vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-14 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: GA

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023

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 2025-04-14 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023

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 2025-04-14 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: VA

Complaint narrative:
XXXX XXXX {$440.00}, XX/XX/XXXX {$830.00} XXXX XXXX. They dont know because debt. Was purchased from a third party now banned. XXXX XXXX XX/XX/XXXX {$1400.00}. This debt from a closed and paid off title loan from XXXX. XXXX  XXXX XX/XX/XXXX {$300.00} is an open account. In good standing.

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 2025-04-14 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: VA

Complaint narrative:
XXXX XXXX {$440.00}, XX/XX/XXXX {$830.00} XXXX XXXX. They dont know because debt. Was purchased from a third party now banned. XXXX XXXX XX/XX/XXXX {$1400.00}. This debt from a closed and paid off title loan from XXXX. XXXX  XXXX XX/XX/XXXX {$300.00} is an open account. In good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Securus J Holdings, LLC
State: ID

Complaint narrative:
The company is Jpay ; several months ago, I received an email that my password had changed and that I had sent someone XXXX dollars. I didn't change my password, I didn't send anyone XXXX dollars. I logged into my account, and behold, there were XXXX dollars sent to an inmate I do not know. I immediately contacted support. I sent XXXX emails but I no longer have the records of sending them as I clean out my mailbox regularly. From the looks of it, someone contacted support using XXXX XXXX  tactics and reset my password. They then used my account to send money with a stolen credit card. 

I would like to say again that I reported this the same day, within an hour of this happening. Recently, I got online to add XXXX  to my account so I could write my father, XXXX XXXX, who is an XXXX and is the reason I have a Jpay account. I can't log into my account ; I tried to reset my password, but I still have no access to my account. I emailed support last week, and this time, they told me there was a chargeback and that they would not let me use my account until I paid XXXX. Again, this was something I never authorized ; they gave a hacker access to my account, they let a hacker add the card, and they let a hacker send money to someone I do not know. 

They have a monopoly on prison tablets, so I can not add stamps or texts to speak with my father. I am the only person in the world this man has on the outside. I am a XXXX  XXXX  who lives paycheck to paycheck ; My bank account is regularly in the red. I need access to this account. It's not my fault someone HACKED THEIR SYSTEM and sent money from my account. I have never charged back anything. This is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
Im deeply concerned that my credit report continues to reflect inaccurate and incomplete information. Despite multiple efforts to resolve this, the errors remain and are unfairly affecting my credit standing.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Good afternoon. 

My name is XXXX XXXX, and I am a Citi Bank client. I used to have a checkings account with the bank, however it was closed without notice recently. 

I currently only have a credit card account active. 

I have banked with the institution for several years and I did not expect for the bank institution to close my bank account without proper notice. 

This bank account was the only source where my income was sent and my finances paid. This cancellation has become the biggest inconvenience to my family and I have made attempts to receive support from your institution for some time now. I have called Citi Bank, and I am told I am going to be called back at a later time. It should be noted, I have not been contacted by Citi bank via phone call to this date. 

I have made attempts to go to my local Citi Bank institution for support, and then prompted to call the call center. 

My frustration and patience has been exhausted. 

I would greatly appreciate if you could assist with this matter in some way mediate my concerns.

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 monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report also lists a XXXX  record that I believe is either inaccurate or unverifiable. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an entirely accurate credit report. I am requesting a review of this XXXX  entry and, if it can not be substantiated, its removal.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: IL

Complaint narrative:
The late payments reported on my account are inaccurate on all three credit bureaus reports. 15 U.S.C. 1681i ( FCRA ) this company failed to properly investigate or remove the inaccurate late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: LA

Complaint narrative:
I was not informed that a payment was due on this account.

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 2025-04-14 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX, XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a 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 non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation and verify any disputed items within 30 days. To ensure compliance, I am requesting specific information regarding your verification process : 1. What method was used to verify the accuracy of this account?

2. Who specifically verified this information, and what are their credentials?

3. Please provide a copy of any documentation that was used to verify the account.

4. Was the furnisher of this information contacted directly? If so, on what date? 
5. Did the furnisher provide any signed contracts, account applications, or other original documentation proving my liability for this debt?

6. Under what permissible purpose ( 15 U.S.C. 1681b ) is this account being reported on my credit file?

7. If this account is considered verified, please provide the name, address, and contact information of the entity that verified it.

8. How was the date of last activity ( DOLA ) or date of first delinquency ( DOFD ) verified?

9. Is this account being reported as a charge-off? If so, provide documentation proving the original creditor followed GAAP ( Generally Accepted Accounting Principles ) when charging off the debt.

10. Is this account being reported as sold or transferred? If so, who is the current legal owner of the debt, and what proof do you have that they have the right to report it?

11. Are there any third parties that have accessed my credit report without my authorization? If so, please provide a list of all inquiries made and the permissible purpose under 15 U.S.C. 1681b.

12. Have any automated systems ( such as e-Oscar ) been used in the dispute process? If so, how do you ensure that my dispute was handled in compliance with 15 U.S.C. 1681i?

13. Was this item investigated manually, or was the investigation solely based on electronic responses from the furnisher?

14. If this information can not be verified with legal documentation, when will it be removed from my credit report as required by law?

15. If this account is outside of the statute of limitations for reporting ( per 15 U.S.C. 1681c ), when will it be removed from my report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: IL

Complaint narrative:
I am filing this dispute because TransUnion has willfully violated multiple sections of the Fair Credit Reporting Act ( FCRA ) and ignored my legal rights. 

I have submitted multiple disputes regarding fraudulent and inaccurate information on my credit report.These accounts are a result of identity theft, which I have substantiated with a police report and valid identity affadavit as defined under FCRA 1681 C-2. 

Despite this, the credit bureau has : -Failed to block or remove fraudulent accounts within 4 business days as required under FCRA 1681 C-2 -Continued to report inaccurate and harmful information, violating FCRA 1681 e ( b ) which requires maximum possible accuracy -Neglected to properly investigate disputes submitted under FCRA 1681i -Failed tp provide business records related to identity theft, violating FCRA 1681 g ( e ) -Ignored requests for fraud alerts, violating FCRA 1681 c-1 This has caused damage to my credit, emotional distress, and has limited my financial opportunities. I have attached copies of the police report, court documents, and identification along with previous disputes I was able to obtain. Yet the credit bureau continues to verify and retain false information without proper investigation The accounts are added below : 1. 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 XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-04-14 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-14 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: NY

Complaint narrative:
XXXX XXXX XXXX ( a retail installment or lease provider ). opened XX/XX/XXXX, credit limit {$1700.00}, XXXX {$3800.00} ( high balance ), Status Open/Never late updated XX/XX/XXXX. Last payment was XX/XX/XXXX. No activity for years, yet still shown as an open revolving account with massive over-limit balance. 

Never late but XXXX  % utilized for years makes no sense either the account was charged off or something is wrong. MDGs lack of updates violates its duty to report correct status. 

This account is incorrectly reported as open/current. In reality, it has had no activity since XXXX and should have been reported as defaulted. This is clearly inaccurate and/or outdated. 

Because the furnisher has not updated this account in years, it fails the accuracy and completeness requirements of the FCRA. Please delete this account from my file, as it appears unverifiable and misleading.

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