vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally disputing the accuracy and legitimacy of an account listed under my name : Creditor : XXXX  XXXX XXXX XXXX  Account Number : XXXX As per my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ), I am demanding a full and independent reinvestigation into this account. I am also invoking Section 609 ( 15 U.S. Code 1681g ), which entitles me to full disclosure of how this account has been verifiedincluding the method of verification and documentation used to prove this account belongs to me. 
This account does not belong to me. I have submitted a Consumer Financial Protection Bureau ( CFPB ) complaint, yet your agencies and XXXX  XXXX have failed to provide any legally valid documentation, including but not limited to : - A signed original contract bearing my signature - Billing statements or proof of payment activity - Application records or identity verification steps used to open the account You continue to report this information as verified without evidence. This is a direct violation of the following : Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 609 ( a ) ( 1 ) I have not been provided with full disclosure of the sources and documents used to verify this account.

2. Section 611 ( a ) ( 1 ) ( A ) You failed to conduct a reasonable reinvestigation of the disputed account.

3. Section 623 ( b ) ( 1 ) The furnisher of information ( Capital One ) has not responded with verification, yet the account remains.

4. Section 605B You have not blocked the reporting of inaccurate information that I have disputed in writing.

5. Section 602 Your failure to maintain fair and accurate reporting undermines the integrity of the credit reporting system.

Demand for Action : Due to the lack of documentation and failure to follow lawful dispute procedures, I am demanding the immediate deletion and permanent blocking of this account from my credit file under Section 611 and 605B of the FCRA.

If this account is not removed within 15 calendar days from receipt of this letter, I will escalate this matter with : - The Consumer Financial Protection Bureau ( CFPB ) - The Federal Trade Commission ( FTC ) - My state attorney generals office - And consider pursuing legal action for damages due to willful noncompliance with federal law.

Please be advised that I am keeping detailed records of all correspondence, and failure to respond appropriately will serve as evidence in any potential claims I pursue. 
Sincerely, XXXX XXXX Enclosed documents : 1. copy of drivers license 2. Copy of social security card 3.ftc 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 2025-07-07 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-07-07 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: AZ

Complaint narrative:
After disputing these accounts with XXXX and providing the proper documentation, they have removed these accounts. 

XXXX 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 explanation
Consumer complaint received 2025-07-07 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-07 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-07-07 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: NC

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 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 2025-07-07 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: NC

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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I have been trying to apply for a modification around XX/XX/1924 they keep asking for information that I sent several times and was stringing me along that theyre going to help me. I believe XXXX they finally came to a conclusion that I gave all the information that Ive been giving, and they denied my modification saying the principal was too high.

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

Complaint narrative:
My personal information was exposed in a data breach. These accounts do not belong to me. 

XXXX XXXX XXXX XXXX XXXX {$0.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00}, opened : XXXX XXXX XXXX XXXX XXXX XXXX, {$690.00}, opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$600.00}, opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$8200.00}, opened : XX/XX/XXXXXXXX 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 2025-07-07 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. 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 credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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 2025-07-07 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
I am a victim of identity theft and is disputing inaccurate and unverifiable information currently listed on my report. some accounts and inquiries are not mines and are under investigation please consider FCRA guidelines when reviewing my 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 2025-07-07 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:
I am a victim of identity theft and is disputing inaccurate and unverifiable information currently listed on my report. some accounts and inquiries are not mines and are under investigation please consider FCRA guidelines when reviewing my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital LLC is attempting to collect a debt without providing proper validation as required by the FDCPA. 

Details : I requested debt validation both over the phone and by email. I spoke with a representative in XXXX who refused to validate the debt, claimed they could not delete the account due to the time it was created, and instead demanded I pay {$430.00} to resolve the account. I also informed the representative that I never received any written notice of this debt in XXXX when the account was allegedly opened. 

Under the Fair Debt Collection Practices Act, they are required to send written notice and provide validation of the debt. They have not done so. 

I am requesting that Jefferson Capital : Cease all collection efforts until the debt is validated Remove the account from all credit bureaus if they can not validate it Respond only in writing via email I am filing this complaint because Jefferson Capital is in violation of my consumer rights and has failed to comply with federal law.

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

Complaint narrative:
I HAVE BEEN NEGATIVELY IMPACTED BY DATA BREACH WHICH CAUSED IDENTITY THEFT. NOW I HAVE UNAUTHORIZED AND FRAUDULENT ACCOUNTS ON MY REPORTING WHICH VIOLATES THE FCRA LAW. MY INFORMATION SHOULD ALSO BE PROTECTED AND ACCURATE AND IT IS NOT. PLEASE HELP ME REMOVE THESE ACCOUNT SO I CAN BUY A CAR FOR MY FAMILY. ATTACHED IS THE ACCOUNTS

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 2025-07-07 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: WI

Complaint narrative:
I HAVE BEEN NEGATIVELY IMPACTED BY DATA BREACH WHICH CAUSED IDENTITY THEFT. NOW I HAVE UNAUTHORIZED AND FRAUDULENT ACCOUNTS ON MY REPORTING WHICH VIOLATES THE FCRA LAW. MY INFORMATION SHOULD ALSO BE PROTECTED AND ACCURATE AND IT IS NOT. PLEASE HELP ME REMOVE THESE ACCOUNT SO I CAN BUY A CAR FOR MY FAMILY. ATTACHED IS THE ACCOUNTS

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Requested the report, full of inaccurate information. Someone stole my information and used it in another state to open bank accounts. I've only live in California and only XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Someone hacked my bank account and open accounts as well and same day my mom who had jointed account contacted XXXX XXXX XXXXXXXX and they were to do an investigation and remove things BUT nothing was done and when I reached out to the bank no one would help, visiting the branch they would not help and said I needed to call the number of the ATM card but they treated me and my mom like we created this issue and allowed the fraud and Identity theft to transpired. I only had two credit card one for an appliance and another with XXXX XXXX XXXXXXXX which was closed. I've disputed the information with the Early Warning and they removed my accessto attempt to monitor my account online. I need the information removed and updated to be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request a formal investigation into an account being reported by NCB Management Services on my credit report with a balance of {$2500.00}, last updated on XX/XX/year>XXXX according to my XXXX credit file. 
I have previously disputed this item with the credit bureaus, yet it continues to be reported inaccurately. I have not received proper validation of this debt, and under the Fair Credit Reporting Act ( FCRA ), any item that can not be properly verified must be removed.

Additionally, I believe this account may be outdated, inaccurate, or reported in a way that does not reflect its true status. This collection account is negatively affecting my credit profile and I am requesting that it be removed unless the furnisher can fully verify its accuracy with supporting documentation. 
Details of the account : * Furnisher : NCB Management Services * Amount : {$2500.00} * Reporting Agency : XXXX XXXX Last Update : XX/XX/year> Please initiate an investigation and require the furnisher to provide full documentation, or remove the account in accordance with FCRA guidelines. 
Thank you for your assistance and timely response.

Company response to consumer: Closed with explanation