vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year>, I accompanied a friend of mine to the Chase Branch in XXXX XXXX. She endorsed her State of XXXX  XXXX check in the amount of {$2700.00} over to me so that I could deposit it into my account and give her the cash ( as I had an active chase account and she did not ). The teller advised both of us that because it was a guaranteed government check, the funds would be available the next day. My friend provided her Identification card and endorsed the check in front of bank employees. However, after the deposit, the funds were placed on hold. I was informed that Chase would not release the funds until they could verify that my friend ( XXXX XXXX ), the original payee, had actually endorsed the check. The only method Chase uses to verify identity is contacting the payee through a phone number associated with public databases. Unfortunately, my friend has a recycled phone number ( a number previously assigned to someone else ), and although she is the current and rightful owner, Chase has repeatedly failed to recognize her as the legitimate payee because their outdated verification system does not link the number to her. After waiting nearly XXXX weeks, I as informed that my Chase account had been closed as a direct result of this third party deposit. However, I have not ever received funds on her behalf from the deposit itself. I have called Chase multiple times to inquire, and they have only told me that until they can verify her identity through a phone number, that the funds will be held in suspense. Once verified, they will then send ME a cashier 's check for the total amount ( {$2700.00} ). Ive also requested a formal explanation for the hold and the legal basis for their refusal to release the funds, but they have never responded with clarity or documentation. This issue has now persisted for over 10 months. The funds are still being held, and my friend has suffered serious financial harm, including missed mortgage payments and threats of foreclosure. Chase representatives told us the funds could be held for up to seven years, even though this is a State of XXXX  payroll check that she legally endorsed and verified in person. I am requesting that the CFPB investigate Chase Banks improper and unreasonable hold of these funds, and require them to release the money immediately. Their internal policy does not align with banking regulations under Regulation CC and has caused substantial and unnecessary hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account LVNV Funding LLC # XXXX 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 account # XXXX 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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to make it absolutely clear that this complaint is not submitted in error. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being, placing an undue burden on me during an already difficult time.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am unable to access my credit report from TransUnion because they are requiring verification through an outdated phone number that I no longer have access to. I do not currently have a phone because I am cutting back on bills due to financial hardship, which makes it even more unreasonable for them to require verification by phone only. 

TransUnion has my correct and current email address on file, which is a secure and valid method of identity verification. However, they refuse to use it and will not provide access to my credit file. This is especially frustrating because both XXXX  and XXXX  successfully verified my identity using my email address without any problems. 

I contacted TransUnion on XX/XX/year> multiple times and explained the situation to both customer service representatives and a supervisor. I clearly informed them that I do not have access to the old phone number and that I urgently need access to my report. 

Most importantly, there are items on my credit report that are inaccurate and need to be disputed immediately. These errors are directly affecting my credit score and harming my ability to secure employment, housing, and manage my finances. Despite explaining this to TransUnion representatives and a supervisor, I was offered no alternative method of verification such as email, ID upload, or mailing documents. 

Their refusal to accommodate basic, secure identity verification methods is obstructing my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S. Code 1681g Disclosures to consumers : I have the right to obtain a copy of my credit report upon request and proper identification.

15 U.S. Code 1681h Conditions and form of disclosure : Verification procedures must be reasonable and not create undue burdens.

15 U.S. Code 1681j Free disclosures : I am entitled to one free credit report annually.

15 U.S. Code 1681i Procedure in case of disputed accuracy : I have the right to dispute incorrect or outdated information, which I am being prevented from doing.

TransUnions actions are not only unreasonablethey are actively interfering with my legal rights and damaging my livelihood.

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 2025-07-02 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: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, negatively impacting both my credit and score. Although I was previously assured by the credit reporting agency that these unauthorized inquiries would be removed, they still remain. 
Their continued presence is deeply concerning, raising the possibility of identity theft and causing ongoing emotional and financial distress. This unresolved issue is placing unnecessary strain on me and further harming my financial stability.

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 2025-07-02 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: IL

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA 611 ) regarding the reporting of a charged-off account marked as Profit and Loss Write-Off on my credit report. Additionally, the entry is flagged as Account information disputed by XXXX XXXX. This reporting is either inaccurate, unverifiable, incomplete, or outdated, and I am exercising my legal right to demand its correction or removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA 611 ) regarding the reporting of a charged-off account marked as Profit and Loss Write-Off on my credit report. Additionally, the entry is flagged as Account information disputed by XXXX XXXX. This reporting is either inaccurate, unverifiable, incomplete, or outdated, and I am exercising my legal right to demand its correction or removal.

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 2025-07-02 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: KY

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantia
ting the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, neglige
nt noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXXXXXX XXXX XXXX {$18.00} XXXX ; XXXX v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX. On XX/XX/year>, I sent a formal debt validation request to Jefferson Capital Systems regarding a collection account associated with XXXX Ref Number : XXXX. 

As of today, XX/XX/year>, I have not received any response or documentation. The account remains active in their online system, and XXXX XXXX has not suspended collection activity, which is required under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ( b ) ) once a validation request is submitted.

I requested full legal validation, including : A copy of the original signed agreement, A complete accounting of charges and payments, Proof that the debt is linked to my Social Security Number Proof that XXXX XXXX legally owns the debt, Proof that they are licensed to collect debts in New Jersey, Confirmation that the debt has not been canceled or forgiven ( e.g., XXXX ). 


Their failure to provide this information while keeping the account active may constitute a violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
Im writing to dispute inaccurate and unauthorized information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ), my personal information was shared without my written permission. This led to accounts being added that I didnt open or use. This may also be identity theft under 15 U.S. Code 1681c-2. Please investigate and fix these errors to make sure my credit file is accurate.

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 2025-07-03 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX  calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.g., XXXX v. XXXX {$18.00} XXXX ; XXXX vXXXX XXXX  {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXX 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX for 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, and XXXX ( XXXX * * * XXXX * * * * * * ). * * I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete the unauthorized information. Ive attached a list of the disputed items and my Identity Theft Report filed with the FTC. 

Please confirm in writing once the corrections have been made. Thank you for your prompt attention.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: TX

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

Company response to consumer: Closed with explanation