vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: NY

Complaint narrative:
My account with XXXX, XXXX CARD, XXXX, XXXX XXXX, AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX CARD, XXXX, XXXX XXXX, AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-09-06 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: NY

Complaint narrative:
I am extremely frustrated because I found an unauthorized inquiry on my credit report today, and I have no idea why it appeared. I checked carefully, refreshed my browser, and it still shows. This needs to be fixed immediately, and I want the documents I provided to be reviewed thoroughly so I never have to deal with this problem again.

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 2025-09-06 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I have fraudulent accounts on my report, they are hurting my ability to obtain credit.

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 2025-09-06 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: MS

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all XXXX reports. Id appreciate your help in getting this taken care of.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Dear RENTRECOVERYSOLUTIONS, This letter is being sent to you in response to a recent charge that was made on my credit report that I do not recognize.

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX  or XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6200.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence SPRING OAKS CAPITAL LL Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
SPRING OAKS CAPITAL LL Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also 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 seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/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 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 2025-09-06 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: WI

Complaint narrative:
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence JEFFERSON CAPITAL SYST Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing multiple inaccurate and unverifiable items on my credit report under the Fair Credit Reporting Act ( FCRA ) Sections 601, 602, 607, 609, and 611. I request a thorough reinvestigation of all listed items, and correction or deletion of any information found to be inaccurate or unverifiable. These items are harming my creditworthiness and misrepresenting my financial history. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not associated with me. FCRA Section 611 ( a ) ( 1 ) ( A ) requires that credit bureaus maintain accurate information. Its inclusion misrepresents my residence history, potentially impacting lenders assessment of my creditworthiness and causing wrongful inquiries and correspondence. 
Account : XXXX XXXX, High Credit : {$310.00}, Date Opened : XX/XX/XXXX, Charge Off This account is inaccurately reported as a charge-off. Under FCRA Sections 609 ( a ) ( 1 ) and 611 ( a ), I am entitled to verification of the debt. Reporting this item incorrectly misrepresents my payment history and negatively impacts my credit score. 
Account : XXXXXXXX XXXX XXXXXXXX, High Credit : {$5400.00}, Date Opened : XX/XX/XXXX, Charge Off This account is misreported and unverifiable. Section 611 ( a ) mandates removal of unverifiable accounts. Its reporting falsely signals delinquency and misleads lenders about my creditworthiness. 
Account : XXXX XXXX XXXX, High Credit : {$3300.00}, Date Opened : XX/XX/XXXX, Charge Off This account is inaccurate and lacks verification. FCRA Sections 609 ( a ) ( 1 ) and XXXX require deletion if unverifiable. Its inclusion harms my credit profile and financial credibility. 
Account : XXXX BANK XXXX XXXX, High Credit : {$370.00}, Date Opened : XX/XX/XXXX, Charge Off This charge-off is reported incorrectly. Section 611 requires accurate reporting and verification. Its presence falsely portrays financial mismanagement and unjustly reduces my XXXX XXXX. 
Account : XXXX XXXX XXXX XXXXXXXX, High Credit : {$1300.00}, Date Opened : XX/XX/XXXX, Collection This collection account is not mine and unverifiable. FCRA Section 611 ( a ) requires removal of unverified items. Its reporting misleads lenders and impacts my financial opportunities. 
I request immediate reinvestigation of all disputed items and removal of any unverified, inaccurate, or unverifiable information. The presence of these errors misrepresents my credit history, adversely affecting my financial standing, and I expect all necessary corrections be completed promptly as required under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: AR

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts and inquiries reported on my credit report. These include a collection account reported by XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), a charge-off account reported by XXXX XXXX XXXX and numerous credit inquiries such as those from XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, and others. I did not authorize, initiate, or benefit from any of these accounts or inquiries ( XXXX XXXX XX/XX/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. Despite disputing these items and providing evidence of identity theft, the furnishers and credit reporting agencies have failed to provide proper documentation verifying their accuracy or my authorization, in violation of the Fair Credit Reporting Act ( FCRA ) 611, 623, and 1681i. This has resulted in significant harm to my creditworthiness and caused me financial and emotional distress.

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 2025-09-06 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: AR

Complaint narrative:
I am disputing multiple inaccurate and unauthorized accounts and inquiries reported on my credit report. These include a collection account reported by XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), a charge-off account reported by XXXX XXXX XXXX and numerous credit inquiries such as those from XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, and others. I did not authorize, initiate, or benefit from any of these accounts or inquiries ( XXXX XXXX XX/XX/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. Despite disputing these items and providing evidence of identity theft, the furnishers and credit reporting agencies have failed to provide proper documentation verifying their accuracy or my authorization, in violation of the Fair Credit Reporting Act ( FCRA ) 611, 623, and 1681i. This has resulted in significant harm to my creditworthiness and caused me financial and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: DISCOVER BANK
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX ( XX/XX/year> ) Date occurred : XX/XX/year> ; discovered : XX/XX/year>. 
Affected : Approximately XXXX XXXX XXXX individuals, with extremely sensitive data exposed ( names, dates of birth, Social Security numbers, addresses, emails, phone numbers, and even support ticket information ). 
Cause : The breach involved an unauthorized access via a third-party application linked to XXXX XXXX consumer XXXX operationsreportedly part of a wave of Salesforce-related attacks tied to criminal groups like XXXX and XXXX. 
Impact : Credit files were not affected, but the exposure of SSNs and personal info heightened risks like identity theft, phishing, and fraud. 


To Whom It May Concern, I am writing to formally dispute the accuracy of information reported on my XXXX  credit file. Specifically, I am disputing the Discover Card account showing as past due in the amount of {$3900.00} and listed as a collection/charge-off also XXXX Credit Card Based XXXX XXXX  report XXXX XX/XX/year> XXXX due : {$2100.00} XXXX Chargeoff XXXX XXXX XXXX XXXX In light of the recent XXXX  data breach disclosed in XX/XX/year>, which compromised the personal identifying information of over XXXX XXXX consumers, I have serious concerns about the integrity, reliability, and accuracy of the information being reported in my credit file. Since my sensitive personal data XXXX have been exposed and subjected to unauthorized access, any tradeline or derogatory reporting must now be treated as potentially inaccurate, unverifiable, or the result of data compromise. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that XXXX  conduct a reinvestigation of this account. If the furnisher of this data ( Discover ) can not provide verified documentation demonstrating the complete accuracy and lawful basis for this reporting, then this account must be corrected or deleted immediately from my credit file.

Company response to consumer: Closed with explanation