vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: TX

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. 

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This account belongs to me. It was mistakenly closed. Please reopen this account and reinsert in on my credit profile immediately. I have attached supporting documents for proof of identity verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AL

Complaint narrative:
my credit report has been comprised please removed items from my 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 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally request complete and detailed information regarding a debt that appears on my credit report and/or is currently being serviced by your agency.

Account Information : Current Creditor / Debt Buyer : Jefferson Capital Systems Original Creditor : XXXX XXXX XXXX XXXX Account Number ( Last Four Digits ) : XXXX Balance Reported : {$980.00} Date Opened ( per credit report ) : XX/XX/XXXX Status : Collection Account Past Due {$980.00} as of XX/XX/XXXX Status Last Updated : XX/XX/XXXX Credit Bureau Reporting Agencies : XXXX XXXX XXXX This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including Section 609 ( a ) ( 1 ), Section 611 ( a ), and Section 611 ( a ) ( 7 ), which grants me the right to request the method of verification used to report this debt.

I am requesting the following specific information and documentation regarding this account : 1. The date of first delinquency on the original account 2. The date of the last payment made to the original creditor 3. The date the account was charged off, if applicable 4. The date the account was sold or transferred to Jefferson Capital Systems 5. The date the account was first reported to XXXX, XXXX, and XXXX 6. A copy of the original contract, agreement, or documentation bearing my signature that verifies responsibility for the debt 7. The name and contact information of the original creditor 8. A detailed explanation of the method of verification used to confirm the accuracy of this account on my credit report Please respond to this request in writing only. I do not consent to being contacted by phone or email. This request is strictly for verification and documentation purposes, and I ask that all responses be mailed to the address listed above.

If Jefferson Capital Systems is unable to provide adequate verification and documentation, I respectfully request the deletion or correction of any unverifiable information from all three credit reporting agencies in accordance with FCRA 611 ( a ).

Thank you for your time and cooperation.

Sincerely, XXXX XXXX Last 4 digits of SSN : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I am writing to dispute charged -off account on my credit report. The account is listed without accurate information which makes it impossible for me to verity Its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account. without a valid account number or accurate payment history I am unable to have confidence in the accuracy of this alleged account. Please conduct a thorough investigation to remove the account immediately. Please be advised that If I receive any Stall tactics to buy yourself time, l will be forced to escalate this with the FTC, and my states Attorney Generals office. I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being. Thank you for your immediate attention.

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 2025-07-02 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: NY

Complaint narrative:
I am writing to dispute charged -off account on my credit report. The account is listed without accurate information which makes it impossible for me to verity Its validity or confirm if it belongs to me. To assist with this matter, I ask that you also review the payment history associated with this account. without a valid account number or accurate payment history I am unable to have confidence in the accuracy of this alleged account. Please conduct a thorough investigation to remove the account immediately. Please be advised that If I receive any Stall tactics to buy yourself time, l will be forced to escalate this with the FTC, and my states Attorney Generals office. I trust you understand the seriousness of this matter, as it is directly impacting my ability to quality for credit, which is causing further damage to my financial well-being. Thank you for your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I was checking my credit report and found this that I don't recognize. 

XXXX. XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I deposited a check for {$250000.00} which I received from XXXX XXXX XXXX for business improvement and after the deposit was made, XXXX third bank said the check was a bad one, i immediately contact XXXX to know what was going on and she put me on phone with her bank and it turns out that XXXX third bank lied after XXXX XXXX and her bank contact XXXX third bank, but they still went on to close my account with no reasons or any details for my account closure. As we speak I deposited the check on XXXX in XXXX and my account was closed on XX/XX/XXXX at first I received a check for XXXX cent and XXXX weeks after I called that I have more than that in my account the mail another check for $ XXXX to me week later which I wont cash because the funds left in my account was more that the amount on the check they mailed to me. Till date XXXX  third bank wont send to me a written statement why my account was closed and also a refund for the balance in my business account to me or bank to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IL

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

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 2025-07-02 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:
Please check the information concerning EQUIFAX data breach below in attachments.

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 2025-07-02 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:
Please check the information concerning EQUIFAX data breach below in attachments.

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 2025-07-02 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., Miller v. Equifax {$18.00} million ; Thomas v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement; or Written confirmation that this account has been permanently deleted from all credit files you maintain 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 non-monetary relief
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3800.00}

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
I recently discovered several unauthorized inquiries on my credit report that I did not authorize. I respectfully request that these inquiries be removed, as the related accounts have since been closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account Information : Current Creditor / Debt Collector : Transworld Systems IncXXXX Original Creditor : Unknown at this time Account Number ( Last Four Digits ) : XXXX Balance Reported : {$320.00} Date Opened ( per credit report ) : XX/XX/XXXX Status : Collection Account Credit Bureau Reporting Agencies : XXXX XXXX XXXX  This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 609 ( a ) ( 1 ), Section 611 ( a ), and Section 611 ( a ) ( 7 ) ( method of verification ). 

I am formally requesting the following documentation and verification regarding the reporting and handling of this account : 1. The date of first delinquency on the original account 2. The date of the last payment made to the original creditor ( if applicable ) 3. The date the account was charged off by the original creditor 4. The date the account was sold, assigned, or transferred to Transworld Systems Inc 5. The date the account was first reported tXXXX XXXX XXXX XXXX XXXX  6. Copies of any original agreements or contracts that bear my signature and authorize this debt 7. The name, contact information, and account details of the original creditor 8. The method of verification used to confirm the accuracy and validity of this account as reported to the credit bureaus Please respond to this request in writing only. I do not consent to receiving phone calls or emails. This communication is for documentation and verification purposes only, and I request that all responses be mailed to the address listed above. 

If you are unable to provide complete and accurate documentation verifying the validity of this debt, I respectfully request that this account be removed or corrected from all credit reporting agencies in compliance with FCRA 611 ( a ). 

Thank you for your prompt attention and cooperation. 

Sincerely, XXXX XXXX Last XXXX digits of XXXX : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
I am writing to formally request that you block the reporting of information on my credit file that I believe resulted from identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c2 ]. i have filed an FTC report which is atttached on this complaint. I will continue to purse this issue until the credit reporting agency blocks all identity theft items listed on the attached documents.

Since XXXX i have been a victim of identity theft. After reviewing my credit report I've realized a ton of items that are fraud. I've reached out to all three credit reporting agencies but all they have done is verified all the information as correct.

Please see document attached for more details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
I am writing to formally request that you block the reporting of information on my credit file that I believe resulted from identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c2 ]. i have filed an FTC report which is atttached on this complaint. I will continue to purse this issue until the credit reporting agency blocks all identity theft items listed on the attached documents.

Since XXXX i have been a victim of identity theft. After reviewing my credit report I've realized a ton of items that are fraud. I've reached out to all three credit reporting agencies but all they have done is verified all the information as correct.

Please see document attached for more details.

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
This card was opened without my consent I contacted the surge card customer service to which they advised me to email my documents to them, upon checking my email they gave me a fake email that returned my email back to me saying undeliverable

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 2025-07-02 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: MA

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 explanation