vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX Re : Cease and Desist / Request for Debt Validation Account Number : [ Insert Account Number, if known ] Dear Jefferson Capital Systems , LLC, I am writing in response to a [ XXXX ] received from your agency on [ insert date ]. This communication is in regard to the alleged debt referenced above. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g et seq., I am formally requesting validation of the alleged debt. Please provide all documentation that proves I am legally obligated to pay the debt you claim I owe, including but not limited to : The name and address of the original creditor ; The exact amount of the alleged debt, including a breakdown of principal, interest, and any fees ; A copy of the original agreement or contract bearing my signature ( if applicable ) ; Documentation showing that your agency has the legal authority to collect on this debt ; Proof that the debt is within the applicable statute of limitations under Georgia law.

Additionally, in accordance with 15 U.S.C. 1692c ( c ), I hereby request that you cease all further communication with me regarding this matter, except to provide the requested documentation or to notify me of specific legal actions you intend to take. 

Please note that any failure to comply with this request XXXX result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the Georgia Attorney XXXX XXXX XXXX 

You are hereby instructed not to contact me via phone, text, or at my place of employment. All communication must be in writing and sent to the mailing address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Experian Inquiries : XXXX XXXX : XXXX XXXX. XXXX XXXX : XX/XX/year>. XXXX XXXX : XXXX XXXX. TransUnion Inquirires : XXXX  : XXXX XXXX. XXXX : XXXX XXXX. 
Equifax Inquiries : XXXX XXXX : XXXX XXXX. COMENITYCAPITAL/AAAR : XXXX XXXX. 

XXXX 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 2025-10-16 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: CA

Complaint narrative:
Experian Inquiries : XXXX XXXX : XXXX XXXX. XXXX XXXX : XX/XX/year>. XXXX XXXX : XXXX XXXX. TransUnion Inquirires : XXXX  : XXXX XXXX. XXXX : XXXX XXXX. 
Equifax Inquiries : XXXX XXXX : XXXX XXXX. COMENITYCAPITAL/AAAR : XXXX XXXX. 

XXXX XXXX, ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).


Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The 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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The 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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per 15 U.S. Code 1681g, the disputed accounts need to be removed within the required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im unaware of this debt I did not have the opportunity to dispute this information if in fact, you believe you gave me proper notification please send me the certified receipt with my signature on it stating I received it to. Requested Action : XXXX. Provide certified mail receipts and signature verification of notification, if available. 

XXXX. Delete or remove all unverified or inaccurate collection accounts from my Equifax report. 

These items are negatively affecting my credit profile and were reported without my knowledge, consent, or validation, in violation of federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received an email from Truist Bank that my email address had been added to my customer profile. The email is legitimate, but I am not, nor have I ever been, a customer of Truist or any of its subsidiaries. The account is fraudulent. Calling Truist customer service and fraud departments never gets me to a person. I just sit on hold endlessly. Truist is making it impossible to resolve bank fraud.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt.

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2025-10-16 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: IL

Complaint narrative:
I am submitting this complaint regarding the inaccurate and misleading reporting of an account on my credit report. 

The account in question is being reported as Closed with a {$0.00} balance, yet it also reflects a status of Paid as agreed. These XXXX statements conflict under the Fair Credit Reporting Act ( FCRA ) and create confusion in the reporting of my credit history. FCRA 602 ( A ) & 607 ( b ) Credit reporting agencies and furnishers must ensure maximum possible accuracy in the information reported. Reporting a closed account as paid as agreed is contradictory and misrepresents the true payment status of the account. 
XXXXFCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information may not report information that it knows or has reasonable cause to believe is inaccurate. Since a XXXX balance and paid as agreed status can not coexist accurately once an account is closed, this reporting violates this section. 
XXXX.FCRA 611 ( a ) Upon a consumers dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. I have previously disputed this account, and it continues to reflect inaccurately. 
XXXXFCRA 605 ( b ) Even if the account was previously accurate, outdated or misleading status codes must be updated or removed to maintain accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding the inaccurate and misleading reporting of an account on my credit report. 

The account in question is being reported as Closed with a {$0.00} balance, yet it also reflects a status of Paid as agreed. These XXXX statements conflict under the Fair Credit Reporting Act ( FCRA ) and create confusion in the reporting of my credit history. FCRA 602 ( A ) & 607 ( b ) Credit reporting agencies and furnishers must ensure maximum possible accuracy in the information reported. Reporting a closed account as paid as agreed is contradictory and misrepresents the true payment status of the account. 
XXXXFCRA 623 ( a ) ( 1 ) ( A ) A furnisher of information may not report information that it knows or has reasonable cause to believe is inaccurate. Since a XXXX balance and paid as agreed status can not coexist accurately once an account is closed, this reporting violates this section. 
XXXXFCRA 611 ( a ) Upon a consumers dispute, the credit reporting agency is required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. I have previously disputed this account, and it continues to reflect inaccurately. 
XXXXFCRA 605 ( b ) Even if the account was previously accurate, outdated or misleading status codes must be updated or removed to maintain accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I confirm I am not connected to these creditors and never consented to this inquiry. Please remove it promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: DC

Complaint narrative:
XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Adverse information to be blocked INQUIRIES Inquirer : XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ; On Behalf Of : XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX : XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  On Behalf Of : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX On Behalf Of : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX XXXX On Behalf Of : XXXX  XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX  XXXX On Behalf Of : XXXX XXXX XXXX XXXX Inquiry Date : 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 2025-10-16 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: GA

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Creditor XXXX : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor XXXX : XXXX XXXX, Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation