vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
Re : FORMAL LEGAL DEMAND UNDER FCRA 605C AND 605B VICTIM OF HUMAN TRAFFICKING, DEBT BONDAGE, AND IDENTITY THEFT To Whom It May Concern, I am submitting this formal legal demand under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ) as a verified victim of human trafficking, debt bondage, and identity theft.

In collaboration with my authorized nonprofit advocate, I am exercising my rights under these federal laws to have the following fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 
Enclosures Provided : Certified Victim Determination Documentation ( for XXXX compliance ) Proof of identity, XXXX, and current address INCORRECT NAME TO REMOVE : Incorrect Name - XXXX XXXX XXXX ADDRESSES TO DELETE : Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, AZ, XXXX Incorrect Address - XXXX XXXX WY, XXXX, FL, XXXX EMPLOYER TO DELETE : EMPLOYER - XXXX XXXX XXXX ACCOUNTS TO BLOCK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XX/XX/XXXX - {$27000.00} HARD INQUIRIES TO REMOVE : XXXX. XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX LEGAL BASIS FOR REMOVAL : FCRA 605C ( 15 U.S.C. 1681c-3 ) : Mandates blocking of information resulting from human trafficking.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates blocking of information resulting from identity theft.

YOU ARE LEGALLY REQUIRED TO : 1. Block and remove the above-listed items within four ( 4 ) business days.

2. Provide written confirmation of your actions.

3. Cease all future reporting of these items.

Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General under 15 U.S.C. 1681n and 15 U.S.C. 1681o.

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 2025-11-01 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: ME

Complaint narrative:
XXXX XXXX XXXX COLLECTION DISPUTE ( FCRA 602A, 609, 611, 623 ; FDCPA 807, 809 ; 15 U.S.C. 1681 et seq., 1692 et seq. ; Regulations XXXX & XXXX ) To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX Date : [ XXXX ] Subject : Formal Dispute XXXX XXXX XXXX XXXX Collection ( {$2900.00} ) Dear TransUnion, I dispute the XXXX XXXX XXXX XXXX collection account ( reported XX/XX/XXXX ; balance {$2900.00} ). This entry is inaccurate and unverified and violates both the FCRA and the FDCPA. 

Legal Basis FCRA 609 ( a ) ( 1 ) ( A ) Right to receive all data sources used to report an item.

FCRA 611 ( a ) Mandates reasonable reinvestigation and deletion if unverifiable.

FCRA 623 ( a ) ( 1 ) ( A ) Furnisher may not report information known to be inaccurate.

FDCPA 807 ( 8 ) [ 15 U.S.C. 1692e ( 8 ) ] Prohibits furnishing false credit information.

FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] Requires debt validation before continued reporting or collection.

Regulation V, 12 C.F.R. Part 1022 and Regulation F, 12 C.F.R. Part 1006 Implementing rules for CRA and collector conduct. 

Validation and Verification Demands Provide within XXXX  days : XXXXA copy of the original contract bearing my signature or a sworn affidavit explaining its absence. 
XXXXAn itemized statement showing how the {$2900.00} balance was calculated. 
XXXXDocumentation proving assignment or ownership transfer to XXXX XXXX XXXX XXXX 
XXXXEvidence of the furnishers compliance with FCRA 623. 
XXXXAll communications between TransUnion and XXXX XXXX XXXX this account. 

Notice of Consumer Participation Requirement Under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( A ) ( 15 U.S.C. 1681i ), your reinvestigation must include my input and all relevant information I provide. Any investigation conducted without contacting me constitutes a false and incomplete investigation under FCRA and Regulation V, 12 C.F.R. 1022.43 ( e ). I require written confirmation of my direct involvement in the process. If you verify this account without doing so, such verification is invalid and must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 

If XXXX XXXX fails to validate this debt within the time limits, you must delete this collection entry and notify me in writing. Continued reporting of unverified data will be reported to the CFPB, FTC, and the Maine Attorney General. 

Sincerely, 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 2025-11-01 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: IL

Complaint narrative:
Subject : Formal Complaint Regarding Identity Theft and Request for Account Removal Under FCRA 605B Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing fraudulent accounts that have been opened in my name due to identity theft. I have already submitted an FTC Identity Theft Report ( Report Number : XXXX ) and am providing this statement to demand the removal of these unauthorized accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) Section XXXX. 
The fraudulent accounts include : XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were opened without my knowledge, permission, or consent, and I am not responsible for any balances, charges, late payments, or negative information associated with them. I request that these accounts be permanently removed from my credit report and not reinserted unless verified as belonging to me. 
Under FCRA 605B, I am entitled to have fraudulent accounts blocked from my credit report. I also request that you ensure the credit reporting agencies provide proof of verification if they attempt to reinsert these accounts in the future. 
Please let me know if you require any additional documentation or information to process this complaint. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: MN

Complaint narrative:
I DESPUTED MY REPORTS WITH TRANSUNION, EQUIFAX, EXPERIAN, XXXX, THEY WILL NOT REMOVE. THEY ARE REPORTING MISLEADING INFORMATION ON ALL ACCOUNTS IN MY EXHIBITS THEY IN VIOLATION OF METRO-2 FCRA REGULATIONS.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Formal Request to Unfreeze Credit Reports Pursuant to the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance ( XXXX ) Standards Dear Compliance Department, This correspondence serves as my formal notice and request under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consistent with XXXX XXXX / XXXX  compliance standards, to unfreeze my consumer credit reports currently maintained under my name and personal identifiers listed above. 

I am exercising my rights under FCRA 605A and 609 ( a ) to : 1. Unfreeze ( thaw ) my credit reports in full to allow authorized furnishers and entities to access them.

2. Request that any updates, corrections, or notices regarding my credit be sent to my current address listed above.

3. Receive written confirmation and documentation that my credit reports have been successfully unfrozen and are active.

Preferred Method of Response : Please send all correspondence, updates, or confirmation of unfreeze to : Mail : XXXX XXXX XXXX, XXXX, LA XXXX Email : XXXX I appreciate your prompt attention and compliance with this request under the FCRA, FACTA, and XXXX XXXX XXXX standards. Please ensure that confirmation is issued within the statutory timeframe outlined in the FCRA. 

Respectfully, 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 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
That debt doesn't belong to me. 
It's an identity theft Someone had been using my name to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, OK XXXX Date : XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX Cloud, MN XXXX RE : Debt Validation Request / Notice of Dispute Account : Unspecified collection appearing on my credit report To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding an alleged debt your company claims I owe, which is being reported on my credit report. I have never received any notice of this debt from you, yet you are reporting it to the credit bureaus. I dispute this debt in its entirety. 
Under FDCPA 15 U.S.C. 1692g, I am requesting validation of this debt, including : 1. The name and address of the original creditor 2. The date and amount of the alleged debt 3. Proof that I am legally responsible for this debt ( signed contract or agreement ) 4. Chain of title ( proof that your company has the legal right to collect this debt ) XXXX. Itemized accounting of how the balance was calculated Until you provide proper validation, you must cease all collection activity, including reporting this debt to any credit bureau. 
Additionally, under the FCRA 15 U.S.C. 1681s-2 ( a ), you are required to report only accurate and verifiable information. Reporting unverifiable or inaccurate information is a violation of federal law. If you can not fully validate this debt, you must : - Immediately delete it from all credit reporting agencies, and - Cease any further reporting or collection efforts Please be advised that I am keeping records of all correspondence and will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Oklahoma Attorney Generals Office if my rights are violated. 
You are required to respond within 30 days of receiving this letter. 
Sincerely, ______________________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
I am still having issues with so called federal government agents and police hacking into my bank accounts and stealing money because they have been given online access at times to view and tamper my accounts. This has been ongoing for several years and they think that by using certain officials in charge that they can flash identification to that they get to do whatever they want in my personal banking and that of others as well. 
Theres too much corporate scheming involved and I am being used and outright robbed of my financial assets, information, and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding the account reported by CB INDIGO ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/year> with a balance of {$150.00}, which is being reported with a late payment. This information is false and inaccurate, as I have never made any late payments on this account. The reporting of this alleged delinquency violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to maintain maximum possible accuracy when reporting consumer information.

This incorrect late payment entry has negatively impacted my credit score and financial reputation. CB INDIGO has failed to provide any verified documentation or payment record proving that a late payment actually occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Im filing this complaint because the credit reporting agencies are reporting inaccurate and inconsistent information about a collection account from XXXX XXXX XXXX XXXX XXXX XXXX. 

TransUnion reports this account as open with a last activity date of XX/XX/year>, while Equifax lists it as closed with a different date and status. Both show the same balance, but the information conflicts across bureaus and theres no clear Date of First Delinquency, which is required under the Fair Credit Reporting Act ( FCRA ). 

This violates FCRA 607 ( b ) because the bureaus failed to ensure maximum possible accuracy, and also FCRA 623 ( a ) ( 5 ) for not reporting the proper Date of First Delinquency. Under Regulation V 1022.43, any data that can not be verified or corrected must be deleted yet this account continues to appear inaccurately. 

I have not received any written validation or proof from the original creditor or the collection agency showing this debt is legitimate. The data being reported between the credit bureaus is inconsistent, misleading, and harmful to my creditworthiness. 

I feel like the credit reporting agencies are taking advantage of me as a consumer, ignoring their duty to protect the accuracy of my report under federal law. I am demanding that this account be immediately deleted from all of my credit reports. If this matter is not resolved, I will pursue litigation for violations of the FCRA and seek damages as permitted under 616617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank charges me twice In a half of year after I closed my account and paid my balance in full. 
First they wanted {$30.00}. I convinced them that it is nit my charge. They agreed and sent me confirmation. Other amount came two weeks later. {$56.00}. This amount they did not ask together with {$30.00}. After they were convinced that {$30.00} it is wrong charge they made up a new amount- {$56.00}. 

They reported ton credit bureau in XXXX, 2025 {$54.00}. Numbers do not match. 
They made up the whole story. 

On my request to show me a statement- they refused and said they would talk to my attorney only. 

Obviously they just want me to lose more money and they are not interested in resolving the issue.

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 2025-11-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Dear CFPB / XXXX Investigative Team, I am submitting this dispute because a Portfolio Recovery Associates XXXX XXXXXXXX XXXX XXXX ) account continues to appear on my XXXX credit report, despite multiple disputes and submission of all required identity theft documentation. This account is not mine and is a product of identity theft. 

I have already submitted the following documentation to XXXX  : FTC Identity Theft Report Government-issued ID Proof of current address Written statements identifying this account as fraudulent under FCRA 605B Despite these submissions, this account continues to appear as verified, even though it is fraudulent and unverified. Under FCRA 605B, once a consumer provides an identity theft report and proof of identity, the account must be blocked and deleted within four business days. XXXX  has failed to comply with this legal requirement. 

Portfolio Recovery Associates has never provided any account-level validation, including the original signed agreement, charge-off statement, or itemized balance history. Their claim that validation is not required because the dispute was submitted through a credit bureau is legally incorrect. Under FDCPA 809 ( b ), reporting and collection must cease until validation from the original creditor is provided. 

Additionally, the account contains inaccurate and conflicting information, sometimes showing as charged-off but active, in violation of FCRA 607 ( b ) requiring maximum possible accuracy. Dates of first delinquency are inconsistent, suggesting re-aging, which violates FCRA 605 ( c ).

I am requesting that XXXX : Permanently delete this fraudulent Portfolio Recovery Associates tradeline under FCRA 605B.

Provide written confirmation of permanent deletion and assurances that it will not be reinserted without full documentary verification from the original creditor. 

Investigate why repeated disputes and identity theft documentation continue to result in verified reporting rather than deletion. 

I have followed all required steps, submitted proper documentation, and filed multiple disputes. Yet the account keeps returning, causing continued stress, harm to my credit, and financial difficulty. 

This repeated verification of a fraudulent account is unacceptable and a clear violation of my rights under FCRA and FDCPA. I request urgent intervention to permanently remove this account from my Equifax credit file. 

Supporting Documents Attached : FTC Identity Theft Report Government-issued ID Proof of Address Thank you for your prompt attention to this matter. I expect immediate investigation and permanent deletion under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
XXXX XXXX ( aka XXXX XXXX XXXX continues to furnish inaccurate information to XXXX  and XXXX, despite admitting in writing that this account was sold to XXXX XXXX XXXX on XX/XX/XXXX. Once a debt is sold, the original creditor loses ownership and the right to report it as an active debt. 

This conduct violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known or believed to be inaccurate and 1681s-2 ( a ) ( 2 ) failure to update or correct information once notice of inaccuracy has been received.

The U.S. District Court has consistently ruled that a furnisher who continues to report a sold or transferred debt is in violation of the FCRA : XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) held that furnishers have a duty to report accurate information and correct inaccuracies after notice of dispute. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) found that continuing to report a debt as delinquent after transfer or discharge is misleading and violates FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) held that reporting a charged-off account after sale is misleading because it implies the furnisher still owns the debt. 

Despite my certified dispute letter mailed XX/XX/XXXX, XXXX XXXX failed to provide validation. Instead, they later confirmed in an XX/XX/XXXX letter that the account was sold to XXXX. Yet the tradeline remains active under XXXX XXXX on both XXXX  and XXXX, while XXXX is no longer reporting. 

Additionally, Equifax continues to block access to my file, preventing me from confirming if XXXX Credits tradeline was removed or reinserted without notice a violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ) which require consumers be provided written results and details of any reinsertion.

Company response to consumer: Closed with non-monetary relief