vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am writing in response to your [ letter/phone call ] dated [ date ] regarding the debt you allege I owe. This letter is a formal request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The name and address of the original creditor.

The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges.

A copy of the original signed agreement or contract that shows I agreed to assume this debt.

Proof that you are licensed to collect debts in my state.

A complete payment history, showing how the alleged amount was calculated.

Until you provide the requested documentation, and while this debt is in dispute, you must cease all collection activities, including reporting to any credit reporting agencies.

If you have already reported this debt to the credit bureaus, please inform them that it is in dispute in accordance with the FDCPA.

This request is not an acknowledgment that I owe this debt, and it is not a refusal to pay. I am simply exercising my rights under federal law to have the debt validated.

Please respond within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint because TransUnion has failed to update my legal name on my credit report after multiple written requests, despite providing all required identification. 

My correct legal name is XXXX XXXX. 
TransUnion continues to report my name incorrectly as XXXX XXXX XXXX. 

On XX/XX/2025 and again on XX/XX/2025, I mailed TransUnion written requests to update my name to the correct legal version. Each request included : A copy of my government-issued photo ID ( Drivers License ) A copy of my Social Security Card Proof of current address ( utility bill ) XXXX  and XXXX  updated my name correctly after receiving the same documentation. TransUnion has not. 

This incorrect name is causing potential confusion in my credit profile, could result in mixed files, and is a violation of my rights under the Fair Credit Reporting Act ( FCRA 611 ), which requires consumer reporting agencies to correct inaccurate or incomplete information promptly.

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 2025-08-11 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: VA

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

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

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I TRIED TO TELL THE CREDIT BUREUS THAT THE BANK OF AMERICA ACCOUNTS THAT THEY ARE REPORTING ON MY CREDIT REPORT ARE BEING MIXED UOP WITH SOMEONE ELSE BECASUE THOSE ARENT MINE THERE ARE WAYY TOO MANY AND I HAVE ONE WHICH I AM ONLY LATE ON. I DO NOT OWE XXXX  OF DOLLARS TO BANK OF AMERICA. 

THIS ONE IS MINE : BANK OF AMERICA - XXXX THESE ARE N OT MINE AND THEY ARE REPORTING THAT OI OWE XXXX  OFDOLLARS AND THEY HAVE NOT SENT ME VERIFICATION THAT THESE ARE MIONE BWCASUE THEY CANT. WHY? BECAUSE THEY DO NOT BELONG TO ME. I AM TRYING TO PURCHASE A HOME AND I CANT BECAUSE OF THESE ACCOUNTS WHICH ARE BEING MIXED WITH MY INFORMATION BANK OF AMERICA XXXX XXXX BANK OF AMERICA XXXX XXXX BANK OF AMERICA - 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX  GA XXXX TransUnion XXXX XXXX XXXX XXXX  PA XXXX Re : Formal Dispute Fraudulent Collection Accounts Reporting on My Credit Report To Whom It May Concern, I am submitting this dispute in connection with my FTC Identity Theft Affidavit and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681s-2, 1681i, and 1681e ( b ), as well as the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692c, 1692e, and 1692g. The following collection accounts are fraudulent, not mine, and are the result of identity theft. I have never opened, authorized, or benefited from these accounts, and therefore they must be permanently deleted from my credit file immediately : XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$340.00} Under 15 U.S.C. 1681c-2, upon receipt of proper identity theft documentation which I have already provided you are legally required to block and remove all information related to these fraudulent accounts from my credit report within 4 business days. Continued reporting of these accounts after being notified constitutes willful noncompliance under the FCRA and a violation of the FDCPAs prohibitions against the collection and reporting of debts not owed. Additionally, under 15 U.S.C. 1692e, it is unlawful to communicate or report any information known to be false, including the representation of a debt that is not owed. You have a statutory obligation to conduct a reasonable investigation under 15 U.S.C. 1681i. Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing legal remedies available under both FCRA and FDCPA for damages and injunctive relief. This letter serves as my formal demand for the immediate and permanent deletion of the above-referenced accounts from all of my credit files. I expect full compliance within the timeframes mandated by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX  GA XXXX TransUnion XXXX XXXX XXXX XXXX  PA XXXX Re : Formal Dispute Fraudulent Collection Accounts Reporting on My Credit Report To Whom It May Concern, I am submitting this dispute in connection with my FTC Identity Theft Affidavit and in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, 1681s-2, 1681i, and 1681e ( b ), as well as the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to 15 U.S.C. 1692c, 1692e, and 1692g. The following collection accounts are fraudulent, not mine, and are the result of identity theft. I have never opened, authorized, or benefited from these accounts, and therefore they must be permanently deleted from my credit file immediately : XXXX XXXX XXXX XXXX  {$1100.00} XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX  {$1700.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$340.00} Under 15 U.S.C. 1681c-2, upon receipt of proper identity theft documentation which I have already provided you are legally required to block and remove all information related to these fraudulent accounts from my credit report within 4 business days. Continued reporting of these accounts after being notified constitutes willful noncompliance under the FCRA and a violation of the FDCPAs prohibitions against the collection and reporting of debts not owed. Additionally, under 15 U.S.C. 1692e, it is unlawful to communicate or report any information known to be false, including the representation of a debt that is not owed. You have a statutory obligation to conduct a reasonable investigation under 15 U.S.C. 1681i. Failure to comply will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursuing legal remedies available under both FCRA and FDCPA for damages and injunctive relief. This letter serves as my formal demand for the immediate and permanent deletion of the above-referenced accounts from all of my credit files. I expect full compliance within the timeframes mandated by law. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-11 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-11 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I talked to different individuals through the customer support site to confirm why I was getting denied for my application for the elevated bonus for the Sapphire Reserve. They confirmed I don't have an active sapphire card/product ( downgraded my preferred back in XXXX or XX/XX/year>2025 ), never owned a reserve card, and has been more than 48 months since I got a bonus on the preferred ( which is also no longer a rule ). Elevated bonus is expiring soon - and want to be able to apply and get the card, but continue to be denied, with no real explanation that makes sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to report multiple fraudulent accounts appearing on my credit report. These accounts were never opened, authorized, or associated with me in any capacity. They are inaccurate and present a false depiction of my financial history. As a consumer, I rely on the accuracy of my credit report for fair treatment in financial and personal matters. The reporting of these false accounts violates the principle of accuracy and causes unwarranted harm to my standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved.

This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief