vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am submitting this complaint against Transunion for failure to comply with the Fair Credit Reporting Act ( FCRA ) and FTC identity theft provisions. 
I submitted to TransUnion identity theft report along with my government-issued ID and Social Security card . These documents clearly show that certain accounts on my credit report were the result of identity theft. 
Despite providing all required documentation, TransUnion declined to remove or block these fraudulent accounts. This is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ), which requires a credit reporting agency to block fraudulent information within four business days of receiving : 1. Proof of identity ; 2. A copy of an identity theft report ; 3. Identification of the fraudulent accounts ; and 4. A statement that the information does not relate to any transaction I made.

TransUnion refusal to act has caused ongoing harm, including inaccurate negative information remaining on my credit report, damage to my credit score, and XXXX XXXX 
I have attached my original identity theft report, proof of ID and SSN, and copies of my communications with TransUnion to show that I complied with all legal requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a complaint against both XXXX  XXXX and XXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) and XXXX  XXXX XXXX XXXX ( a ). The dispute involves a XXXX XXXX account that was charged off, marked paid in full, and sold to Jefferson Capital. XXXX  has confirmed in writing that they no longer own or service the account. Jefferson Capital also confirmed the account was closed, not collected on, classified as fraudulent, and was never reported to XXXX. 

Despite this, XXXX  continues to report the XXXX tradeline showing a charge-off and late payments. XXXX refuses to request deletion and simultaneously refuses to verify or correct the reporting, claiming they no longer have access to the account. XXXX  refuses to remove the tradeline unless XXXX formally requests it even though XXXX denies owning or verifying the debt. There is now no active data furnisher that verifies or claims ownership of the account, making the tradeline legally unverifiable and misleading. 

I have submitted multiple certified disputes to XXXX  including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with identity theft documentation, a police report, XXXX  and Jefferson letters, and my government ID. XXXX  continues to claim the account is verified, despite the fact that no entity verifies or takes responsibility for it. 

This failure to delete unverifiable and disputed information violates : FCRA 611 ( a ) and 1681i ( a ) ( 5 ) : requiring deletion of unverifiable tradelines FCRA 623 ( a ) : requiring furnishers to report only accurate and complete information XXXX XXXX XXXX XXXX ( a ) : prohibiting the furnishing or maintaining of known inaccurate or incomplete credit data Ive spent over 15 hours on calls, preparing documents, mailing letters, and following up. Ive incurred out-of-pocket costs for certified mail and experienced prolonged credit harm and stress all due to negligence and failure to follow FCRA procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am submitting this complaint because TransUnion reinserted an account reported by XXXX XXXX XXXX ( XXXX ) after it had been previously removed. The reinsertion notice only stated the account was verified and belongs to me, but my original dispute was not about the ownership of the debt it was about whether XXXX had the legal authority to report or collect on it. 

XXXX never provided proper documentation, such as chain of assignment or proof of ownership of the debt, yet TransUnion accepted their validation and reinserted the tradeline. After receiving the reinsertion letter, I submitted a certified Method of Verification ( MOV ) request asking for specific details about how the debt was verified and what documentation was used. I have not received a full or meaningful response. 
This reinsertion appears to violate FCRA 611 ( a ) ( 5 ) ( B ) and 611 ( a ) ( 6 ), as the reinvestigation did not address the core of my dispute. I am requesting that TransUnion remove the tradeline unless XXXX can legally prove its authority to report or collect on this debt. In a response from XXXX received on XXXX XXXX my certified mail was deliveredthey failed to provide the information I requested in both my email and certified letter. XXXX claims they are not the owner or current creditor of the account and that they are collecting on behalf of the current creditor. However, the current creditor had previously closed the account with a {$0.00} balance, making XXXX  claim inaccurate and misleading. 

I am attaching the following documents to support my complaint : attempted communications with XXXX XXXX XXXX requesting debt validation via certified mail and email ; certified mail delivery confirmation ; a demand letter from a second collection agency attempting to collect and report the same debt ; a screenshot showing XXXX XXXX XXXX continuous reporting without providing the requested validation ; a screenshot of the original creditor reporting the account closed with a {$0.00} balance, a certified mail dispute sent to TransUnion requesting an investigation into the ownership of this account ; and the investigation results provided by TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. They are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report. I noticed a late payment listed on XX/XX/year> XXXX XXXX  XXXX credit card that I believe is inaccurate. I have maintained on-time payments and do not have documentation showing that this payment was legitimate 30 days late. 

I am requesting a full investigation and verification of this late payment. if the creditor is unable to provide sufficient evidence. I am asking that the record be updated to reflect accurate reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I called Bank of America to dispute over {$87000.00} in fraudulent charges across three credit cards ( Cash  Rewards, Travel Rewards, Premium Rewards ). These included large repetitive USPS stamp purchases and unauthorized ATM payments. 

On XX/XX/XXXX, disputes were opened for only two accounts ( Cash Rewards and Travel Rewards ), but my request to include Premium Rewards was ignored. Denial letters were issued on XX/XX/XXXX and XXXX. I called on XX/XX/XXXX to request a reinvestigation for both accounts and to include Premium Rewards again, but it was still not added. Additional denials were received on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after further reinvestigation requests. 

On XX/XX/XXXX, I mailed a formal written dispute package ( including police report and statements ) via XXXX. Only the Cash Rewards account was acknowledged and opened for reinvestigation. 

On XX/XX/XXXX, I mailed a second package reiterating that all three cards needed to be included. On XX/XX/XXXX, I sent a final, urgent package via XXXX ( confirmed delivered ) demanding that the Travel and Premium Rewards accounts be investigated and that charge-offs be stopped. 

Despite these efforts, Bank of America has failed to acknowledge my mailed disputes for the Travel and Premium Rewards accounts. On XX/XX/XXXX, I received a notice that my e-bill service was canceled for the Premium Rewards account, suggesting a charge-off was executed. 

Bank of America allowed the fraudsters to exceed my credit limits on all three accounts without proper controls ( Cash Rewards limit was {$19000.00} ; Travel Rewards {$16000.00} ; Premium Rewards {$12000.00} ). 

Bank of America has failed to comply with the Fair Credit Billing Act ( 15 U.S. Code 1666 ), which requires acknowledging a dispute within 30 days and resolving it within 90 days, and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), which requires proper investigation and prohibits furnishing inaccurate credit data. 

I have repeatedly requested that these disputes be investigated properly, that charge-offs be halted, and that no negative credit reporting occur. No adequate response has been received. 

Although this complaint is filed under my Cash Rewards account ending in XXXX, my dispute involves two additional accounts ( Travel Rewards ending in XXXX and Premium Rewards ending in XXXX ) that were never acknowledged or investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
Court : XXXXXXXX XXXX Court-XXXX Filing XXXX : XX/XX/year> Case Number : XXXX After reviewing my records and consulting the court directly, I have reason to believe that this item was reported in error or can not be verified with sufficient accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
Court : XXXXXXXX XXXX Court-XXXX Filing XXXX : XX/XX/year> Case Number : XXXX After reviewing my records and consulting the court directly, I have reason to believe that this item was reported in error or can not be verified with sufficient accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am an authorized user on a XXXX XXXX credit card with a {$14000.00} limit, perfect payment history, and over 5 years of age. 

This account has been correctly added by the primary cardholder ( my uncle ), and is currently reporting to Equifax ( attached screenshots of proof ) However, TransUnion has not reported this tradeline at all, despite XXXX XXXX stating they have reported to all XXXX bureaus. 

I contacted TransUnion directly and was told " there is no record of XXXX XXXX reporting for you '' - but I provided all identifying information ( name, XXXX, address ) to XXXX XXXX upon being added. XXXX confirmed that this was done properly on their end. 

This is a legitimate, open, and well-aged account that significantly impacts my credit standing. Failure to report this account creates an inaccurate and incomplete credit profile. 

I am requesting that TransUnion either : Prompt XXXX XXXX to furnish this tradeline, or Allow me to submit documentation to have it manually added Supporting documentation is attached : Screenshot of Equifax report showing the tradeline Please escalate and resolve this as soon as possible. This is an urgent matter- I am preparing for an important housing application and this discrepancy is negatively affecting my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: DE

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). 
This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


BANK 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am writing to formally document that the debt collector failed to inform me of my right to dispute the alleged debt, as required under the Fair Debt Collection Practices Act. No details were provided regarding the origin, amount, or validity of the debt. Instead, the communication solely consisted of repeated demands for payment accompanied by threatening language, which I believe constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
b'I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX to your agency, [Experian/TransUnion/Equifax), and I believe that this entry is inaccurate. The payment in question is identified as "late," but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act (FCRA) and related laws. Legal Basis for Dispute: Under 15 U.S. Code  1681a(2), the term "consumer report" does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself\nList of late payment accounts \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 explanation