vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal 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 2025-12-15 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: FL

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

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 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IA

Complaint narrative:
This complaint concerns Jefferson Capital Systems , LLC, a third-party debt collection agency, regarding its reporting and attempted collection of an alleged debt it claims is owed to XXXX XXXX XXXX XXXX amount of {$340.00} ( alleged account ending XXXX ). 

On XX/XX/year>, I sent Jefferson Capital Systems a written dispute, debt validation request, and cease-and-desist notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and 1692c ( c ). This letter disputed the alleged debt in its entirety and requested full legal validation, including proof of ownership, a signed consumer agreement, and an itemized accounting. 

According to the XXXX XXXX XXXX XXXX this letter was delivered on XX/XX/year>, at XXXX XXXX, and was left with an individual at Jefferson Capital Systems address in XXXX, Minnesota ( XXXX ). 

As of the date of this complaint, Jefferson Capital Systems has not provided any validation whatsoever. No signed contract, no chain of assignment, no itemized accounting, and no evidence of lawful authority to collect or report this alleged debt has been produced. 

Despite receipt of a timely dispute and cease-and-desist notice, Jefferson Capital Systems has failed to demonstrate compliance with federal law. Furnishing or continuing to furnish information to consumer reporting agencies without first validating a disputed debt violates multiple provisions of law, including : FDCPA 1692g ( b ) failure to cease collection activity until verification is provided FDCPA 1692e misrepresentation of the legal status or enforceability of an alleged debt FDCPA 1692f unfair or unconscionable collection practices FCRA 623 ( a ) ( 3 ) furnishing or verifying disputed information without conducting a reasonable investigation CFPB Regulation F failure to comply with required dispute-handling procedures Jefferson Capital Systems was explicitly instructed to cease all collection and communication unless and until lawful validation was provided. The continued existence or verification of this tradeline without validation is improper, misleading, and harmful to my credit profile. 

I am filing this complaint to request CFPB intervention to require Jefferson Capital Systems , LLC to comply with federal law by ceasing all collection activity, deleting any related credit reporting, and confirming that the alleged account has been closed and will not be sold, transferred, or re-reported. I further request that the CFPB take any supervisory or enforcement action it deems appropriate to prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: NY

Complaint narrative:
Sold and closed on home XX/XX/25 and deposited Bank check Into newly Opened money market account Key bank recommended to me. The deposited check is a local bank check from closing on my house at XXXX XXXX XXXX XXXXXXXX XXXX ny. The closing took place on Friday in XXXX and the check was deposited to the XXXX XXXX branch. Told it needed to go through overnight processing but would be available next day. The {$100.00} made available on the XXXX check was transferred to another account and the next day a 12 day hold was placed in the check and my account was charged a {$20.00} fee. My branch and customer service told me a manager at the XXXX XXXX branch where the check was deposited could remove the hold. I planned on leaving over half in new account but need funds to make the deal for new home Tomorrow. They have been unable to help or not available at the XXXX XXXX branch. Im being told conflicting information. I understand overnight deposits are important to the bank making profit but this is causing me undue financial stress. Please remove hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-15 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: MS

Complaint narrative:
I checked my credit report after being denied for a car loan. I noticed many accounts on there that were not mine and i didnt apply for

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 2025-12-15 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : No disputed charged-off accounts for Equifax. 

Inquiries : XXXX  Date : XX/XX/scrub>XXXX XXXXXXXX Date : XX/XX/year> Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: FL

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of certain items listed on my credit report under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq. As a victim of the XXXX data breach, in which my sensitive personal and financial information was unlawfully accessed and compromised, Idemand the immediate investigation and deletion of the following fraudulent accounts from my credit profile : Accounts : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$850.00} Inquiries : Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX  Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : 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 non-monetary relief
Consumer complaint received 2025-12-15 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: AZ

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-15 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: AZ

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : [ Insert Date ] TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  Re : Demand for Description of Reinvestigation Procedure ( Method of Verification ) File Number : XXXX Date Issued : XX/XX/XXXX To Whom It May Concern, I am in receipt of your correspondence dated XX/XX/XXXX, in which TransUnion states that certain disputed accounts were previously verified and that no reinvestigation would be conducted absent additional information. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 15 U.S.C. 1681i ( a ) ( 7 ), this letter constitutes a formal demand for a complete and accurate description of the procedure used to determine the accuracy and completeness of the information TransUnion continues to report. 

Specifically, I demand that TransUnion provide all of the following for each account referenced in your letter, including but not limited to XXXX XXXX XXXX and XXXX Bank : 1. The name, title, and employer of each person who verified the information 2. The date ( s ) the verification was conducted 3. The method of communication used ( e.g., e-OSCAR, telephone, written correspondence ) 4. The specific database ( s ), system ( s ), or records relied upon 5. Whether original account-level documentation was reviewed ( not summaries or automated responses ) 6. A description of how TransUnion determined the information met the maximum possible accuracy standard under 15 U.S.C. 1681e ( b ) Please note : A vague or boilerplate response referencing electronic verification or furnisher confirmation does not satisfy the statute and will be treated as non-compliance. 

The Fair Credit Reporting Act requires that this information be provided within 15 days of receipt of this request. Failure to do so will constitute a willful violation of federal law and will be documented accordingly. 

This letter is sent without waiver of any rights, and I expressly reserve all rights and remedies available under federal and state law. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-15 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:
These accounts are being listed on my credit report under my name without my permission or knowledge, and I have never authorized or handled them. This is entirely unacceptable, as it introduces inaccurate and misleading details into my financial history. I place great importance on my credit profile, and the presence of these unauthorized accounts has caused me considerable distress. I require immediate clarification regarding why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-15 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: VA

Complaint narrative:
I am currently serving on XXXX XXXX in the United States XXXX XXXX and recently discovered multiple inaccurate and adverse items reported on my credit file. These accounts were either opened or became delinquent before or during my active-duty service and were not properly adjusted in accordance with the Servicemembers Civil Relief Act ( SCRA ), specifically 50 U.S.C. 3937. Under this law, pre-service debts must be recalculated to a 6 % interest rate, and creditors are prohibited from reporting negative information or pursuing collections on unadjusted obligations. The continued reporting of these derogatory tradelines and collections is in violation of both the SCRA and the Fair Credit Reporting Act ( FCRA ).

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 2025-12-15 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 submitting this complaint to dispute inaccurate information appearing on my Experian credit report. I am a consumer actively working to improve my credit, and I request that the following items be corrected or verified in accordance with the Fair Credit Reporting Act. 

Charged-Off Accounts I dispute the following charged-off accounts due to incorrect balances, account status, and lack of proper validation : XXXX XXXXXXXX XXXX  Acct XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX Acct # XXXX, Opened : XX/XX/XXXXXXXX Balance : {$0.00} XXXX XXXX Acct # XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX Acct # XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} These accounts require validation or should be removed if they can not be verified. 

Inquiries I dispute the following inquiries as unauthorized or lacking proof of consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please provide authorization for these inquiries or delete them from my report. 

Late Payments I dispute the late payment on the following account : XXXX XXXX Acct # XXXX This payment history is inaccurate and should be reviewed for correction.

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 2025-12-15 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: PA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-12-15 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: PA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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