vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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I am filing this complaint because several items reported by the credit bureaus appear to be inaccurate, inconsistent, outdated, or unverifiable. I have attempted to resolve these issues directly with the credit reporting agencies, but the information continues to report incorrectly. I am requesting the CFPBs assistance to ensure a proper reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts ( TU ) These TransUnion charged-off accounts contain inconsistencies or unverifiable data : XXXX XXXX  XXXX Acct XXXX Balance {$420.00} XXXX XXXX Acct XXXX Balance {$0.00} XXXX XXXX Acct XXXX XXXX {$4300.00} Inquiries ( TU ) I dispute the following inquiry : XXXX XXXX XX/XX/year> Late Payments ( TU ) I am disputing the late payment reporting for : XXXX Acct XXXX XXXX Acct XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct 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 2025-11-27 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$18.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: LA

Complaint narrative:
Dear Sir/Madam, I am a consumer working to fix my credit, and I am filing a dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding the following accounts in dispute. Please review the details below, separated by each bureau, for accuracy and correction. 

Inquiries XXXX, Date : XX/XX/year> Late Payments XXXX XXXX, Account Number : XXXX XXXX XXXX  XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I lost my phone and there was about {$700.00} that someone used to XXXX XXXX people because my td bank card was attached to my XXXX wallet. TD bank allowed those charges to go through and also over drafted my account by {$100.00} and charged me the overdraft fees. I live on a fixed income. They provided me a provisional credit for {$700.00} and then took it back. XXXX XXXX has deactivated my XXXX wallet due to this and all I want is for TD bank to give me my money back because I didnt make nor authorize these transactions. I provided documentation to TD showing that I filed an insurance with XXXX and that my claim was approved I couldnt pay an insurance deductible until XX/XX/XXXX, when I could borrow the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CT

Complaint narrative:
This entry is inconsistent with my established financial record. I respectfully request that it be reviewed and amended as warranted.

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 2025-11-27 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: HI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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 am writing to dispute the following items on my credit reports that I believe to be inaccurate. Please see below for a summary of the accounts in dispute, organized by bureau. 

CHARGED OFF : XXXX XXXX, XXXX, XX/XX/XXXX, {$26.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$170.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$23.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$9900.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$3300.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$1800.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3400.00} INQUIRIES : XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-27 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: NJ

Complaint narrative:
I am submitting this complaint because multiple credit reporting agencies are reporting accounts with incorrect, incomplete, inconsistent, or unverifiable information. I have tried to resolve these issues directly with the credit bureaus, but the information continues to appear inaccurately. I am requesting the CFPBs assistance in having these items fully investigated and corrected or removed as required by the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS ( TransUnion ) XXXX Acct XXXX Opened XX/XX/XXXX Balance {$9100.00} XXXX XXXX Acct XXXX Opened XX/XX/XXXX Balance {$520.00} There are no inquiries listed for TransUnion in this dispute 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 2025-11-27 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am filing this complaint because several items reported by the credit bureaus appear to be inaccurate, inconsistent, outdated, or unverifiable. I have attempted to resolve these issues directly with the credit reporting agencies, but the information continues to report incorrectly. I am requesting the CFPBs assistance to ensure a proper reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts ( EQ ) I am disputing the accuracy and completeness of the following charged-off accounts : XXXX XXXX  XXXX Acct XXXX Opened XX/XX/XXXX Balance {$420.00} XXXX XXXX Acct XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Acct XXXX Opened XX/XX/XXXX Balance {$0.00} Some of these accounts show different balances across bureaus, and some appear unverifiable or outdated. 

Inquiries ( EQ ) Equifax is not showing any inquiries for this dispute. 

Late Payments ( EQ ) I am disputing late payment reporting for the following accounts because the information appears inaccurate or unverifiable : XXXX Acct XXXX XXXX Acct XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
The reported information appears to mischaracterize my financial activity. I request a detailed review and appropriate modification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-11-27 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: MD

Complaint narrative:
I am writing to dispute the following items on my credit reports, which I believe are inaccurate and need to be corrected. Below is a summary of the accounts in dispute, organized by bureau : CHARGED OFF XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$13000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX, XXXX, XX/XX/XXXX, {$810.00} XXXX, XXXX, XX/XX/XXXX, {$860.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$630.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$600.00} LATE PAYMENT 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 explanation
Consumer complaint received 2025-11-27 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:
Please treat this letter as my official dispute concerning the referenced accounts. I do not recognize them and did not authorize their creation. I request deletion and a full evaluation. Evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX Last XXXX of XXXX : XXXX Account : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Attn : XXXX XXXX Department XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute Restricted Account / Closed Account Still Reporting as Active To Whom It May Concern, I am writing to dispute the inaccurate and misleading reporting of the above-referenced XXXX XXXX account. According to your internal notices, the account has been restricted/closed, and I have not been able to use or access this account for an extended period of time. 

Despite the account being closed/restricted, XXXX  XXXX continues to report the account as active and updating monthly, which is inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ). 

FCRA VIOLATIONS Under the FCRA : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) requires furnishers to report information that is complete and accurate.

Reporting a restricted or closed account as active is inaccurate and misleading.

15 U.S.C. 1681i requires an investigation and correction of any information that can not be verified. 

A restricted/closed account can not legally be reported as active or updated monthly as if it is still operational. 

REQUEST FOR IMMEDIATE DELETION I am requesting the following actions : 1. Update the account status to Closed/Restricted No Active Status.

2. Remove all monthly updates reporting the account as active or open.

3. Correct any payment history that inaccurately reflects ongoing activity.

4. Provide written confirmation of the updated status.

VERIFICATION REQUEST If you believe the account is still active, provide documentation showing : Evidence that the account is open and usable Records supporting monthly reporting activity Any communication indicating the account is not closed or restricted If you can not provide this documentation, you must delete the inaccurate reporting as required by federal law. 

Please complete your investigation and respond within the time period mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-11-27 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: GA

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts in Dispute XXXX XXXX XX/XX/XXXX {$790.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$74.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4200.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$810.00} XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXXXXXX XX/XX/XXXX {$520.00} I dispute these items due to incorrect reporting and inconsistencies across bureau data. I request a full investigation and validation for each tradeline. 

Inquiries in Dispute None listed. 

Late Payments in Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These entries are inaccurate. I request verification from the data furnisher and TransUnion. If they can not validate the exact dates and details of these alleged late payments, they must be corrected or 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 2025-11-27 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: OH

Complaint narrative:
To whom it may concern ; I received a demand for payment collection notice by Jefferson capital in regard to XXXX XXXXXXXX XXXX XXXX dated XXXX XXXX. In this letter they said I had until XX/XX/XXXX. I wrote a response to the letter on XXXX XXXX XXXX requesting by mail the amount of alleged debt, The full mailing address of the creditor documentation that I am responsible or a copy of anu judgment and documentation showing Jefferson Capital systems LLC is licensed to collect debts in Ohio. I heard nothing from them. I also wrote a Letter to Jefferson Capital on XXXX XXXX XXXX in that letter I asked for supporting documents that confirms the account was not purchased as a charged-off or otherwise unenforceable under 15 U.S.C. 1692f ( 6 ) along with a full chain of title or assignment from the original creditor to any subsequent debt buyer or servicer demonstrating lawful ownership and right to collect. What I received from them was a statement date XX/XX/XXXX. 
They are trying to get me to pay them money for something they have not proven.

Company response to consumer: Closed with explanation