vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Complaint to the CFPB Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX, XXXX, TX XXXX Complaint Summary I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX XXXX and its failure to properly verify an account after receiving my certified written dispute. Despite reporting an active balance, the company responded in writing that it can not locate the account in its system, yet the account remains on my credit reports. I am requesting removal of this account. 

Detailed Statement On XX/XX/year>, I sent XXXX XXXX XXXX a certified letter disputing an account they are reporting on my credit file. I requested verification and documentation under the Fair Credit Reporting Act ( FCRA ). 

In response, XXXX XXXX XXXX sent me a letter stating that they can not find or locate the account in their records. This response confirms that XXXX XXXX XXXX does not have the ability to verify the accuracy, balance, or status of the account they are furnishing to the credit bureaus.

Despite admitting that they can not locate the account, the account continues to be reported with a balance of {$10000.00}. 

Violations and Legal Concerns I believe XXXX XXXX XXXX is in violation of federal law, including : FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not provide information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

FCRA 15 U.S.C. 1681s-2 ( b ) Upon receiving a dispute, a furnisher must conduct a reasonable investigation and must correct or delete information that can not be verified. 

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Information that is inaccurate or can not be verified must be deleted.

12 C.F.R. 1022.43 ( a ) ( 2 ) Requires investigation of disputes related to account terms, balances, and payment status. 

Continuing to report an account while simultaneously stating it can not be located demonstrates that no reasonable investigation could have been performed and that the information is 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 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had a Cash App account that was fraudulently hacked by scammers while I slept and Cash App refused to refund me my money I dont know these people or ever had any interaction with them. They keep saying it was my device but have yet to send me the investigation report used one filed a claim and an appeal with no resolution they keep denying my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have been a victim of identity fraud. Someone has accrued multiple debts and collections using my personal information without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this formal complaint regarding a debt allegedly owed to JEFFERSON CAPITAL SYST. I initially filed a complaint with the CFPB on XX/XX/year>. The company responded claiming the debt was verified. I also sent a letter on XX/XX/year> requesting JEFFERSON CAPITAL SYST to send verification of debt. I have never received a response or any of the documentation required by law to substantiate this debt. Despite multiple requests, JEFFERSON CAPITAL SYST has failed to provide the following essential documents : 1. A copy of the original signed agreement or contract bearing my signature. 2. Proof that JEFFERSON CAPITAL SYST has the legal right to collect on this account ( e.g., assignment or purchase agreement ). 3. A complete payment and account history showing how the alleged balance of {$1000.00} was calculated. 4. The name and address of the original creditor ( XXXX  ). Their failure to provide these documents is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and applicable credit reporting laws. Verification of the debt without providing supporting documentation is inadequate and legally insufficient. I am now formally demanding that the CFPB take action to : JEFFERSON CAPITAL SYST, to provide copies of all requested documents immediately. Ensure that any unverifiable or inaccurate reporting is removed from my credit report without delay. Provide written confirmation of the CFPBs investigation and the steps taken to resolve this matter. This continued failure to provide documentation is unacceptable and causing significant harm to my creditworthiness. I expect prompt and decisive action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: VA

Complaint narrative:
I have been a victim of identity fraud. Someone has used my information and has accrued debts and collections using my information without my authorization. I've contacted the authorities. Please remove the fraudulent accounts from my name.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am the victim of identity theft and upon checking my credit I noticed a account from this company that is reflecting derogatory on my report that seems to lead back to a fraudulent account I disputed and had blocked and deleted to to identity theft. This seems to be a ongoing thing with this company because this is my second time addressing them about doing this for other fraudulent accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
This is a formal FCRA complaint regarding inaccurate, incomplete, and unverifiable information being reported by Equifax, violating Sections 602, 609, and 611, as well as XXXX XXXX reporting standards. Equifax has an obligation to maintain accurate, verifiable data and delete unverifiable items under Section 611. Additionally, XXXX 2017 data breach calls into question the reliability of its consumer data. I demand a full investigation and deletion of unverifiable items within XXXX ( XXXX ) days. 
XXXX. I was never late on the payment and here i can see 30 days late payment being reported. 
XXXX Account Number : XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX  XXXX Account Number : XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX Account Number : XXXX Please correct/update this account from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX Account XXXX : XXXX Please correct/update this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
ChexSystems is reporting and/or using inquiry-only data from XXXX XXXX XXXX XXXX to deny me access to banking services. 

XXXX XXXX XXXX XXXX has confirmed in writing that : No account was ever opened under my name No financial obligation exists No loss, fraud, or tradeline exists Only application inquiries were made Despite the absence of any account or negative banking activity, ChexSystems continues to report or rely on inquiry-only data for adverse decisions. 

Inquiry-only data is not a tradeline, does not establish risk or liability, and its continued use in adverse banking decisions is inaccurate, misleading, and disproportionate under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that ChexSystems : 1 ) Delete all FourLeaf-related inquiry data from my consumer file, OR 2 ) Provide the legal basis and documentation allowing inquiry-only data ( without any account ) to be used to deny banking access. 

If ChexSystems can not fully validate this information, it must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NJ

Complaint narrative:
XXXX denied my written request once again to change my loan information, which has been incorrect since XX/XX/year>. 6 years, I have been fighting with XXXX to remove this incorrect information because it is hurting my credit. The representative at XXXX told me that my last class was XX/XX/year>. I received my forbearance in XXXX, XXXX. They are suppose to give you a 6 month grace period before they can collect on the loans. 6 months from XX/XX/year> would be XX/XX/year>. I received my forbearance in XXXX. They reported me 90 DAYS LATE in XXXX. That means that I have been late for XXXX billing cycles which would have put my account delinquent in XXXX, which would be roughly 2 months after my last day of class not XXXX! '' This dispute has been going on for years and I am trying to purchase a vehicld but I keep getting high interest rates because of the reporting. XXXX not only violates the FCRA but the NJ Fair Credit Reporting Act. Violations listed as follows FCRA 1681s-2 ( a ) Reporting a 90-day late status before the 6-month grace period expired. 
FCRA 1681s-2 ( b ) Failing to conduct a " reasonable investigation '' after your written dispute.

NJSA 56:11-33 Violation of the NJ state-level requirement for reporting accuracy. 
NJSA 17:16ZZ-2 Engaging in deceptive servicing practices ( reporting false dates ).

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 2025-12-18 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: TN

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

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 2025-12-18 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
XXXXXXXX XXXX XXXX is a company that is in my inquiries and I or no one I gave permission to applied to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
The account shown is wrongly attributed to me and must be corrected.

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 2025-12-18 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion that have caused significant confusion and potential harm to my creditworthiness. Across all three bureaus, my name appears in numerous incorrect variations, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while my addresses are inconsistently reported as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX, GA XXXX, creating misleading information and violating FCRA obligations for accurate reporting. Several accounts, including XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ), show conflicting balances, last activity dates, and reporting dates across bureaus, and XXXX XXXX XXXX  accounts appear with inconsistent reporting dates on TransUnion, indicating duplicate or outdated information. These inaccuracies violate FCRA Sections 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( b ), as well as permissible inquiry requirements under 604 ( a ). I have attempted to resolve these directly with each bureau, but the errors remain, and I am now requesting CFPB assistance to ensure the bureaus properly investigate, correct, or delete all inaccurate, outdated, or unverifiable information, including all incorrect names, addresses, account details, and inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion that have caused significant confusion and potential harm to my creditworthiness. Across all three bureaus, my name appears in numerous incorrect variations, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while my addresses are inconsistently reported as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX, GA XXXX, creating misleading information and violating FCRA obligations for accurate reporting. Several accounts, including XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ), show conflicting balances, last activity dates, and reporting dates across bureaus, and XXXX XXXX XXXX  accounts appear with inconsistent reporting dates on TransUnion, indicating duplicate or outdated information. These inaccuracies violate FCRA Sections 605 ( a ), 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( b ), as well as permissible inquiry requirements under 604 ( a ). I have attempted to resolve these directly with each bureau, but the errors remain, and I am now requesting CFPB assistance to ensure the bureaus properly investigate, correct, or delete all inaccurate, outdated, or unverifiable information, including all incorrect names, addresses, account details, and inquiries.

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 2025-12-18 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: WA

Complaint narrative:
I am filing this complaint against Experian Information XXXX XXXX for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to identity theft. 
Despite submitting a valid FTC Identity Theft Report and supporting documentation, Experian continues to report multiple fraudulent accounts on my credit file and has failed to comply with its legal obligation to block and delete identity theftrelated information. I first notified Experian of this identity theft dispute on XX/XX/year>, and followed up again on XX/XX/year>. 
However, Experian has neither permanently blocked nor deleted the fraudulent accounts listed below, nor has it provided proper verification as required by federal law : XXXX XXXX  XXXX, XXXX XXXX  XXXX.... 
XXXX actions constitute violations of the FCRA, including 1681c-2 for refusing to block identity theftrelated information after receiving an FTC Identity Theft Report, 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ) for continuing to report or reinserting disputed information without proper notice or lawful verification. Experian appears to rely on automated or superficial dispute handling rather than the meaningful investigation required by 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 2025-12-18 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-18 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 a victim of identity theft. My personal information was used without my knowledge or authorization to fraudulently open an auto loan with XXXX XXXX XXXX XXXX and a personal loan with XXXX. I did not apply for, consent to, or benefit from these accounts. I have reported this matter to local law enforcement and have initiated a formal police report regarding the fraudulent activity.

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 2025-12-18 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: TX

Complaint narrative:
I am a victim of identity theft. My personal information was used without my knowledge or authorization to fraudulently open an auto loan with XXXX XXXX XXXX XXXX and a personal loan with XXXX. I did not apply for, consent to, or benefit from these accounts. I have reported this matter to local law enforcement and have initiated a formal police report regarding the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: KS

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation