vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and final demand to immediately and permanently remove the fraudulent XXXX account # XXXX from my credit report. This account is not mine and is the result of identity theft. I have taken the following legal actions : Filed a Federal Trade Commission Identity Theft Report pursuant to 15 U.S.C. 1681c-2, which requires you to block fraudulent information within 4 business days of receiving proper identity theft documentation. 


Notified law enforcement and provided proof of the criminal nature of this account. Retained legal counsel prepared to pursue all available remedies under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. Under the FCRA, you are legally required to : XXXXlock fraudulent information from appearing on my credit file within 2 business days of receiving this identity theft documentation, as mandated by 15 U.S.C. 1681c-2. Conduct a reasonable investigation into my dispute and correct or remove inaccurate information within 30 days under 15 U.S.C. 1681i. Maintain reasonable procedures to ensure the accuracy and integrity of my credit report under 15 U.S.C. 1681e ( b ). Cease reporting information known to be false or disputed due to identity theft under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) & ( B ).

Provide me with full disclosure of all information in my credit file and its sources under 15 U.S.C. 1681g. Your continued reporting of this fraudulent account, despite receipt of identity theft documentation and formal dispute, constitutes : Willful noncompliance with the FCRA under 15 U.S.C. 1681n, exposing you to statutory damages up to {$1000.00} per violation, punitive damages, and attorneys fees. And/or negligent noncompliance under 15 U.S.C. 1681o, subjecting you to liability for actual damages and attorneys fees.

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 2025-08-11 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
These accounts violate Metro 2 and FCRA. They include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK, XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX The accounts have been charged off but still report a balance and monthly terms. XXXX has re-aged the accounts due to incomplete data ( no credit limit, terms, or recent payments ). To ensure full compliance, delete these accounts immediately.

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 2025-08-11 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: CA

Complaint narrative:
These accounts violate Metro 2 and FCRA. They include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX BANK, XXXX XXXX XXXX XXXX  AND XXXX XXXX XXXX The accounts have been charged off but still report a balance and monthly terms. XXXX has re-aged the accounts due to incomplete data ( no credit limit, terms, or recent payments ). To ensure full compliance, delete these accounts immediately.

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 2025-08-11 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: TX

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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-11 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: TX

Complaint narrative:
I am submitting this letter under FCRA 605B to demand that you block and delete the following fraudulent accounts from my credit file within four ( 4 ) business days of receiving this notice and documentation : [ XXXX XXXX XXXXXXXX XXXX ] Account # : [ XXXX ] [ XXXX XXXX XXXX ] Account # : [ XXXX ] These accounts are the result of identity theft. I did not open them, authorize them, or incur any related debts. 

Enclosed are the documents required by law to process my request : XXXX. Copy of my government-issued ID XXXX. Identity theft report Please confirm in writing when these accounts have been blocked and removed from my credit report and are no longer reported to any third parties. Failure to comply will result in immediate escalation to the FTC and CFPB for enforcement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XX/XX/year>, I discovered an inaccurate collection account from XXXX XXXX XXXX on my credit report for a Wayfair account I never opened. The account shows a negative balance and was reported as charged off. I have never had any relationship with Wayfair or purchased anything from them. I contacted Wayfair directly and requested documentation proving the account belongs to me ; they failed to provide any proof and refused to remove the information. I disputed the account with XXXX XXXX XXXX XXXX in XX/XX/year>XXXX XXXX deleted the account after reviewing my evidence, but XXXX XXXX XXXX declined my dispute without providing adequate justification. Under the Fair Credit Reporting Act, furnishers and credit reporting agencies are required to investigate disputes and remove unverifiable or inaccurate information. This account is unverifiable, and its continued reporting by XXXX XXXX XXXX is causing harm to my credit and financial standing. I am requesting that this account be fully removed from my XXXX XXXX XXXX reports.

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 2025-08-11 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: MD

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Michael Harrison, Attorney at Law
State: NY

Complaint narrative:
On XX/XX/year>, I received a collection notice from XXXX XXXX XXXX for an alleged debt. On XX/XX/year>, I disputed the debt in writing and requested full validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, the company continued collection efforts without providing validation. On XX/XX/year>, I received a second notice. I contacted the company again on XX/XX/year>, and XX/XX/year>, but no validation was provided. They have continued to pursue the debt without fulfilling their legal obligation to verify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
On XX/XX/XXXX there was a credit collection account added to my credit report. Here is the information on my report...... 

JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX  ) Account XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$930.00} No. of Months ( terms ) : - High Credit : {$930.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
Despite having submitted the Identity Theft Report, along with proof of identity and supporting documentation to the credit reporting agencies, the following items remain unresolved and continue to negatively impact my credit profile. These entries are not affiliated with me, were not authorized by me, and were the result of identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00}

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 2025-08-11 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: MS

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 2025-08-11 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: WI

Complaint narrative:
Opening Statement TransUnion is knowingly reporting inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( XXXX  ), despite verified documentation that the disputed account was closed and returned to the original creditor. On XX/XX/XXXX, XXXX XXXX XXXX confirmed to the Consumer Financial Protection Bureau ( XXXX  ) that the account in question was closed, yet TransUnion refuses to delete it. 

This continued reporting is causing measurable harm to my creditworthiness, including loan denials and loss of financial opportunities. Under XXXX U.S.C. XXXX ( a ) ( XXXX ), TransUnion is legally obligated to delete or modify any information found to be inaccurate or unverifiable. Their refusal to comply represents a willful and negligent violation of federal law. I am requesting immediate removal of this account from XXXX credit bureau reports, along with written confirmation of the deletion. 

XXXX. Complaint Details Account in Dispute : XXXX XXXX XXXX Account XXXX TransUnions Report : Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. 

CFPB Complaint Reference : XXXX XXXX Own Record Shows : Complaint filed : XX/XX/XXXX Company Response Date : XX/XX/XXXX Response Type : Closed with non-monetary relief XXXX confirmed accounts ( XXXX XXXX ) were placed by XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

Notices sent : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. No record of return. 

Non-Monetary Relief : XXXX closed and returned the accounts to XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Ref : XXXX ). 

Despite this, TransUnion continues to report the account, directly contradicting verified closure. This constitutes inaccurate reporting under XXXX U.S.C. XXXX ( b ), which requires reasonable procedures to ensure maximum possible accuracy, and XXXX ( a ) ( XXXX ), which mandates deletion or modification when information is found to be inaccurate. 

The continued presence of this account on my report has already resulted in : Denials for credit and loans. 

Damage to my credit score. 

Loss of financial opportunities.

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 2025-08-11 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: TX

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 2025-08-11 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: CO

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Charge-Off Reporting Request for Investigation & Removal Dear Credit Bureau , I am writing to dispute the accuracy of a charge-off currently appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C.

1681i ( a ). 
The account in question is : Creditor : [ XXXX XXXX XXXX Account Number : last XXXX XXXX Date Reported as Charge-Off : XX/XX/XXXX I believe this information is inaccurate or incomplete because : [ Brief explanation e.g., The account was paid in full before being charged off, The balance is incorrect, or The creditor can not produce documentation validating the charge-off status. ] Under 15 U.S.C. 1681e ( b ), you are required to maintain maximum possible accuracy in credit reporting, and under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed item.

I request that you : 1. Conduct a full reinvestigation of this account.

2. Provide the original signed contract, complete payment history, and charge-off documentation from the creditor.

3. Remove this charge-off from my credit report if it can not be fully verified.

Please note that if this account can not be verified within 30 days, the FCRA requires that it be deleted

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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