vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit report shows a 30-day late payment reported by Macys/Citibank in XX/XX/year> XXXX a closed Macys retail credit card account. I dispute the accuracy of this reporting because I consistently paid my Macys account on time, and the account was closed in good standing.

I attempted to contact Macys/Citibank to obtain documentation verifying the late payment, but they were unable to provide any account records or supporting evidence. This raises serious concerns about whether the derogatory information they furnished to the credit bureaus is accurate and verifiable.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to provide accurate, complete, and verifiable information. If they can not substantiate a reported late payment with proper documentation, the information must be corrected or deleted.

Because Macys/Citibank has not been able to produce any evidence verifying this XX/XX/year> late payment, I am requesting that the CFPB compel them to either verify the accuracy of this reporting with complete documentation or have the derogatory entry removed from 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 non-monetary relief
Consumer complaint received 2025-09-26 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada
State: NV

Complaint narrative:
This letter is a formal and legal demand for the immediate removal of erroneous and unlawful collection accounts from my consumer credit file. After reviewing my credit report ( File No. XXXX, issued XX/XX/year> ), I found the following collections reporting inaccurately and unlawfully : XXXX XXXX of Nevada # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX of Nevada # XXXX Original Creditor : XXXX XXXX XXXX These accounts are in clear violation of federal law and must be removed immediately. 



Violations of Federal Law 1. 15 U.S.C. 1692c ( FDCPA Ceasing Communication ) : Debt collectors are prohibited from communicating without proper authorization and verification. I have never received lawful validation notices for these alleged debts.

2. 15 U.S.C. 1692g ( FDCPA Debt Validation ) : Within five days of initial communication, a collector must provide written validation of the debt. These accounts fail to meet this requirement and are therefore invalid.

3. 15 U.S.C. 1681e ( b ) ( FCRA Maximum Possible Accuracy ) : Consumer reporting agencies must ensure maximum possible accuracy of the information they report. Reporting unverifiable and unvalidated debts is a direct violation.

4. 15 U.S.C. 1681i ( FCRA Reinvestigation ) : As the consumer, I am disputing these items. Unless verifiable documentation from the original creditor is produced within 30 days, these accounts must be permanently deleted.

5. Civil Liability ( 15 U.S.C. 1681n & 1681o ) : Noncompliance subjects both the debt collector and the consumer reporting agency to actual damages, attorneys fees, and statutory damages up to {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Larry H. Miller Group of Companies
State: KY

Complaint narrative:
I am three months behind on my auto loan for my vehicle due to being placed off work without my request and being unemployed as a result. I have been in communication with my lender, including a late-stage collector, and have provided documentation of my financial hardship. I was offered to make a partial payment of {$360.00} as a courtesy, but was informed that even if I make this payment, my account will still be sent to loss mitigation and potentially repossessed in nine days. 

I have requested a formal hardship review, repayment plan, or deferral from someone with authority to approve such accommodations, but have not received confirmation that this request will be considered. I am willing and able to make good faith payments, and I am asking for the lender to work with me to prevent repossession while my unemployment claim and settlement are processed. 

I am submitting this complaint to request that the lender properly consider my hardship and provide a repayment arrangement or deferral so I can keep my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CL Holdings LLC
State: LA

Complaint narrative:
I am writing out of complete frustration and desperation. I am a victim of identity theft, and Jefferson Capital LLC with an account number XXXX and a balance of {$1200.00} is reporting a fraudulent account that was never mine. I have never applied for, opened, or benefited from this account. Despite mailing XXXX disputes to the credit bureaus on XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, this account is still being reported. 

This failure to remove a fraudulent account is a violation of my rights under the Fair Credit Reporting Act ( FCRA, Section 611, 15 U.S.C. 1681i ), which requires the credit bureaus to conduct a reasonable investigation and delete inaccurate information. Furthermore, Jefferson Capital LLCs continued reporting of a debt that does not belong to me may also violate the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692e ), which prohibits the false representation of debts. 

This fraudulent account has severely damaged my credit scores and my ability to move forward financially. I am pleading for the CFPBs intervention to require the immediate deletion of this Jefferson Capital account and restore my credit file to reflect only accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Follow-Up Request for Method of Verification To Whom It May Concern, I am writing regarding my previous dispute dated [ insert date ], in which I challenged the accuracy of the following account ( XXXX ) XXXX XXXX XXXX XXXX You responded by claiming the account ( XXXX ) were verified. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) and ( 7 ), I am formally requesting the following : XXXX. The method of verification used to determine the disputed information was accurate. 
XXXX. The name, address, and telephone number of the data furnisher who verified the information. 
XXXX. Documented proof of the investigation conducted, including any records, documents, or communication relied upon to reach your conclusion. 

Please note that failure to provide the requested verification and supporting evidence is a violation of the FCRA, specifically 15 U.S.C. 1681i, which requires consumer reporting agencies to conduct a reasonable reinvestigation and provide the method of verification upon request. 

If you can not or will not provide proper verification, I demand that the disputed account ( XXXX ) be immediately deleted from my credit report. Continued reporting of unverifiable information is a direct violation of federal law and may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals office, as well as potential legal action for damages. 

Please respond to this request within the legally required time frame. I expect your compliance in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
All paperwork showing payment change was withheld. 
all late notices were withheld until third payment was late. 
this is predatory business practices. This has destroyed my credit rating which has destroyed the remainder of my life.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, XXXX XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of the collection action or this I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to XXXX off this debt or stop collection activity and remove it all together. 

Please attach copies of the following documents : Agreement that you have authority to collect on the alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on the account, to prove that the amount you wish to collect is correct. 


I hope your legal staff will agree that noncompliance with this request will result in serious legal consequences for your company. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I am writing to formally dispute the validity of a collection account that has reappeared on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to accurate and verifiable information on my credit file. 
The collection agency reporting this account has been unable to provide the name of the original creditor, documentation of the debt, or evidence of how the account was opened. Without this information, the debt can not be verified and should not be reported. 
In XX/XX/year>, I notified the agency that I was a victim of a data breach and identified multiple accounts that did not belong to me. Following their investigation, they confirmed that this account was fraudulent and agreed to remove it. Despite this, the account has now reappeared on my credit report, which is both inaccurate and in violation of the FCRA. 
I am requesting that this account be immediately re-investigated and permanently removed from my credit report due to the lack of verification and its prior determination as fraud. Please provide me with written confirmation of the outcome of your investigation within the XXXX  days required by law. 
Failure to comply with the XXXX verification and reporting requirements will leave me no choice but to escalate this matter further, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number XXXX XXXXXXXX

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 2025-09-26 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I have listed all of the companies that have unlawfully accessed my credit report without my knowledge, permission or authorization. The placed hard inquiries on my credit and I have requested that they remove them. The companies have provided no information verifying an authorization for them to access my credit report and they have not removed the inquiries. 

On XX/XX/year>, the following companies utilized my credit report without my knowledge, permission or authorization and placed a hard inquiry on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-26 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 file a complaint regarding multiple inaccuracies and unfair reporting practices by various creditors, which have negatively impacted my credit profile and financial standing. Despite my attempts to resolve these issues directly with the involved institutions, the problems remain unresolved. 

Details of the issues : Incorrect Addresses Reported : XXXX XXXXXXXX XXXX XXXXI XXXX not my address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX not my address Late Payment Reporting : XXXX / XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$100000.00} Issue : Incorrectly reported late payments XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Issue : Incorrectly reported late payments XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : Incorrectly reported late payments These inaccuracies are damaging my creditworthiness and causing undue XXXX. I request the CFPB to investigate these matters promptly, ensure the correction of all inaccurate information, and require the responsible institutions to confirm that my credit report is updated correctly. 

I have attached copies of any relevant correspondence and documentation to support my claims. I expect a thorough review and resolution of these issues as per the Fair Credit Reporting Act ( FCRA ) and other applicable regulations.

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