vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
I am writing to formally request a reinvestigation into a bankruptcy entry reported on my credit file by one or more credit reporting agencies. I believe this entry is either inaccurate, incomplete, or misrepresented, and I am requesting its removal in accordance with the Fair Credit Reporting Act ( FCRA ).

Basis for Dispute The bankruptcy entry in question may contain one or more of the following issues : Incorrect filing date Wrong bankruptcy chapter ( e.g., XXXX  XXXX vs. XXXX  XXXX ) Reporting of a dismissed bankruptcy as discharged Inclusion of a bankruptcy that does not belong to me ( possible mixed file or identity theft ) Legal Grounds Under the FCRA ( 15 U.S.C. 1681i ) : Credit reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the consumers file 1.

Consumers must be notified of the results of the reinvestigation and provided with a revised credit report if changes are made 1.

Additionally, the Bankruptcy Court does not report information directly to credit bureaus. Instead, credit bureaus obtain bankruptcy data from public records via systems like PACER 2. Therefore, any inaccuracies in how this information is interpreted or reported fall under the responsibility of the credit bureaus and furnishers.

Request I respectfully request the CFPB to : Investigate the accuracy and completeness of the bankruptcy entry on my credit report.

Ensure that the credit reporting agencies comply with the FCRAs reinvestigation and verification requirements.

Require deletion of the bankruptcy entry if it can not be verified or is found to be inaccurate.

Thank you for your attention to this matter and for safeguarding consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-25 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX  and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am writing to dispute a fraudulent account listed on my credit report by Jefferson Capital Systems in the amount of {$4100.00}, with a reported date of XX/XX/year>. 

I am the victim of identity theft, and I did not open this account, authorize it, or benefit from it in any way. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate removal of this account from all of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-25 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX, CO XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt.

Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number.

2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt.

4. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows Jefferson Capital Systems has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company.

5. The * * date Jefferson Capital acquired the debt * *, and from whom.

6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ).

8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting.

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law.

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *.

I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: I.C. System, Inc.
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> IC System XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX United States Subject : Formal Debt Dispute & Validation Request To Whom It May Concern, I am writing to dispute the validity of the alleged debt that I have no recollection of for the amount of {$4900.00} on my credit report. I request that you provide full validation of this debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Specifically, please provide the following : Proof that I am legally obligated to pay the debt, including a copy of the signed agreement or promissory note. 

A complete accounting of the balance you claim is owed, showing how principal, interest, fees, and any other charges have been calculated. 

Documentation establishing that your organization has the legal right to collect on this debt, including the full chain of assignment if it has been transferred or sold. 

Verification that this account is being reported accurately to the credit reporting agencies.

Until you provide the requested validation, you must cease all collection activity and stop reporting this debt to credit reporting agencies. If this debt can not be validated, I request that it be removed immediately from your records and from any consumer credit reports.

This letter is not a refusal to pay, but a notice that your claim is disputed. Please respond within 30 days of receipt of this letter. 

Sincerely, 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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft, and the account reported under XXXX XXXX, XXXX XXXX XXXX XXXXXXXX is fraudulent and never authorized by me. I formally disputed this account with TransUnion on XX/XX/year> and again on XX/XX/year>, providing all supporting documentation, including a valid FTC Identity Theft Report ( Report No. XXXX ), as required under FCRA Section 605B.

Federal law is clear : once a valid identity theft report is submitted, the bureau must block the account within four ( 4 ) business days. Despite this, the account remains on my file. This failure not only violates Section 605B, but also Section 611 ( requiring a meaningful reinvestigation ) and Section 607 ( requiring maximum possible accuracy ). The bureaus reliance on superficial or automated verification does not meet the legal standard established by case law such as Cushman v. TransUnion and Johnson v. MBNA. 
Beyond the legal violations, the continued reporting of this fraudulent account has very real human consequences. It has lowered my credit score, increased the cost of borrowing, and created barriers to securing housing and essential credit opportunities. I have spent significant time, effort, and emotional energy trying to correct this, only to see my rights under the FCRA disregarded.

The law exists to protect consumers from exactly this type of harm. I am asking for the CFPBs intervention to ensure that this unlawful reporting is permanently corrected and that my rights as a consumer are respected.

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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I opened a loan with Amer Honda XX/XX/year>. The account should not have been reported as collections or with missing payments. There was a police report regarding the car being totaled. I didnt even make it to my first payment. The insurance paid the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
In XX/XX/XXXX XXXX XXXX XXXX ( the lender ) repossessed the car and I was sent a letter about the diminution value being {$8800.00} since it had been sold at auction ( that letter I can no longer find ). Now with my date of delinquency being XXXX of XXXX, I continued to make auto payments until XX/XX/XXXX but, never saw my balance go down on my credit report at all, nor did I receive receipts except on the XXXX XXXX. The XXXX XXXX no longer shows this account, so a payment record is not available.

As of today, the balance still shows {$8800.00} like I never made any additional payments after repossession.

My credit reports show when I started and stopped making these payments but doesnt show my balance decreasing. The only proof I have is the credit report and my past bank statements going back to XXXX. 

Total cost of the car was XXXX My payments XXXX XX/XX/XXXX XXXX XXXX XXXX yr XXXX XXXX XXXX yr XXXX XX/XX/XXXX = XXXX yr XXXX XXXX XX/XX/XXXX = XXXX yr Totaling XXXX ( not including my down payment ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts 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 to be removed/updated. 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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!

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is reporting an auto loan from XXXX XXXX XXXX ending in XXXX as a charge-off for over 2 years. This is inaccurate because both XXXX  and XXXX  are NOT reporting the account at all, showing there is no verified tradeline. Under 15 U.S.C. 1681e ( b ), a CRA must assure maximum possible accuracy, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), they must delete unverifiable information.

In Cortez v. TransUnion, the Court emphasized that a CRA can not continue reporting inaccurate information when peers show otherwise. The current reporting lacks proper Metro 2 coding : balance not set to {$0.00}, condition code not corrected, and status remains charge-off despite no confirmation.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/year>, I applied a Bread cashback XXXX XXXX credit card ( {$200.00} cashback when you spend {$1000.00} in the first 90 days with your new account ). The offer was expired on XX/XX/year>. See my attached copy. 
XX/XX/year>, I received a letter ( dated XX/XX/year> ) from an Account Protection Team of Comenity Capital Bank. The team asked me to call them ( XXXX ) to continue the application. See my attached copy. 
XX/XX/year>, about XXXX XXXX, I called the protection team ( XXXX ) to continue the application. 
XX/XX/year>, I received my Bread cashback XXXX XXXX credit card issued by Comenity Capital Bank. 
In this XXXX, I did not receive the {$200.00} cashback after I spent more than {$1000.00} in the first 90 days with my new account. 
XX/XX/year> XXXX XXXX, I called Comenity Capital Bank ( XXXX ), a lady representative named XXXX said I would receive the {$200.00} on XX/XX/year>. 
XX/XX/year>, I still did not receive the {$200.00} cashback. On the same day, I sent a secure message to the bank to question this issue in the bank website, see my attached copy. 
XX/XX/year>, an Internet Customer Care Team of the bank sent me a secure message in the bank website and asked me to call a Customer Care Team ( XXXX ) of the bank to discuss this issue. 
XX/XX/year>, about XXXXXXXX XXXX, I called the Customer Care Team ( XXXX ) to discuss this issue. A gentleman representative said I am not qualified to get the {$200.00} cashback because I applied the credit card in a wrong website. I asked him to send me an email or a letter to explain the reason why I am not qualified to get this cashback ( because XXXX is not my first language ), he refused to do it.

Company response to consumer: Closed with monetary relief