vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
I am writing to formally dispute and demand the immediate investigation and removal of multiple fraudulent and unauthorized accounts and hard inquiries that appear on my TransUnion credit report. I am a victim of identity theft, and the following items were not opened, authorized, or initiated by me in any way. 

Below are the details of the fraudulent accounts currently listed on my credit file : Fraudulent Accounts XXXX. XXXX  Closed on XX/XX/XXXX XXXX. XXXX XXXX Closed on XX/XX/XXXX XXXX. XXXX XXXX Closed on XX/XX/XXXX Fraudulent Hard Inquiries XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX  ) XX/XX/XXXX XXXX. XXXX ( XXXX  ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX  ) XX/XX/XXXX XXXX. XXXX  XXXX ( XXXX  ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX These accounts and inquiries were not authorized by me and were made without my knowledge or consent. They are the result of identity theft and therefore are inaccurate, misleading, and damaging to my credit profile. 



Regarding the XXXX XXXX Account I previously disputed the XXXX XXXX account with TransUnion, and in that dispute I specifically requested all documents and records used to verify the account as allowed under the Fair Credit Reporting Act ( FCRA ). However, TransUnion failed to complete a proper legal investigation and did not provide the requested verification documentation. Instead, I received only a notice stating the account was verified, with no evidence or documentation supporting that claim. 

Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ), I am legally entitled to view and receive copies of all documents, records, or communications that were relied upon in the verification process. TransUnions failure to provide those materials constitutes noncompliance 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I submitted a written request for validation of an alleged debt that National Credit Systems , Inc. ( NCS ) claims to be collecting on behalf of XXXX XXXX. NCS  failed to comply with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I did not receive any documentation directly from NCS after my written request. They only responded after I filed this CFPB complaintand even then, they sent documents to the CFPB, not to me, the consumer. 

This refusal to provide verification directly to me and their delay in responding constitute a violation of 809 ( b ) of the FDCPA. If NCS has reported this account to any credit bureaus, doing so without proper validation also violates the Fair Credit Reporting Act ( FCRA 1681s-2 ( b ) ).

I am requesting that the CFPB require NCS to : Mail full validation of the debt directly to me ; Cease all collection and communication until they do so ; and Immediately delete the tradeline from all credit bureaus because the account was reported and maintained in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-14 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX, NY ] [ XXXX XXXX ] [ XXXX ] Date : [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Cease and Desist Request Regarding Alleged Debt Account Number : [ XXXX ] To Whom It May Concern, I am writing to notify you under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that I demand you immediately cease and desist all communication with me regarding the above-referenced alleged debt.

This includes, but is not limited to, telephone calls, letters, emails, or any other form of contact. If you believe I owe this alleged debt, you may only contact me to confirm that you will cease communication or to notify me of any specific legal action you intend to take, as permitted under federal law. 



Be advised that any further attempts to contact me outside of these limited circumstances will be considered a violation of federal law, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 



Please also note that I dispute the validity of this alleged debt. I request that you cease any and all collection efforts until proper validation of the debt has been provided in compliance with 15 U.S.C. 1692g ( b ). 



Thank you for your prompt attention to this matter. Please confirm in writing that you have received this notice and that you will comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-14 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-14 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Equifax. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report.

If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Equifax to maintain a credit report on my behalf. 
Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime. 
The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection. 
The following unauthorized items need to be deleted from my file immediately 1. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
PLEASE REMOVE ALL THE ACCOUNTS LISTED IN MY FTC REPORT I HAVE ALSO ATTATCHED ARBITRATION LAWSUIT IF MATTERS DONT GET RESOLVED I HAVE TOLD YOU NUMEROUS TIMES MY INFO WAS EXPOSED IN DATA BREACH AND IS FRAUD AND YET YOU CONTINUE TO REPORT FRAUD INFO I DEMAND THIS INFO BE BLOCKED FROM ANY FUTURE REPORTING AND REMOVED FOREVER. I HAVE ALSO CONTACTED THE COMPTROLLER OFFICE, CFPB AND ATTORNEY GENERAL MADE THEM AWARE OF THIS NON-SENSE REMOVE IMMEDIATELY ARE RESPOND TO ARBITRATION LAWSUIT THAT I WILL MOVE FORWARD WITH. THIS IS MY XXXX XXXX TIME TELLING YOU GUYS THESE ARE FRAUD. NOT TO MENTION THE INNACURACY I HAVE UPLOADED A COPY OF MY CREDIT REPORT ALL INACURIES FROM XXXX THE BOARD. PLEASE REMOVE ALL INACCURIES, WRONG OPEN DATES, AMOUNTS AND CHARGES ALL INFO SHOULD BE REPORTED ACCURATE XXXX  ALL XXXX XXXX REPORTING AGENCIES.

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 2025-10-14 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: NV

Complaint narrative:
PLEASE REMOVE ALL THE ACCOUNTS LISTED IN MY FTC REPORT I HAVE ALSO ATTATCHED ARBITRATION LAWSUIT IF MATTERS DONT GET RESOLVED I HAVE TOLD YOU NUMEROUS TIMES MY INFO WAS EXPOSED IN DATA BREACH AND IS FRAUD AND YET YOU CONTINUE TO REPORT FRAUD INFO I DEMAND THIS INFO BE BLOCKED FROM ANY FUTURE REPORTING AND REMOVED FOREVER. I HAVE ALSO CONTACTED THE COMPTROLLER OFFICE, CFPB AND ATTORNEY GENERAL MADE THEM AWARE OF THIS NON-SENSE REMOVE IMMEDIATELY ARE RESPOND TO ARBITRATION LAWSUIT THAT I WILL MOVE FORWARD WITH. THIS IS MY XXXX XXXX TIME TELLING YOU GUYS THESE ARE FRAUD. NOT TO MENTION THE INNACURACY I HAVE UPLOADED A COPY OF MY CREDIT REPORT ALL INACURIES FROM XXXX THE BOARD. PLEASE REMOVE ALL INACCURIES, WRONG OPEN DATES, AMOUNTS AND CHARGES ALL INFO SHOULD BE REPORTED ACCURATE XXXX  ALL XXXX XXXX REPORTING AGENCIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: AZ

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$520.00} XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$540.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$470.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$870.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$840.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1800.00} INQUIRIES : XXXX XXXX XX/XX/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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year> - {$1400.00}

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 explanation
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverifiable information being reported by XXXX XXXX XXXX on my credit reports maintained by TransUnion and Equifax. 

On XX/XX/XXXX, I sent both credit bureaus a formal written dispute under the Fair Credit Reporting Act ( FCRA ), specifically citing sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ). My dispute concerned a XXXX XXXX XXXXXXXX revolving credit card account that was reported as Closed / Charged Off with a balance of {$860.00}, opened in XX/XX/XXXX. 

My dispute letter identified multiple issues : 1. Balance Accuracy The reported balance may not reflect legitimate, verified charges or payments. 
2. Date Inconsistencies The dates reported ( opened, closed, and last activity ) differ across bureaus, violating Metro 2 uniform reporting standards.

3. Charge-Off Reporting The same account is marked as both Closed and Charged Off, suggesting possible duplicate derogatory reporting.

4. Incomplete Verification Neither bureau has provided documentation showing the account was verified in accordance with FCRA 611 ( a ).

5. Failure to Update The furnisher ( XXXX XXXX XXXX ) may be continuing to report inaccurate or incomplete information after the accounts closure, which would violate FCRA 623 ( a ) ( 1 ) ( A ).

Despite this detailed written dispute, the bureaus have not provided sufficient evidence or verification documents to substantiate the continued reporting of this account. As a result, inaccurate and potentially misleading information remains on my credit file.

Company response to consumer: Closed with non-monetary relief