complaint narrative:
Complaint : I am submitting this complaint because multiple unauthorized hard inquiries were made on my credit reports after a pgone call with car dealership on or around XX/XX/XXXX. 

I explicitly told the dealership that I was already approved for financing through my personal bank. I made it clear that I did not authorize my credit to be submitted to any other lenders. Despite that, they submitted my information to numerous lenders who accessed my credit reports without my permission.

These inquiries are a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires a permissible purpose and authorization before any entity can access a consumers credit file. I did not authorize these inquiries. 

Below is a full list of the companies that pulled my credit without my permission and others who has pulled my crdit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were made without my knowledge, without my consent, and without legal authorization. 

I am requesting : A full investigation into this matter Immediate removal of these inquiries from my credit reports with Experian, Equifax and TransUnion.

Appropriate enforcement actions against involved lenders for violating my rights under the FCRA Thank you for your 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 2025-07-06 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: MD

Complaint narrative:
Complaint : I am submitting this complaint because multiple unauthorized hard inquiries were made on my credit reports after a pgone call with car dealership on or around XX/XX/XXXX. 

I explicitly told the dealership that I was already approved for financing through my personal bank. I made it clear that I did not authorize my credit to be submitted to any other lenders. Despite that, they submitted my information to numerous lenders who accessed my credit reports without my permission.

These inquiries are a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires a permissible purpose and authorization before any entity can access a consumers credit file. I did not authorize these inquiries. 

Below is a full list of the companies that pulled my credit without my permission and others who has pulled my crdit without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries were made without my knowledge, without my consent, and without legal authorization. 

I am requesting : A full investigation into this matter Immediate removal of these inquiries from my credit reports with Experian, Equifax and TransUnion.

Appropriate enforcement actions against involved lenders for violating my rights under the FCRA Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: OH

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my XXXX XXXX. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my XXXX XXXX  because, in your opinion, you believe that I have used a XXXX party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-07-06 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:
I was recently reviewing my XXXX XXXX and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my XXXX XXXX. I request that this account be removed from my XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
I recently reviewed my consumer report and notice an unauthorized fraudulent account TRANSWORLD SYSTEMS INC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections.

Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security unauthorized disclosure to third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681 ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XX/XX/year> PLEASE Delete late payments.THANKS YOU

Company response to consumer: Closed with non-monetary relief