vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXXXXXX  | SSN ( last 4 ) : XXXX Phone : XXXX | Email : XXXX XX/XX/XXXX Re : Demand for Immediate Deletion of Fraudulent XXXX  Account FCRA 611 & 605B I am formally disputing the fraudulent XXXX XXXX XXXXXXXX. account that is currently appearing in my credit report. The account in question is not mine and has been determined to be fraudulent and inaccurately reported by XXXX XXXX  themselves. 

Enclosed with this letter is XXXX XXXX  written confirmation, dated XX/XX/XXXX, which states : Fraud was committed on the account. 
The information furnished to the credit reporting agencies was inaccurate. 

XXXX has corrected its internal records and furnished the corrected information to you. 

Under the Fair Credit Reporting Act ( FCRA ) 611, consumer reporting agencies are required to promptly delete or correct inaccurate or unverifiable information. 

Further, under FCRA 605B, fraudulent accounts must be blocked from a consumer file within 4 business days of receiving proper notice and documentation.

Accordingly, I demand : 1. Immediate deletion of the fraudulent XXXXXXXX XXXXk account from my credit report. 
2. Written confirmation that the account has been permanently deleted. 
3. Copies of any reinvestigation results and the name of the furnisher contacted. 

Please consider this letter, along with the attached XXXX XXXX  confirmation, as irrefutable proof that this account is fraudulent and must be removed without delay. 

Failure to comply will result in further escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General for enforcement action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX Enclosure : XXXX XXXX XXXX Fraud Determination Letter ( dated 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 non-monetary relief
Consumer complaint received 2025-08-19 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:
I am submitting this complaint against Equifax for its repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with multiple FTC Identity Theft Reports, proof of identity, and sworn statements, Equifax has failed to comply with its obligations under FCRA 605B and 611 ( a ) by refusing to block or delete fraudulent account from my credit file and by failing to complete a proper reinvestigation. The fraudulent accounts in question include XXXX XXXX XXXX XXXX XXXX XXXXXXXX all of which remain on my report in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing a collection reported on my credit report by IQ DATA XXXX. I believe this collection is unfair and inaccurate. 

I previously requested that IQ DATA XXXX. provide evidence of the alleged debt, but they did not provide any verification and still reported it to the credit bureaus.

Under the Fair Credit Reporting Act ( FCRA ), the burden of proof is on the creditor or collection agency to verify that the debt is valid. I requested that IQ DATA XXXX. provide documentation proving that I owe this alleged debt but they did not.

To my knowledge, this debt is invalid/ not mine, and I am attaching a resident ledger showing a small balance of {$110.00} and my lease agreement to substantiate my claim.

Additionally, my landlord has not returned my security deposit of {$600.00}.

Since IQ DATA XXXX. has already reported this information without verification, I am formally requesting investigation and corrective action to remove this inaccurate entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA and 605B ( 15 U.S.C 1681c-2 ) that you, XXXX  credit reporting agency, block 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 I am filing this FTC identity, theft affidavit to report a fraudulent account appearing on my Consumer FICO XXXX, credit report, which I do not recognize as reported in which are the result of identity, theft and fraud. This fraudulent accounts consist of a loan account opened at XXXX XXXX XXXX ACCOUNT NUMBER XXXX. THIS ACCOUNT HAS REPORTED SEVERAL FRAUDULENT ACTIVITIES APPEARING ON MY CONSUMER CREDIT REPORT. I DEMAND THAT THE AFORMENTIONED FRAUDULENT ITEMS BE REMOVED FROM EACH OF MY CONSUMER CREDIT REPORTS AND THAT ALL COLLECTION ACTIVITY RELATED TO SAID ITEMS CEASE, PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LAWS. 

All accounts above collections, late payments, and charge offs result from identity, theft, and fraud. I have attached a copy of FTC identity, theft criminal complaint number XXXX as proof from the US federal trade commission that all of the aforementioned Consumer credit accounts, collections, charge all are the result of identity, theft, and fraud. I have attached a copy of FTC identity theft criminal complaint number XXXX as proof from the US federal trade commission that all of the XXXX mentioned consumer credit accounts, collections, charge offs are the result of identity, theft, and fraud. I demand that the fraudulent items be removed from my consumer credit report that all collection activity related to items see pursuing to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NM

Complaint narrative:
I am a survivor of XXXX XXXX. As a direct consequence of that exploitation, my personal information was misused to generate fraudulent credit activity that now appears on my consumer report. These entries are not reflective of my financial behaviorthey are the result of coercion, abuse, and criminal activity. 
The following inquiries and accounts were created or accessed without my consent and must be removed : Fraudulent Inquiries and Accounts : XXXX. XXXX Date XXXX inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-3 ), you are legally obligated to block this information from my credit report within four business days of receiving this request. I am formally demanding that you take immediate and decisive action to ensure these fraudulent entries are removed. 
Please provide written confirmation of the actions taken. Your prompt and thorough attention to this matter is not only appreciatedit is required by law and essential to my recovery.

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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: DC

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened account with Chase in XXXX  week of XXXX and they gave me direct deposit form to be submitted to my employer. Later the salary were not getting deposited and they asked me to check with employer. Somehow one salary get deposited. As I needed money I used direct deposit form to transfer money from XXXX to XXXX which failed resulting in loss of {$1700.00} due to failed bank transaction and conversion fee. Also few of my salaries couldnt be deposited causing financial challenges as just move to XXXX When I figured out issue, it was due to wrong account number on direct debit form provided by bank. The representative apologized by the refuse to compensate for my loss

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding multiple inaccuracies across my credit reports with TransUnion, Experian, and Equifax. Despite previous disputes, the following accounts continue to be reported inaccurately and without verification, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards : - XXXX XXXX XXXX XXXX : Closed account reported with multiple late payments ( XXXX days past due ). 
- XXXX XXXX XXXX : Auto loan reported as charged-off with inconsistent reporting dates and payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX : Student loan accounts reported inconsistently across bureaus ; some marked indeterminate and disputed but not corrected. 
- XXXX XXXX : Account reported as charged-off with balance discrepancies and missing payment history. 
The violations include : FCRA 602 ( 15 USC 1681 ) Purpose clause : requires fairness, impartiality, and accuracy in credit reporting.

FCRA 607 ( b ) ( 15 USC 1681e ( b ) ) Failure to follo
w reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( 15 USC 1681g ) Right to disclosure ; requires original signed contract and validation of debt.

FCRA 611 ( 15 USC 1681i ) Failure to conduct proper reinvestigation of disputed information.

FCRA 623 ( 15 USC 1681s-2 ) Furnisher responsibilities violated by reporting inaccurate or unverifiable data.

FCRA 616 ( 15 USC 1681n ) Civil liability for willful noncompliance.

FCRA 617 ( 15 USC 1681o ) Civil liability for negligent noncompliance.

Metro 2 Compliance Manual Improper coding of charge-offs/late payments violates standardized reporting rules.

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 2025-08-19 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-19 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: National Consumer Telecom & Utilities Exchange, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XX/XX/XXXX | Last 4 of SSN : XXXX Phone : XXXX | Email : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : CFPB Complaint / Dispute of XXXX XXXX XXXX Account XXXX XXXXXXXX Dear NCTUE Consumer Care Team, I am writing in response to your recent correspondence regarding my CFPB complaint and request for deletion of the XXXX XXXX XXXX account referenced above. In your response, you indicated that the account was re-disputed as of XX/XX/XXXX under confirmation number XXXX. 

I have serious concerns with the characterization of this matter as a re-dispute. I request clarification and documentation for the following : 1. Previous Dispute Records Please identify the date ( s ) and outcome ( s ) of any prior disputes associated with this account.

Provide copies of all communications or verification responses you received from XXXX XXXX XXXX regarding this account in any prior dispute cycle. 
2. Verification Evidence Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 609 and 611, I demand a copy of all documents, records, and evidence provided by XXXX XXXX XXXX  that you are relying upon to verify this account as belonging to me. 
If XXXX XXXX XXXX has failed to provide such evidence, this account must be deleted from my NCTUE data file. 
3. Clarification of Re-Dispute Status Explain why this matter is being treated as a re-dispute rather than as a new and escalated investigation stemming from a CFPB complaint.

Provide a written statement of your policies and procedures for handling CFPB complaints to demonstrate compliance with FCRA obligations.

As I have already disputed the accuracy of this account and requested its deletion, I expect NCTUE to fulfill its legal duty to conduct a reasonable investigation and to delete any information that can not be fully verified.

Please consider this a formal request for records and clarification. I expect a written response within the timelines established by law.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation