vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: Experian Information Solutions Inc.
State: AL

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

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
This debt currently on my account is not supposed to be reported.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my final attempt to resolve these account prior to suing. 

TransUnion has failed at providing up to date accurate information thus making my family incapable of purchasing a home.

I have even provided proof that one account is not mine yet TransUnion refuses to remove the account ending in XXXX by XXXX XXXX and the letter requesting full account deletion provided to TransUnion will be attached below. The dispute web portal online never works and TransUnion denies receiving the letter in the mail and will not open a dispute over the phone without proof of this letter thus making this impossible to resolve with the company directly. 

I am not requesting disputes, I am requesting deletion. It has been over 90 days of going back and forth. The creditors have failed to validate these accounts. 

The other accounts TransUnion has FAILED to verify after the creditors have FAILED to validate these accounts are listed below : Delete all phone numbers listed as they are inaccurate. 

XXXX 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 2025-07-19 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: WA

Complaint narrative:
I am submitting this complaint to dispute multiple charge-off entries currently reported by TransUnion, which I believe are either inaccurate, outdated, or improperly maintained under federal law. Specifically, the accounts in question include : XXXX XXXX ending in XXXXXXXX XXXX XXXX with a date of XX/XX/XXXX and a balance of {$6000.00} * *, XXXX ending in XXXX with a date of XX/XX/XXXX and a balance of {$0.00} XXXX XXXX and XXXX ending in XXXXXXXX XXXX XXXX  with a date of XX/XX/XXXX and a balance of {$12000.00}. * * First, the XXXX  XXXX and XXXX accounts are both beyond the seven-year statute of limitations for derogatory accounts under 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) of the Fair Credit Reporting Act. These accounts are now well past the permissible period for reporting adverse information and should no longer appear on my credit file. Their continued presence is a direct violation of federal law. 

Second, the XXXX entry, while showing a balance of {$0.00}, is still being reported as a charge-off. This is misleading and materially inaccurate. A XXXX balance with no ongoing delinquency should not be labeled as a current charge-off. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain accurate and up-to-date records. Reporting an account with no balance as charged-off implies continued negative financial behavior that is not true and results in an unfair portrayal of my creditworthiness. 

The emotional and financial toll of this situation is significant. These erroneous or outdated charge-off entries continue to hurt my credit profile, making it difficult to access fair housing, secure competitive auto loan rates, or qualify for basic lines of credit. I've been subjected to higher interest rates, credit denials, and extra scrutinyall due to information that should no longer be legally present or is fundamentally misleading. It has caused prolonged XXXX and XXXX  as Ive had to constantly explain these anomalies to lenders and potential landlords.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Date : [ XX/XX/XXXX ] To : National Credit Adjusters XXXX XXXX XXXX XXXX XXXX, KS XXXX Subject : Request for Debt Validation under 15 USC 1692g Account # * XXXX To Whom It May Concern, I am writing in response to the collection entry you have placed on my credit report for the account referenced above. This letter is being sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and California state laws. This is a formal request for validation of the alleged debt you claim I owe. 



Please provide the following information : Proof that you have the legal right to collect this debt. 

A complete accounting of the alleged amount owed, including the original creditor and itemized charges. 

A copy of the original signed contract or agreement under which this debt arose. 

A copy of any judgment, if applicable. 

The name and address of the original creditor. 

Proof that the alleged debt falls within the applicable statute of limitations for collection. 



Additionally, I request that you include the XXXX XXXX XXXX ( XXXX ) code used for this account and confirm that it has been accurately and lawfully reported under XXXX XXXX XXXX ( Collection Account ). If you are unable to validate this debt, or fail to respond within 30 days as required by law, you must : Cease all collection activity ; and Remove this account from all consumer credit reporting agencies to which you have reported. 



Please note that any attempt to collect on an unverified debt may be a violation of the FDCPA, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and California Attorney Generals Office if necessary. 



This letter is sent with the intent to resolve the matter amicably and is not an acknowledgment of any liability or a promise to pay. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
SANTANDER XXXX  USAis falsely reporting on my credit. I have never had any accounts with them. Per my research SANTANDER XXXX  USA is a debt collector. They are falsely reporting on my credit!! Account number is 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 non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXL # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened 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 explanation
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I am extremely concerned and disappointed that my credit report continues to contain inaccurate and incomplete information. Despite my previous efforts to have these errors corrected, my requests have been repeatedly ignored, and my credit score continues to suffer unfairly as a result.

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 2025-07-18 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 non-monetary relief
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-18 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: IL

Complaint narrative:
Several companies have unlawfully accessed my credit report, resulting in direct and significant harm to both my credit and credit score. I previously contacted your agency regarding these unauthorized inquiries and was explicitly assured by a representative that they would be removed. That assurance has not been upheld. The inquiries remain, and your agencys continued failure to take corrective action is unacceptable. 
The presence of these suspicious entries strongly suggests potential identity theft and represents a serious breach of my personal and financial security. Your inaction has causedand continues to causeongoing financial damage and emotional distress.

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 2025-07-18 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: TX

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! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MRS BPO, LLC
State: IN

Complaint narrative:
THEY USE A XXXX XXXX XXXX XXXX  TIMES TO CALL MY PHONE. THEY ALSO USE A ROBO CALL SYSTEM TO ASK MY NAME BEFORE AN ACTUAL AGENT GETS ON THE PHONE TO CLAIM I OWE A DEBT.. I DIDNT GIVE MY NAME TO THE AUTO SYSTEM.. I USED XXXX XXXX XXXX ( XXXX XXXX ) AS A NAME AND THEY SAID THAT THERE ARE DEBTS!!! I TOLD THEM I DONT HAVE ANY DEBTS PAST OR PRESENT!! 
COMPANY THAT KEEPS CALLING IS XXXX BPO, A KNOWN DEBT COLLECTION COMPANY BASED IN XXXX XXXX XXXX XXXX XXXX KNOWN TO MAKE FALSE CLAIMS OF DEBTS OWED AND HARASS PEOPLE!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
T

he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I am reaching out to dispute an inaccurate late payment entry that has been listed on my credit report. I take my financial responsibilities seriously and have built a strong record of consistent, on-time payments. The reported delinquency is inaccurate and does not align with my payment history.

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 2025-07-18 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: AL

Complaint narrative:
I am extremely concerned and disappointed that my credit report continues to contain inaccurate and incomplete information. Despite my previous efforts to have these errors corrected, my requests have been repeatedly ignored, and my credit score continues to suffer unfairly as a result.

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 2025-07-18 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:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: PA

Complaint narrative:
My husband did not pay a {$600.00} cc Discover. He was laid off and just never paid and never told me. The debt was in his name only. It then with interest went past {$2000.00} we took it to the local court and paid had an attorney try to get it to {$0.00}. They did but Discover appealed so we settled for {$1300.00} that was paid at least 2 months ago. These calls from this so called XXXX XXXX XXXX started around the time we served papers from Discover that my husband was being sued for the debt. I got several nasty calls from several spam like bogus like numbers. The problem is u do not know who is running a scam and has your docket number or if its a legit collection agency trying to collect legit debt. I had to buy the robokiller app because I have received several calls pretty much everyday for months. One number that calls every week several times a week for about 3 months or more now is this number XXXX ( XXXX ) XXXX a recording of the same lady XXXX XXXX attempting to collect debt. She just called today in fact. I called back and waited to speak to someone I was on hold for too long so I opted to leave a very angry message and yes I swore and i told them Im turning them in and that the debt was paid. I told them i will pursue legal action if I can. I probably cant and Im probably wasting precious time off my life. But Im not well and have several medical issues and this unneeded and Im fed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: AZ

Complaint narrative:
I have contacted Uprova Credit on three separate occasions via email to request repayment options or payment arrangements in writing. I explained that due to my work schedule, I am not able to speak on the phone during their business hours and asked for written communication only. 

Uprova continues to respond with generic emails claiming they have already provided options ( which they have not ), and they insist that I must call them before they will share any repayment terms. They stated they will only send an email after a phone call has taken place, which is not acceptable since I have clearly communicated my work constraints. 

Their refusal to provide written repayment options and failure to acknowledge or accommodate my reasonable request demonstrates a lack of good faith and poor communication. This has delayed any resolution and added unnecessary stress to an already difficult financial situation.

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