vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: LA

Complaint narrative:
I am filing this complaint against XXXX  for continuing to report inaccurate and unverifiable information from Self Financial ( Self Lender ).

The Self tradeline contains contradictory and impossible data. For example, the reported account history shows OK status while also showing a {$0.00} payment for the same month. It also reports a 30-day late in XX/XX/XXXX that conflicts with Selfs own records. This demonstrates that the data is inaccurate and unreliable. 

I disputed this account with XXXX  in XX/XX/XXXX and specifically requested the Method of Verification under FCRA 611 ( a ) ( 7 ). XXXX  marked the account verified but did not provide the furnishers name, contact information, method of verification, or any supporting documentation. 

On XX/XX/XXXX, I sent a certified dispute and validation demand directly to Self Financial, requesting a signed contract, billing statements, complete payment history, and proof of accuracy. Self did not provide any documentation. 

On XX/XX/XXXX, I filed an FTC Identity Theft Report ( # XXXX ), which specifically listed Self Financial as one of the accounts to be blocked under FCRA 605B. XXXX  has not complied. The account continues to appear on my XXXX  credit file despite my valid identity theft block request. 

XXXX conduct violates : FCRA 605B failure to block an account included in an identity theft report. 

FCRA 611 failure to conduct a reasonable reinvestigation or provide Method of Verification.

FCRA 607 ( b ) failure to ensure maximum possible accuracy.

This account is inaccurate, unverifiable, and harmful to me. I am requesting that XXXX  immediately block and permanently delete the Self Financial tradeline from my credit report, ensure it is not reinserted without full documentation and notice, and provide me with an updated copy of my corrected credit report.

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

Complaint narrative:
CFPB COMPLAINT CREDIT REPORTING VIOLATIONS Category : Credit Reporting ( Fair Credit Reporting Act FCRA ) Complaint Summary I am filing this complaint against the nationwide consumer reporting agencies ( CRAs ) TransUnion, Experian, and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Despite submitting formal disputes, the CRAs have : Failed to ensure maximum possible accuracy ( 607 ( b ) ).

Reported cross-bureau inconsistencies ( different dates, balances, payment histories, and comments for the same account ).

Improperly reinserted previously deleted accounts without providing the required 5-day written notice or furnisher certification ( 611 ( a ) ( 5 ) ( B ) ).

Failed to provide a complete Method of Verification ( MOV ), including the actual documents used to verify disputed accounts ( 611 ).

Continued reporting of identity-theft-related items, despite notice of fraud, an FTC identity theft report , and law enforcement documentation ( 605B ).

Failed to update or purge inaccurate personal information such as addresses, name variations, and employment history linked to fraudulent accounts.

Specific Issues Identified Cross-bureau inconsistencies : Accounts report different open dates, balances, payment statuses, and comments across Experian, Equifax, and TransUnion, making it impossible for the data to all be true.

Improper reinsertion : Deleted accounts have reappeared on reports without any notice or proof of certification.

Identity theft/data breach exposure : My personal information has been compromised in a data breach and appears on the dark web, yet CRAs continue to report items that can not be verified to belong to me.

Late payment reporting errors : Several accounts display contradictory histories ( e.g., OK payment history while also coded as charge-off or showing late markers without full payment strings ).

Failure to update personal information : Old addresses and identifiers tied to fraudulent accounts remain on file, increasing risk of mixed files. 

Impact These violations have : Lowered my credit scores. 

Denied me fair access to credit opportunities. 

Caused ongoing emotional distress and time lost correcting repeated errors.

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 2025-09-09 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: GA

Complaint narrative:
CFPB COMPLAINT CREDIT REPORTING VIOLATIONS Category : Credit Reporting ( Fair Credit Reporting Act FCRA ) Complaint Summary I am filing this complaint against the nationwide consumer reporting agencies ( CRAs ) TransUnion, Experian, and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

Despite submitting formal disputes, the CRAs have : Failed to ensure maximum possible accuracy ( 607 ( b ) ).

Reported cross-bureau inconsistencies ( different dates, balances, payment histories, and comments for the same account ).

Improperly reinserted previously deleted accounts without providing the required 5-day written notice or furnisher certification ( 611 ( a ) ( 5 ) ( B ) ).

Failed to provide a complete Method of Verification ( MOV ), including the actual documents used to verify disputed accounts ( 611 ).

Continued reporting of identity-theft-related items, despite notice of fraud, an FTC identity theft report , and law enforcement documentation ( 605B ).

Failed to update or purge inaccurate personal information such as addresses, name variations, and employment history linked to fraudulent accounts.

Specific Issues Identified Cross-bureau inconsistencies : Accounts report different open dates, balances, payment statuses, and comments across Experian, Equifax, and TransUnion, making it impossible for the data to all be true.

Improper reinsertion : Deleted accounts have reappeared on reports without any notice or proof of certification.

Identity theft/data breach exposure : My personal information has been compromised in a data breach and appears on the dark web, yet CRAs continue to report items that can not be verified to belong to me.

Late payment reporting errors : Several accounts display contradictory histories ( e.g., OK payment history while also coded as charge-off or showing late markers without full payment strings ).

Failure to update personal information : Old addresses and identifiers tied to fraudulent accounts remain on file, increasing risk of mixed files. 

Impact These violations have : Lowered my credit scores. 

Denied me fair access to credit opportunities. 

Caused ongoing emotional distress and time lost correcting repeated errors.

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 2025-09-09 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: AZ

Complaint narrative:
I WAS TRYING TO PURCHASE AN HOME FOR ME AND MY FAMILY AND REALIZE THAT I HAD DAMAGES ON MY CREDIT REPORT ACCORDING TO THE 15 US 1681 THERE SHOUDNT BE ANY DAMAGES ON MY CREDIT REPORT ITS A DEFERMATION TO MY CHARACTER

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 2025-09-09 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: AZ

Complaint narrative:
I WAS TRYING TO PURCHASE AN HOME FOR ME AND MY FAMILY AND REALIZE THAT I HAD DAMAGES ON MY CREDIT REPORT ACCORDING TO THE 15 US 1681 THERE SHOUDNT BE ANY DAMAGES ON MY CREDIT REPORT ITS A DEFERMATION TO MY CHARACTER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX and I have personally written this message to bring to your attention unauthorized accounts on my credit report. These has hindered my score and as a result I am unable to grow and improve my life as a young XXXX woman because of denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it. 
Please remove them all as soon as possible. My credit score has dropped significantly due to this. I have tried my best to resolve this with the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) And they refuse to be professional and resolve this with accuracy and investigation. 
I have already created an FTC as well. I am extremely upset about these accounts, as I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED.

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 2025-09-09 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: CT

Complaint narrative:
Hello my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX and I have personally written this message to bring to your attention unauthorized accounts on my credit report. These has hindered my score and as a result I am unable to grow and improve my life as a young XXXX woman because of denials. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of it. 
Please remove them all as soon as possible. My credit score has dropped significantly due to this. I have tried my best to resolve this with the major credit agencies ( TRANSUNION, EXPERIAN, EQUIFAX ) And they refuse to be professional and resolve this with accuracy and investigation. 
I have already created an FTC as well. I am extremely upset about these accounts, as I am protected by laws under 15usc1681eb for maximum possible accuracy. These accounts are false and misleading under law 15usc1692 section 807 and I asked to have them INVESTIGATED and REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
i have attatched the letters I have sent to them. They do not respond or provide proof of investigation of any of my disputes.

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

Complaint narrative:
I have never signed a contract with XXXX XXXX, I have never received any financial benefits or goods from XXXX  XXXX. Please remove this inaccurate account information from 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 2025-09-09 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Property Receivables, Corp
State: TX

Complaint narrative:
Property Receivables Corp believes I owe my apartment complex {$75.00} but I contacted my apartment complex, XXXX XXXX XXXX and they explained the mail is spam or an attempt to steal money as they do not know the company that is sending the mail and that there is not debt to be paid at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Williams, Rush & Associates, LLC
State: MS

Complaint narrative:
Debt Collector Complaint Template ( CFPB & XXXX ) Subject Line : Debt Collector Unable to Prove Ownership - Illegal Collection & Credit Reporting I am submitting this complaint regarding WILLIAM RUSH & ASSOCIATE in connection with their attempts to collect on an alleged account that they have failed to validate under federal and state law. The company is furnishing negative information to the credit bureaus and contacting me about a debt they can not legally prove they own or are authorized to collect.

Specifically, I submitted a timely request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, the collector failed to provide any of the following critical documents : Proof of ownership of the alleged debt A valid purchase agreement for the WILLIAM RUSH & ASSOCIATE containing my account A complete and unbroken chain of title from the original creditor to themselves A copy of their state bond or license required to collect in Mississippi Without proof of ownership or a chain of title, WILLIAM RUSH & ASSOCIATE has no legal standing to pursue collection, report to credit bureaus, or claim any right to payment. Furthermore, furnishing derogatory credit information under such circumstances constitutes false and misleading representation under 15 U.S.C. 1692e and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

I am requesting the following : 1. Immediate deletion of any credit reporting related to this account.

2. Cessation of all collection activity unless and until full validation and legal standing are established.

3. A complete investigation by your agency into WILLIAM RUSH & ASSOCIATE 's practices of reporting and collecting on debts without proper documentation. This complaint is being submitted in good faith to protect my consumer rights. The failure to provide ownership documentation while attempting to collect or damage my credit is not only unethical-it 's unlawful. 

Account Details ( if required by platform ) Collector : WILLIAM RUSH & ASSOCIATE Original Creditor : [ Original Creditor Name ] Alleged Account Number : # XXXX XXXX XXXX XXXX XXXX XXXX Date of alleged charge-off or transfer : [ Month/Year ] Date of collector 's first contact : [ Month/Year

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank , N.A . regarding an unlawful repossession of my vehicle. 

On XX/XX/2025, Chase authorized a repossession that was carried out by agents who entered a private, gated residential garage at an apartment complex without permission or notice. This act constitutes a clear breach of the peace under UCC 9-609 and relevant state law.

Key details : The vehicle was repossessed at approximately XXXXXXXX XXXX on a XXXX XXXX 

The repossession occurred within a secured, gated parking garage of a private apartment complex, clearly marked XXXX XXXX. 

A witness observed the tow truck entering and towing my vehicle without authorization. The truck was unmarked, and the witness was disturbed by the incident. Photos of the repossession and the property signage are available.I was approximately XXXX minutes away from home at the time. 

Chase has denied my internal dispute, stating no one was harmed, but the law does not require force, weapons, or physical confrontation to constitute a breach of peace. Entry onto secured, private property without consent is sufficient.

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

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$300.00} Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Balance {$140.00} Account Name : XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX Balance {$12000.00} Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: CA

Complaint narrative:
My information was shared to a third party without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
The company reported to Experian, XXXX XXXX  credit bureau on XX/XX/year> that my account was 90 days past due and that I have not made a payment on the account since XX/XX/year>. I have a payment monthly on the account.

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