vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} XXXXXXXX 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 2025-07-18 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy or the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX {$460.00} Account info Account number : XXXX Open/closed : Open Date opened : XXXXXXXX XXXX XXXX XXXX XXXX {$290.00} Account info Account number : XXXX Open/closed : Open Date opened : XX/XX/XXXXXXXX XXXX {$0.00} Account info Account number : XXXX Open/closed : Open Date opened : XX/XX/XXXX XXXX {$0.00} Account info Account number : XXXX Open/closed : Open Date opened : XX/XX/XXXX XXXX XXXX XXXX {$7.00} Account info Account number : XXXX XXXX XXXX Open Date opened : XX/XX/XXXX XXXX XXXX {$180.00} Account info Account number : XXXX Open/closed : Open Date opened : XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$430.00} Account info Account number : XXXX Date opened : XX/XX/XXXX Account type : Debt Buyer XXXX XXXX XXXX Original creditor : 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

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 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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

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 2025-07-18 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: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally dispute the alleged debt listed above, which Jefferson Capital Systems , LLC claims is tied to a XXXX account. I deny any responsibility for this debt and demand full validation and verification in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Accounts Receivable Consultants Inc.
State: OR

Complaint narrative:
Accounts receivable sending to court. Have not received paperwork or how to contact company to make payment arrangment. No bill or anything

Company response to consumer: Untimely response
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX  l went to court with XXXX XXXX XXXX and the case was dismissed by their attorney and Jefferson Capital Syst is reporting this debt of {$5800.00} past due as of XX/XX/XXXX. This is in violation of USC 1681s-2 for all of the inaccuracies and no debt validation due to dismissed by attorney .. This is being inaccurately reported on XXXX  Credit report. This has been disputed on CFPB before and XXXX  did not update it correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
XXXX"I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below: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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
XXXX"I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below: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

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
Caine & Weiner To Whom It May Concern : Subject : Formal Dispute of Alleged Debt - Demand for Validation and Removal Legal Reference : 15 USC 1692c, 1692g, and 15 USC 1681c-2 This letter is being sent to formally dispute the validity of the debt your agency claims I owe and is reporting to consumer credit bureaus. The debt in question is listed under your agency 's name : - Caine & Weiner - Balance : {$320.00} - Reported : XX/XX/XXXX - Opened : XX/XX/XXXX This notice is being sent in accordance with 15 USC 1692g ( a ) and 15 USC 1681c-2 ( a ). I hereby request : 1. Validation of the debt, including the name and address of the original creditor.

2. A copy of the original signed agreement.

3. Documentation that proves you are legally authorized to collect this debt.

4. Immediate removal of any unverifiable or inaccurate reporting from all consumer reporting agencies. 
Additionally, I revoke any consent to contact me via phone per 15 USC 1692c. All communication must be in writing only.

Failure to provide the required verification within 30 days will be interpreted as a willful violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I will pursue all available legal remedies including formal complaints with the CFPB, FTC, and the Attorney General, and may initiate civil proceedings if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
This complaint is against Credit Systems International , Inc. ( CSI ) regarding their collection and reporting of an alleged debt of {$180.00} originating from XXXX XXXX XXXX, associated with Account # XXXX. 

XXXX XXXX XXXX has reported and attempted to collect on this alleged debt without providing proper validation or verification as required by federal law. I have never received a detailed itemization of the alleged amount, a copy of any original contract, or any evidence linking me to the obligation. This is a direct violation of multiple federal statutes and raises serious legal and regulatory concerns.

Violations Cited : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : CSI failed to provide proper validation of the alleged debt after my timely written request. Under federal law, they are prohibited from continuing collection activity without first validating the debt.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : CSI furnished information to the credit bureaus regarding this alleged debt without conducting a reasonable investigation after being notified of a dispute. This constitutes a willful failure to comply with duties imposed on furnishers of information.

Violation of 18 U.S.C. 8 Obligation or Other Security of the United States : The act of fabricating or collecting on an unverified or non-existent debt that has no legal or contractual foundation, and reporting it as a consumer financial obligation, amounts to misrepresentation and potentially implicates federal fraud statutes under 18 U.S.C. 8, particularly if any part of the process involves federal agencies or the U.S. mail.

Harms Suffered : Due to this unsubstantiated collection and reporting, my credit report has been negatively affected. I have suffered : Denials of credit and housing Emotional distress and reputational damage Financial harm due to inflated interest rates and diminished creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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. 

FRAUDULENT ACCOUNTS : Account 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 Experian

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 2025-07-18 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: Westlake Services, LLC
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2.

Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 1
2 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
In XX/XX/year>, I disputed a collection from Jefferson Capital listed on my credit report. I requested full validation of the debt, including proof of ownership, the original signed agreement, and a breakdown of the amount owed. Despite this, Jefferson Capital did not provide the requested documents or validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead, they simply marked the item as verified without providing any supporting evidence. I never received proper written notification, nor did I authorize this company to report or collect on my credit profile. I believe this debt is being reported inaccurately and without proper validation or permission, and I am requesting immediate investigation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
FORMAL CFPB COMPLAINT AGAINST NAVY FEDERAL CREDIT UNION Your Name : [ XXXX XXXX ] Contact : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ] Subject : Wrongful Account Closure After Receiving Legitimate Payments from XXXX XXXX XXXX XXXX I. Summary Navy Federal Credit Union ( NFCU ) wrongfully closed my account after I received XXXX legitimate XXXX payments from XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. Despite providing verifiable transaction details, NFCU ignored evidence and terminated my membership. I demand immediate reinstatement. 

II. Corrected Transactions : | XXXX XXXX XXXX XXXX XXXX XXXX  | {$65.00} | # XXXX | XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * | {$160.00} | # XXXX XXXX XXXX XXXX XXXX Purpose : - Funds were payment for services my cousin rendered to XXXXXXXX XXXX XXXX XXXX in a private arrangement. 
- I acted solely as the payee with no involvement in the business dispute.

III. Key Facts 1. NFCU closed my account solely because XXXX XXXX XXXX XXXX disputed their own payments *. 
2. I provided transaction confirmation numbers proving legitimacy.

3. NFCU failed to : - Investigate my role as an innocent recipient- Distinguish between business disputes and consumer fraud - Follow Reg E requirements for investigation timelines IV. Harm Caused - Loss of primary banking relationship - Unjust fraud classification - Financial disruption ( e.g., delayed bill payments ) V. Attestation I declare under penalty of perjury that this information is true. 

Signed, [ XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Lentegrity Management, LLC
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : 1. Provide a detailed account of the data that was compromised ; 2.

Disclose the date and method by which the breach occurred ; 3. Explain the steps your organization is taking to remediate the situation ; 4. Provide documentation of your compliance with data protection laws ; 5. Correct any errors on my credit file caused by this breach ; 6. Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action. Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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