vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : 4-Day Removal Request. Unauthorized Credit Inquiries & Fraudulent Accounts FTC Identity Theft Report Number : XXXX Dear Credit Bureau Representative, I am the victim of identity theft, and my personal information has been fraudulently used without my authorization. As a result, multiple unauthorized inquiries and accounts are appearing on my credit profile, damaging my creditworthiness. 
In accordance with FCRA Section 605B, I am formally requesting that you block and remove these fraudulent items within 4 business days of receiving this letter.

I have attached my FTC Identity Theft Report ( Report # XXXX ) and supporting identification, which obligates you under federal law to immediately remove this information. 
Fraudulent Credit Inquiries to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Fraudulent Accounts to be Removed : - Auto Loan/Lease. XXXX. {$16000.00}- XXXX XXXX XXXX. XXXX XXXX. {$25000.00}- XXXX. XXXX XXXX. {$0.00} - Credit Card. XXXX XXXX. {$500.00} Please confirm in writing that these items have been deleted from my credit file. I am asserting my rights under the Fair Credit Reporting Act and expect immediate compliance. 
Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX ( Enclosures : FTC Identity Theft Report # XXXX, Copy of ID, Proof of Address ) Attachment : FTC Identity Theft Report # XXXX ( Provided as supporting documentation )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 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 2025-09-21 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:
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 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax was notified by certified, notarized letter ( attached ) that there are unauthorized inquiries reporting on my credit file. The specific inquiries in dispute are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX In addition, there are unverified accounts that violate the Fair Credit Reporting Act ( FCRA ). These accounts were disputed through certified Metro 2 letters, yet Equifax has failed to provide proper validation or remove them. The disputed accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA 1681i and 1681s-2, Equifax is required to investigate disputes and ensure maximum possible accuracy. Continuing to report inquiries and accounts that have not been properly verified constitutes noncompliance. I am demanding immediate removal or correction of these inquiries and accounts from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The information reported on the account is not accurate. Dates are inaccurate, and balance requested is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XX/XX/2025, I noticed that Jefferson Capital Systems was reporting a debt on my credit report that I do not recognize. The account is listed in the amount of approximately $ [ insert amount shown on credit report ]. 

On XX/XX/2025, I sent Jefferson Capital Systems a certified debt validation request under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I specifically requested : A copy of the original signed contract establishing the debt.

A complete account history including principal, interest, and fees. 
Documentation proving ownership of the account, including a chain of assignment. 

Jefferson Capital Systems never responded to this request. Despite their failure to validate the alleged debt, they continue to report it to the credit bureaus. 

On XX/XX/2025 ], I disputed this account with XX/XX/XXXX. The bureaus returned the result as verified, but no documentation was ever provided to me showing that Jefferson Capital Systems had properly validated the debt. 

Because Jefferson Capital Systems failed to validate the debt and continues reporting it, I believe they are in violation of the FDCPA. Additionally, their continued reporting of an unverified debt to the credit bureaus has resulted in inaccurate reporting, which violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, unverifiable, and potentially fraudulent information that appears on my credit reports. These inaccuracies are negatively impacting my creditworthiness and ability to obtain fair credit. 
Disputed Items The disputed information includes, but is not limited to : Collection accounts reported without proper validation Late payment notations that are inaccurate or unverifiable Accounts that are obsolete, duplicated, or reported inconsistently across bureaus Under Sections 609 and 611 of the FCRA, I have the right to complete verification of any item reported on my credit file. If the furnishing party can not provide proper documentation proving ownership, validity, and accuracy of these accounts, they must be immediately deleted from my report. 
Data Breach Concerns In addition, I am deeply concerned that my personal information has been compromised in known credit bureau data breaches ( including but not limited to Equifax 2017 breach and subsequent reported incidents ). The exposure of sensitive personal information increases the likelihood that inaccurate or fraudulent accounts may be linked to my credit file without proper authorization.

This raises additional obligations under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ) for data furnishers and credit reporting agencies to ensure accuracy, security, and proper handling of consumer data.

Requested Action I am requesting that the FTC review this matter and take enforcement action as needed to ensure compliance with federal law. At the same time, I am disputing these items directly with Equifax, Experian, and TransUnion for reinvestigation, correction, or removal. 

Thank you for your attention to this matter. I look forward to your response and the enforcement of my rights under the Fair Credit Reporting Act.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, unverifiable, and potentially fraudulent information that appears on my credit reports. These inaccuracies are negatively impacting my creditworthiness and ability to obtain fair credit. 
Disputed Items The disputed information includes, but is not limited to : Collection accounts reported without proper validation Late payment notations that are inaccurate or unverifiable Accounts that are obsolete, duplicated, or reported inconsistently across bureaus Under Sections 609 and 611 of the FCRA, I have the right to complete verification of any item reported on my credit file. If the furnishing party can not provide proper documentation proving ownership, validity, and accuracy of these accounts, they must be immediately deleted from my report. 
Data Breach Concerns In addition, I am deeply concerned that my personal information has been compromised in known credit bureau data breaches ( including but not limited to Equifax 2017 breach and subsequent reported incidents ). The exposure of sensitive personal information increases the likelihood that inaccurate or fraudulent accounts may be linked to my credit file without proper authorization.

This raises additional obligations under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ) for data furnishers and credit reporting agencies to ensure accuracy, security, and proper handling of consumer data.

Requested Action I am requesting that the FTC review this matter and take enforcement action as needed to ensure compliance with federal law. At the same time, I am disputing these items directly with Equifax, Experian, and TransUnion for reinvestigation, correction, or removal. 

Thank you for your attention to this matter. I look forward to your response and the enforcement of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS :XX/XX/2019Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-21 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS :XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
TransUnion was notified by certified, notarized letter ( attached ) that there are unauthorized inquiries appearing on my credit report. The inquiries in dispute are :XX/XX/XXXXXX/XX/XXXX In addition, there are unverified accounts that violate the Fair Credit Reporting Act ( FCRA ). These accounts were disputed through certified Metro 2 letters, yet TransUnion has failed to provide proper validation or remove them. The disputed accounts are : XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, TransUnion has a duty to investigate disputes and ensure maximum possible accuracy. Continuing to report inquiries and accounts that have not been properly verified constitutes noncompliance. I am demanding immediate deletion or correction of these inquiries and accounts from my TransUnion credit file.

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 2025-09-21 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DPEDXXXX 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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My closed XXXX and XX/XX/XXXXXX/XX/XXXX accounts ( Acct # XXXX andXX/XX/XXXX XXXX ) are reporting multiple late payments despite being paid off and having {$0.00} balances. I have disputed these entries but they remain on my credit report. 

I am requesting verification of these late payment reports and removal of any inaccurate or unverifiable derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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 2025-09-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CA

Complaint narrative:
Response to Complaint IQ Data Collection Agency / XXXX XX/XX/XXXX During the COVID-19 pandemic, we had a rental balance that would have been covered through the County assistance program. However, the leasing office at XXXX XX/XX/XXXX failed to complete their portion of the application. Instead, we were told the only way to remain in our home was to sign a payment agreement requiring both past-due and current rent to be paid in full within six months. This was financially impossible. We went through court proceedings, were ultimately evicted, and relocated. 

When attempting to settle the balance, I experienced multiple issues with IQ Data Collection Agency : 1. Lack of Verification Agents repeatedly told me they do not have access to the actual file or documentation to verify charges. When I requested copies of these records, I was told no and the agent simply read charges aloud. When I explained I would not proceed without written verification, the representative stated : I can default you right now and hurt your credit, you dont have a choice.

2. Unverified and Inflated Charges Approximately one year later, I received a letter claiming more than {$10000.00} in charges. These amounts are unfamiliar and unverifiable. I have disputed this with all three credit bureaus and mailed letters to both the leasing office and corporate office requesting itemized statements or invoices. To date, I have received no response.

Requested Action : I respectfully request that the CFPB require IQ Data Collection and XXXXXX/XX/XXXX to provide proper documentation and verification of the alleged debt, including a full itemized breakdown of charges and proof of services rendered. Without this, the debt should not be reported to or remain on my credit record. 

Thank you for your attention and assistance in this matter.

Company response to consumer: Closed with explanation