vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an EOSCAR SYSTEM is being used to verify my disputes and that is not a reliable source for verification! 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for. 

Accounts : XXXX XXXX XXXX XXXX Systems : XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) 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, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
TransUnion reports different dates opened and shows a XXXX late for XX/XX/year>, while XXXX  shows XX/XX/year>. No supporting documentation has been provided even though more than 90 days have passed. To verify a late payment, TransUnion must obtain : Payment ledger ; Due dates ; Actual date of delinquency ; Documentation from the furnisher. 
None has been produced. 
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion reports XXXX late payments ( XXXX and XX/XX/year> ) that do not match XXXX  reporting. Under FCRA 611 ( a ), TransUnion must obtain original records proving the delinquency. None have been supplied. 
XXXX XXXX XXXX XXXX XXXX TransUnion is reporting XXXX charge-offs with dates and high balances that do not match XXXX. To verify a charge-off, TransUnion must obtain : The signed contract ; Full payment history ; DOFD ; Charge-off calculation ; Statements supporting the balance. 
No documentation has been provided. 
XXXX Incorrect Account Classification TransUnion reports the account as collection/charge-off, whereas XXXX  reports it as repossession. These can not both be correct. For a repossession : Repossession order ; Voluntary/involuntary documentation ; Notice of intent to sell ; Sale documents ; Deficiency calculation ; DOFD must be provided. TransUnion has provided none of this. 
XXXXXXXX XXXX XXXX XXXX Late Payment Sequence Errors TransUnions reporting shows erratic late payment sequencing ( a XXXX late without proper XXXX foundation ). For accuracy under Metro-2, delinquency must be documented in sequential order with supporting records. TransUnion has not provided any proof of delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Verification Failure TransUnion reports this collection but has not provided : Validation of debt ; Proof of ownership ; Chain of title ; DOFD ; Documentation showing the amount is accurate and collectible. 
This is required under both FDCPA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Sent XX/XX/XXXX I am formally requesting that you cease and desist all communication with me regarding any alleged account ( s ) that you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Additionally, if this letter is addressed to a credit bureau, I am requesting that you investigate and remove any inaccurate, incomplete, or unverifiable information being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I do not consent to any further phone calls, text messages, or emails regarding this matter. All communication should be in writing only and sent to the mailing address listed above. 
If you believe that the reported information is accurate, please provide full validation of the debt, including : 1. The name and address of the original creditor ; 2. The date and amount of the alleged debt ; 3. Proof that you have the legal right to collect or report this debt ; 4. Any supporting documentation verifying that I am legally obligated to pay this debt.

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 2025-11-15 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 previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : SEE ATTACHED

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 2025-11-15 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: TX

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : SEE ATTACHED

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 2025-11-15 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: NJ

Complaint narrative:
I am filling this complaint because Experian has failed to comply with my FCRA 605B Identity theft block request. on XX/XX/XXXX i submitted all required documents including ftc identity theft report government id proof of address and highlighted credit report showing fraudulent accounts. 
the bureau has not blocked or removed the fraudulent information as required by law. this failure is harming my ability to obtain housing and credit Fraudulent Tradelines ( as shown on my report : XXXX  XXXX acct ending in [ XXXX reported balance {$380.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$16000.00} status : [ Collection/Charge-off/Late pays ] XXXX acct ending in XXXX reported balance {$180.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX acct ending in XXXX reported balance {$920.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$1600.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending XXXX reported balance {$680.00} status : [ Collection/Charge-off/Late pays ]

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 2025-11-15 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 filling this complaint because Experian has failed to comply with my FCRA 605B Identity theft block request. on XX/XX/XXXX i submitted all required documents including ftc identity theft report government id proof of address and highlighted credit report showing fraudulent accounts. 
the bureau has not blocked or removed the fraudulent information as required by law. this failure is harming my ability to obtain housing and credit Fraudulent Tradelines ( as shown on my report : XXXX  XXXX acct ending in [ XXXX reported balance {$380.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$16000.00} status : [ Collection/Charge-off/Late pays ] XXXX acct ending in XXXX reported balance {$180.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX acct ending in XXXX reported balance {$920.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$1600.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending XXXX reported balance {$680.00} status : [ Collection/Charge-off/Late pays ]

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX to XXXX XXXX {$750.00} I did not open this account. Identity theft.

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 2025-11-15 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: SC

Complaint narrative:
To whom it may concern, I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. I am aware that an EOSCAR SYSTEM is being used to verify my disputes and that is not a reliable source for verification! 
I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for. 

Accounts : XXXX XXXX XXXX XXXX Systems : XXXX XXXX XXXX XXXX According to 15 U.S.C. 1681b ( f ) : A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) 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, or ( 2 ) in accordance with the written instructions of the consumer to whom it relates, or ( 3 ) to a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... '' I assert that I never provided written consent for you or these entities to obtain or furnish my credit information. As such, I request an immediate investigation into these matters.

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 2025-11-15 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: CL Holdings LLC
State: IL

Complaint narrative:
I am filing a formal complaint regarding Jefferson Capital Systems. They are reporting a collection account allegedly originated from XXXX for {$760.00}. This information is inaccurate, incomplete, and unverifiable. 

Jefferson Capital is in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) for the following reasons : FCRA 623 ( a ) ( 1 ) ( A ) Reporting information they can not verify with the original creditor. XXXX has not validated this debt. 

FCRA 602 ( A ) They are not meeting the standard of maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) After my prior dispute, Jefferson updated the tradeline without providing the method of verification. This violates my right to reinvestigation.

FCRA 611 ( a ) ( 5 ) They failed to delete information that can not be verified.

FDCPA 809 ( b ) Jefferson Capital did not provide proper debt validation after being requested. They continued collection activity and reporting anyway, which is illegal.

FCRA 623 ( a ) ( 3 ) They continue to report the account as verified despite unresolved disputes.

The account is reporting inconsistent dates between XXXX XXXX XXXX which is proof that the information is unreliable and can not be verified.

I am requesting the CFPB to compel Jefferson Capital Systems to provide full validation or delete this tradeline permanently from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I never filed for a bankruptcy. Will your company please delete my past history and the associated tradeline posted with each respective credit bureau as a one time profesional courtest. Thank you.

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 2025-11-15 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: CO

Complaint narrative:
Subject : Request for Removal/Blocking of Fraudulent Information Identity Theft Reference : Rights under the FCRA 15 U.S.C. 1681c-2, 1681i, 1681s-2 I hereby request the immediate removal and blocking of a credit account that appears on my credit report and was opened without my authorization as a result of identity theft. This account is entirely fraudulent and is not associated with me in any way. 

Information regarding the fraudulent account : Creditor name : XXXX  XXXX Account number : XXXX Date it appeared : XX/XX/year> 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 2025-11-15 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX 

My credit report shows this account ( Account No. XXXX ) as Paid, Closed, yet multiple late payments continue to be reported : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX days late : XXXX XXXX XXXX days late : XXXX XXXX XXXX  days late : XX/XX/XXXX This reporting is inaccurate and misleading for the following reasons : A paid, closed account can not continue to report new delinquencies. 

The account is missing key required data, including : balance, past-due amount, updated balance date, monthly payment, and complete payment history. 

Reporting delinquencies without reporting the corresponding past-due amount or balance is incomplete and unverifiable, violating FCRA 607 ( b ). 

Several months show ND ( no data ), confirming inconsistent and unreliable reporting. 

I disputed this item with the credit bureau, but it came back updated with the same inaccurate information. 

The information being reported is incomplete, unverifiable, and inaccurate, and it is damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX XXXX 

My credit report shows this account ( Account No. XXXX ) as Paid, Closed, yet multiple late payments continue to be reported : XXXX days late : XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX days late : XXXX XXXX XXXX days late : XXXX XXXX XXXX  days late : XX/XX/XXXX This reporting is inaccurate and misleading for the following reasons : A paid, closed account can not continue to report new delinquencies. 

The account is missing key required data, including : balance, past-due amount, updated balance date, monthly payment, and complete payment history. 

Reporting delinquencies without reporting the corresponding past-due amount or balance is incomplete and unverifiable, violating FCRA 607 ( b ). 

Several months show ND ( no data ), confirming inconsistent and unreliable reporting. 

I disputed this item with the credit bureau, but it came back updated with the same inaccurate information. 

The information being reported is incomplete, unverifiable, and inaccurate, and it is damaging my credit profile.

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 2025-11-15 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: 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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The letter that I will attach clearly states that until this matter was taken care of, which took over XXXX years, synchrony bank advised be in this letter to not make payments.

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 2025-11-15 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: LA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
I never filed for a bankruptcy. Will your company please delete my past history and the associated tradeline posted with each respective credit bureau as a XXXX time profesional courtest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
THIS ENTRY IS NOT MINE AND APPEARS TO BE FRAUDULENT.

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 2025-11-15 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from 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