vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy CourtXXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " U.S. Bankruptcy CourtXXXX - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am formally disputing a collection account being reported by CREDIT COLL, Account number XXXX, with the original creditor listed as XXXX XXXX XXXX XXXX XXXX. I do not recognize this debt, and I was never notified about it prior to discovering it on my credit reports. I have never received a validation notice, any explanation of the alleged balance, an itemized breakdown, or any proof that CREDIT COLL has the legal authority to collect this debt. 
This lack of communication and documentation violates Regulation F of the Fair Debt Collection Practices Act ( FDCPA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), which requires a complete validation notice including the name of the original creditor and a detailed breakdown of the balance. Furthermore, reporting this debt to the credit bureaus without first notifying me of my right to dispute it violates 15 U.S.C. section 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Providing this information to credit reporting agencies without proper verification and my consent also violates 15 U.S.C. section 1681e ( b ), which mandates accuracy, and 1681b, which governs permissible purposes for accessing or furnishing consumer information. I am requesting that CREDIT COLL immediately provide all of the following : a complete and legally compliant validation notice, a copy of any signed agreement bearing my signature, a full breakdown of the balance allegedly owed, and documentation proving their legal right to collect on behalf of XXXX XXXX XXXX XXXX XXXX. The accounts must be permanently deleted from all consumer reporting agencies. 
Reporting unverifiable and unauthorized information is not only harmful and unfair, it is also illegal under federal law. I respectfully request that the CFPB investigate this matter and ensure CREDIT COLL is held accountable for full compliance with all applicable laws. I also request written confirmation of the investigation outcome and any corrective actions taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a victim of Identity theft, accounts have been made and opened using my personal information without my knowledge or authorization. I did NOT apply for or approve these accounts, and I am not responsible for any debts, charges or obligations connected to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
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 four 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 : INQUIRIES : FUNDINGSTE Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 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 2025-09-23 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: NC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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, 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 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 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I received a collection notice from National Credit Systems claiming I owed {$2300.00} a collection account ending in XXXX. The debt being reported is incorrect because it is linked to the wrong apartment number. 

I do not owe this debt, and I believe the company has inaccurate information. I have not received proper validation of the account as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, they attempted to collect by phone.

I am requesting that National Credit Systems : 1. Cease all collection efforts until accurate validation is provided. 
XXXX. Correct the information to reflect that this debt does not belong to me. 
XXXX. Remove any negative reporting connected with this incorrect account. 

This is causing harm to my credit and rental history, and I want it corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report includes a bankruptcy entry that I believe is inaccurate or can not be verified. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate credit report. I am requesting a review of this bankruptcy record, and if it can not be substantiated, I ask that it be 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Speedy cash collected the debt I owed for my loan while simultaneously selling off my debt to a third party collection agency on the same day without ever notifying me of any of the transactions that were occurring. After I called speedy cash to get a resolution all the representative was willing to do was provide a number for the debt collection agency. But still continued saying that there was nothing they could do and that I wasnt allowed access to my speedy cash account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
This complaint is not a misunderstanding. My credit report contains clear inaccuracies that are not being reported with the highest standard of accuracy required. These errors continue to weigh heavily on me, causing ongoing harm and unnecessary stress during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: WA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX 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 FICO 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, as proof from the US 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 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 2025-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Some fake account with the name XXXX XXXX attempted to add me on XXXX  then evidently sent me money on XXXX, then XXXX  suspended my account claiming I had violated their terms of service. I've tried to reach out several times to get an update about when they'll resolve the issue. They have kept my account frozen, which put put my work week XXXX almost 3 days behind so far. They have absolutely no human to connect with and resolve the issue. I wrote them explaining " Hello, I am writing regarding the recent freeze on my XXXX  account. I was informed by your support team that the freeze occurred after a user named XXXX XXXX sent me money. I want to make it absolutely clear that I did not request, solicit, or authorize this payment in any way. 

It is deeply concerning that my account has been restricted due to a transaction initiated by another user one I have no connection with. Freezing my access and penalizing me for a suspicious payment I did not initiate raises serious concerns about XXXX XXXX handling of fraud and user protection. 

I am requesting : 1. A detailed explanation of the reason for the freeze, including what specific policy or risk this situation triggered.

2. Immediate reinstatement of my account access.

3. Clarification on how I can prevent fraudulent users from affecting my account in the future. 



This situation undermines my confidence in using XXXX, especially when bad actors are apparently able to exploit the platform and harm legitimate users in the process. I hope you will address this with urgency and transparency.

Please respond promptly with the steps needed to resolve this issue.

Thank you '' and haven't heard anything besides " our specialist team will reach out via email within 3 to 5 business days '' Im contemplating suing XXXX  due to their absolute lack of communication and holding my funds ransom due to their poor security allowing skatchy hacker type of people like this " XXXX XXXX '' to use their platform then screw with my life and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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

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 2025-09-23 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: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/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 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This letter is a formal dispute of an account that has been wrongly reported under my credit file. I did not authorize, open, or use this account, and its inclusion is fraudulent and inaccurate. This error is severely harmful to my credit profile and must be corrected immediately.

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 2025-09-23 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:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX  ( Original XXXXXXXX XXXX XXXX  ) : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX ( Original XXXXXXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX / XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX  | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX XXXX  ( Original XXXXXXXX XXXX XXXX  ) : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX ( Original XXXXXXXX XXXX ) : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX ( Original XXXX XXXX  ) : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX  : Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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