vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
The credit XXXX, Equifax, and XXXX willfully failed to comply with their obligations under the Fair Credit Reporting Act. Despite my formal disputes submitted in XX/XX/year>, they continue to report materially inaccurate and unverifiable information, including erroneous XXXX student loan accounts, a false XXXX balance XXXX and unauthorized XXXX  inquiries from XXXX XXXX  and XXXX XXXX. 

No lawful verification or reinvestigation results were provided within the statutory XXXX period. Their continued reporting of unverified data constitutes clear noncompliance under 15 U.S.C. 1681i and 1681e ( b ). I am requesting immediate enforcement action compelling deletion of all unverifiable entries and full compliance with XXXX  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 non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander continued to contact me and threatened to repossess my vehicle after requesting for 1099-C and Account Verification Charged-Off Auto Loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to dispute the above-referenced account, which is being inaccurately reported under my name and Social Security number. 
This account is the result of identity theft, and I am requesting its immediate deletion or blocking from my credit file under FCRA 605B and 623 ( a ) ( 1 ) ( A ).

Reason for Dispute I was incarcerated at the time this account was opened and therefore could not have applied for, used, or authorized this credit. I have enclosed official proof of my incarceration covering the period when this account was opened and used.

Despite my prior submission of evidence and a CFPB complaint, your company has continued to report this account as valid. Doing so after receiving proof constitutes willful noncompliance under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and may expose your company to civil liability.

Requested Action Under FCRA 605B, I am formally requesting that you : 1. Block and remove the fraudulent account from my credit file.

2. Cease all collection activity related to this account.

3. Notify any third parties to whom you furnished this inaccurate data that the information was the result of identity theft.

4. Provide written confirmation to me within 30 days of your actions and investigation results.

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 2025-10-17 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Transunion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXXXXXX

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 2025-10-17 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:
Its heartbreaking to see that the inaccurate accounts remain on my credit reports despite everything. Im begging for your full attention in reviewing the attached documents so I can finally stop worrying about this issue once and for all.

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 2025-10-17 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 deeply concerned because inaccurate accounts continue to show on my credit reports and they were never taken off. I am begging for the documents Ive attached to be properly reviewed so I can finally have peace of mind after all this 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 2025-10-17 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this follow-up regarding a prior dispute with Experian concerning inaccurate personal identifying information that remains on my credit report. Despite providing full verification documents the credit bureau continues to report incorrect names and addresses that are not affiliated with me.

These inaccuracies appear to be the result of a reporting error, mixed file, or mistaken identity and do not reflect my true personal or residential history. Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and verifiable information, and Experian is required under FCRA 607 ( b ) and 611 to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when a dispute is filed.

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 2025-10-17 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/year> -- {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Account XXXX XXXXXX/XX/XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete accountXX/XX/XXXXXXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AK

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: OH

Complaint narrative:
I rented an apartment from XXXX XXXX XXXX and fully paid all rent and fees. I informed the company of my move-out date and returned the keys on time, about two months ago. Despite this, Hunter Warfield, a debt collector, is now claiming I owe {$560.00} plus additional fees.

I requested an itemized statement and explanation for these charges, including why my security deposit was not returned. The company did not provide any documentation or proof that I owe this amount. I dispute this debt because I have already paid everything owed and fulfilled all obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions for continuing to report an inaccurate and obsolete eviction record, despite clear proof that the judgment was vacated and the attorney for the plaintiff formally withdrew from the case. This eviction record stems from XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX. The underlying judgment was entered in error due to improper service and serious procedural defects. On review, the court granted my Motion to Reinstate/Vacate and later issued an Order Granting Leave to Withdraw Appearance on XX/XX/year>, confirming that the plaintiffs attorney ( XXXX XXXX ) and his firm are no longer representing the landlord and that the case is effectively dormant. The court docket now shows : Six failed service attempts and returned notices, proving I was never properly served. The judgment has been vacated ( or scheduled for vacatur upon reinstatement ). Plaintiffs counsel withdrew with no replacement, leaving no active representation or prosecution of the case. Despite this, LexisNexis continues to report, which is false and misleading. This misreporting damages my reputation and violates the Fair Credit Reporting Act ( FCRA ), which requires LexisNexis to maintain accurate and up-to-date public record information. I have attached supporting documents : Order Granting Leave to Withdraw Appearance ( XX/XX/year> ) CERTIFICATE OF SERVICE Court docket showing failed service and reinstatement hearing Proof of vacated/removed judgment ID LexisNexiss continued publication of this record is factually inaccurate, legally obsolete, and materially misleading to landlords and background check companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: AK

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$290.00}, XXXX XXXX XXXX XXXX XXXX, AK 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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am having some XXXX working in good faith with a merchant/service provider for non delivery of goods and/or delivery of non conforming goods in connection with a transactional agreement. Original Items in connection with the transaction is lacking respect to material disclosures for use of Goods permitted by law. I believe there is potential failure to perform and discover, that a service provider hasn't applied the obligatory fees necessary while transacting with the item placing limitations on the collateral, a potential business failure, in violation of the borrowers warranty given in accordance with agreement.

From Ones point of view there has been a failure to insure adequate performance in having properly registered the collateral under the borrowers operating license in a business setting. That business failure leads to insolvency and by law an entry of discharge in bankruptcy or receivership by the borrower against Guarantor or Owner of the Collateral.

I am communicating with you to discuss rights & obligations. I authorize you to make all necessary performance so that all obligations, and conditions set by the agreement based off of prior performance are met. Although I haven't caused this potential error I am affected by it. Although, I am not a party to the agreement, I do have a contract that allows me to receive payments so that i may help assist with the fungible goods transactions for its accession. While I do wish to peacefully correct and dispose and return any wrong doings or omissions causing fault to payment and future use, I am interested in a secure transaction for future purposes. My prayer in Good faith is for the Servicer, through person to person transactions to contact The Owner of the collateral returning the items for the account 's and item 's duly provided service for past present and future items & conditions in Fair dealings and trade, commissions if you will, for personal household and family purposes of course. My Intent is to see to it that all parties are protected, working safely & diligently.

We should Imagine feeling safe & secure being protected without any penalties in present & future terms of the condition Without infringing upon anothers rights to securely use the property. I appreciate your understandings, efforts, support and diligence.

I would like to authorize you to utilize an alternative solution for these exceptional circumstances for the greater good of all parties involved. please advise. Thank You. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BUSEY BANK
State: IL

Complaint narrative:
I am filing this complaint regarding Busey Banks continued withholding of all funds from a joint account I hold with my late father. 
On XX/XX/year>, I reported several fraudulent transactions on my account and filed a police report with the local authorities in, Illinois. I am the victim of fraud, not the perpetrator. Despite cooperating fully with the bank, my account was frozen and remains inaccessible more than 45 days later. 

The bank has failed to provide any written documentation explaining the legal basis for freezing my funds. All written correspondence from the bank indicates that I should have access to my account, yet I have been repeatedly denied. The assigned Busey Bank fraud team has not contacted the detective handling my case or provided any updates or documentation to me directly. 

During this process, I have also been falsely accused of being disruptive at a bank location I never visited and wrongfully accused in writing of committing account fraud. These accusations are untrue and have caused significant emotional, physical, and financial hardship. I have also experienced what I believe to be discriminatory treatment based on my race and age, which raises serious civil rights concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA, XXXX Date : XX/XX/year> To : Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Communication Request Dear Jefferson Capital Systems XXXX, I am writing to formally request that you cease and desist all forms of communication with me, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Please take notice that I am exercising my legal right to request that you stop all contact with me regarding any alleged debt you claim I owe.

If you believe I owe a debt, you are hereby notified to cease all communication with me directly. You may only contact me to inform me of the following : 1. That your collection efforts have ended ; or 2. That you intend to pursue specific legal remedies, such as filing a lawsuit.

Any further communication outside of those exceptions will be considered a violation of the FDCPA and I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General.

Please also consider this a formal request for validation of the alleged debt under 15 U.S.C. 1692g, if you have not already provided such documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
Equifax credit report has a account on my file that doesn't belong to me. And it is hurting my payment history. It totals XXXX. And it doesn't belong to me. I need it removed from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal dispute and request the permanent removal, blocking, and deletion of the following inaccurate and unauthorized accounts appearing on my credit report. These items are being disputed under my rights provided by the Fair Credit Reporting Act ( FCRA ), Section 605B, which requires credit reporting agencies to block and delete information that is the result of identity theft or inaccurate reporting. 

The following accounts are disputed and must be immediately deleted : Creditor Name Date Opened Reported Balance Action Requested XXXX XX/XX/XXXX {$19000.00} Delete/Block XXXX XXXX XX/XX/XXXX {$3700.00} Delete/Block XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Delete/Block XXXX XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Delete/Block XXXX XXXX XX/XX/XXXX {$550.00} Delete/Block XXXX XXXX XXXXXX/XX/XXXX {$18000.00} Delete/Block These accounts are inaccurate and do not belong to me, nor do they reflect my true credit history. Under FCRA 605B, I am requesting that these accounts be permanently blocked from my credit file and not reinserted unless the furnishers of information can provide verified, written proof of ownership and authorization. 

I am submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) and each credit reporting agency ( Equifax, Experian, and TransUnion ). 

Please confirm in writing that these accounts have been permanently deleted or provide me with documentation verifying the validity of each account within the legally required timeframe. 

Thank you for your prompt attention to this matter.

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