vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: AR

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Fraudulent foreclosure scheme using banks identities to claim a fictitious mortgage to foreclosure on my home. Using XXXX and XXXX XXXX, despite both Banks confirming they have no record of any loan, mortgage, or account ever existing in mine or late husband 's name. Yet a foreclosure was initiated under my husband 's name under XXXX XXXX as ( indentured trustee ) previously listed XXXX on XXXX mortgage executed by my husband XXXX XXXX after death. This is a clear case of Identity theft, False claims of a creditor, Unauthorized use of national banking institutions ' names, Filing of false claims in a state court proceeding for financial gain, Violation of the False Claims Act ( 31 U.S. 3729 ), Mortgage Fraud based on nonexistent and discharged debt, Ongoing legal harm, emotional trauma, and risk of illegal eviction. I am requesting immediate escalation and referral under CFPBS fraud and abuse protocols. All parties operating under false claims of ownership or authority must be investigated under federal False Claims Act violations, especially if these proceedings were intended to access insurance or financial instruments supported by XXXX Taxpayers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: MO

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-28 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: MS

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-06-28 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:
am writing to formally dispute the following accounts being reported on my credit file. These accounts were fraudulently opened without my knowledge or authorization as a result of identity theft. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681c-2, which mandates the blocking and removal of information resulting from identity theft. 



The following accounts must be immediately removed from my credit report : XXXXXXXX XXXX  ending in XXXX XXXX XXXX  ending in XXXX XXXX XXXXXXXX XXXX  ending in XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX  XXXX in XXXX These accounts are the result of unauthorized activity. I have already filed police reports documenting this identity theft and am requesting, under the FCRA 605B ( 15 U.S.C. 1681c-2 ), that Equifax block and delete all of the above accounts from my credit file. This law explicitly requires credit reporting agencies to remove fraudulent data from a consumers file once sufficient notice is given. 



Enclosed with this letter are supporting documents, including : A copy of my government-issued ID Proof of residence FTC ( s ) related to the identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-06-28 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 2025-06-28 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:
I am a victim of identity theft and have submitted XXXX FTC Identity Theft Reports ( Report # XXXX and # XXXX ) and a notarized Affidavit of Identity Theft, dated XX/XX/year>, to both Experian and Equifax. 

Despite submitting these documents under FCRA 605B ( 15 U.S.C. 1681c-2 ), Experian and Equifax have refused or failed to block and remove the following fraudulent accounts and hard inquiries from my consumer file : Fraudulent Accounts Include : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries Include : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XXXX These accounts and inquiries were reported without my consent or authorization. I did not open or apply for any of them. My personal and financial information was used fraudulently and has caused me emotional harm, credit damage, and ongoing hardship. 

I specifically requested removal/blocking under FCRA 605B , which Experian and Equifax are federally obligated to comply with once proper documentation is received. I submitted everything required, yet the accounts remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are fraudulent accounts and/or inquiries on my credit report that I did not authorize or open. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and removed immediately. 

Details of the Dispute : I am disputing the following information that appears on my credit report, which I believe to be the result of identity theft : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Status : Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 

These accounts are not mine, and I have not given anyone permission to open or use them on my behalf. 

Dispute Exceeded Legal Time Limit : This account has been marked Under Dispute for more than 30 days, which exceeds the timeframe allowed under FCRA 611 ( 15 U.S.C. 1681i ). Because the account has not been verified or resolved within the required timeframe, the credit reporting agency is legally required to remove it from my credit report immediately.

Formal Request for Investigation and Debt Verification : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that the credit reporting agencies immediately block and delete this fraudulent item.

Under FCRA 611, I am also requesting debt verification. This means the credit bureaus and furnishers must provide documented proof ( e.g., a signed contract or application ) that I authorized the account. If they can not verify the debt with valid documentation, this account must be permanently removed from my credit file. 

Compensation for False Verification : If any account is falsely verified as accurate despite my identity theft claim, FCRA 616 ( 15 U.S.C. 1681n ) entitles me to statutory damages of {$1000.00} per violation.

Supporting Documentation : I have included the following documents : A copy of my identity theft report ( e.g., police report or FTC Identity Theft Affidavit ) A copy of my government-issued ID Proof of my current address ( e.g., utility bill or bank statement ) Requested Actions : Immediate blocking and deletion of the fraudulent account Debt verification for the disputed account Written confirmation that the item has been deleted Proof that the furnisher has been notified to stop reporting unverifiable information A corrected copy of my credit report reflecting these changes Please confirm in writing that my request has been processed in full compliance with the FCRA. Failure to comply may result in legal action or further complaints submitted to the Consumer Financial Protection Bureau ( CFPB ).

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 2025-06-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Inaccurate Information Under FCRA * * * * Original Creditor : Regional Finance * * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX * * RE : Dispute of Inaccurate Information Under FCRA * * * * Original Creditor : XXXX XXXX XXXX XXXX * * * * Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute the accuracy of the information you have reported regarding the above-referenced account, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This account is appearing in my credit report with a reported balance of {$2400.00} Jefferson Capital Systems and XXXX XXXX XXXX XXXX {$1400.00}. I believe this information is removal from my credit report immediate investigation and correction. 
I request that you provide me with the following information to substantiate and verify the validity of this account : - The specific details of the reported account, including a breakdown of any fees, interest, and charges applied. 
- Documentation or proof that the debt belongs to me, including a copy of any signed agreements or contracts. 
- The complete payment history and the date the account was allegedly opened and/or incurred. 
- The name, address, and contact information of the original creditor. 
- Proof of your legal authority to collect this debt, including your debt collector license or bonding information for the State of XXXX 
Additionally, I am requesting that, during your investigation, you communicate with all consumer reporting agencies where this account has been reported to ensure the disputed information is marked accurately as " disputed. '' Under the guidelines established by the Consumer Financial Protection Bureau ( CFPB ) and the FCRA, you are required to investigate this matter and respond within XXXX XXXX of the receipt of this letter. Failure to do so may constitute a violation of federal law. 
Please be advised that I am keeping detailed records of all correspondence regarding this matter and will not hesitate to escalate this dispute to the appropriate regulatory agencies if necessary. 
I look forward to receiving your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-06-28 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: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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 2025-06-28 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: CA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 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