vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXnExperianXXXX XXXX XXXX XXXX XXXXn\nSubject: Formal Dispute of Inaccurate/Negative Items Under FCRA  Request for Immediate Deletion\nDear Experian,\nI am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act (FCRA), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act (FACTA) from the harmful impact of identity theft and data misuse.\nGiven the XXXX data breach of XXXX, in which the personal information of over 147 million Americansincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent "Mother of All Breaches" (MOAB) in XXXX, as well as the XXXX XXXX breach exposing over 16 billion passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification.\nDue to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information cannot be 100% verified with original source documentation:\nAccounts in Dispute:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nAccording to the FCRA:\n\tYou must complete your reinvestigation within 30 days of receiving this dispute.\n\tIf an item cannot be verified, it must be deleted from my credit report.\n\tYou are also required to notify me in writing of the results of your investigation.\nAdditionally, I demand you provide:\n1.\tThe name, address, and contact information of each data furnisher for the accounts in question.\n2.\tA description of the procedure used to determine the accuracy and completeness of the information.\n3.\tProof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.\nFailure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my state Attorney Generals office.\nAs a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information.\nPlease confirm receipt of this letter and inform me once the disputed information is deleted.\nSincerelyXXXX 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 2025-10-15 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: FL

Complaint narrative:
I am submitting this complaint because Jefferson Capital Systems , LLC is reporting inaccurate and unverifiable information on my credit reports witXXXX XXXX XXXX XXXX XXXX 



The account in question allegedly originated from XXXX XXXX and is now being reported by Jefferson Capital Systems as a collection account with a balance of {$1700.00}. However, the company has failed to provide any legal validation or documentation confirming the debts accuracy or ownership, despite multiple written disputes and requests submitted more than 60 days ago.

Jefferson Capital has not provided a copy of the original application or agreement bearing my handwritten signature, nor any chain of assignment showing they legally purchased or were authorized to collect this account. In addition, the dates of delinquency, balance amounts, and reporting status differ across credit bureaus indicating violations of FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 623 ( a ) ( 5 ) ( accurate reporting of date of first delinquency ).

The companys continued reporting without proper validation also violates FDCPA 809 ( a ) ( failure to validate debt upon request ) and Metro-2 compliance standards, which require factual and uniform reporting. This inaccurate data has negatively affected my credit score, misrepresented my financial history, and caused measurable harm to my creditworthiness.

I am requesting that the CFPB require Jefferson Capital Systems , LLC to provide full validation of the alleged account, including the original signed application and proof of assignment, or remove the unverifiable account from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Letter to TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Formal Dispute of Inaccurate Collection Account XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the reporting of a collection account by XXXX XXXX XXXX on my TransUnion credit file. This reporting is inaccurate, incomplete, and unverifiable, violating both the FCRA and FDCPA. 

XXXX. XXXX XXXX XXXX is not the original creditor. 
The original creditor listed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. As a debt buyer, XXXX must produce verified documentation establishing a legal assignment and right to collect. To date, no such documentation has been provided. 

Legal Basis : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) : A debt buyer must show competent proof of assignment. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Debt collectors are subject to the same verification standards under consumer law.

2. Violation of FCRA 611 ( a ) ( 1 ) ( A ) Failure to Reinvestigate.

Under 15 U.S.C. 1681i ( a ), the credit reporting agency must reinvestigate and remove unverifiable or inaccurate data. Unless XXXX XXXX XXXX provides authentic evidence ( assignment agreement, account statements, and original signed contract ), TransUnion must delete this entry immediately. 

XXXX. FDCPA Violations False or Misleading Representation. 
Per XXXX5 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 8 ), it is unlawful for a debt collector to report unverified information or misrepresent the legal status of a debt. XXXX XXXX reporting is therefore unlawful. 

XXXX. No Contractual Relationship. 
I have no contractual agreement or consent with XXXX XXXX XXXX. As held in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), a collector must have legitimate proof linking it to the consumer and the debt.

Action Requested : Under 15 U.S.C. 1681i, I request a complete reinvestigation. Unless XXXX XXXX XXXX can produce verifiable proof of : Original signed agreement, Full account and payment history, Legally binding assignment or bill of sale, then this collection must be deleted entirely from my TransUnion report within 30 days as required by law. 

Failure to comply will result in formal complaints to the CFPB, FTC, and Pennsylvania Attorney General. 

Please provide written confirmation of your investigation results and all documentation used for verification. 

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: NV

Complaint narrative:
I submitted a timely Validation of Debt request to JEFFERSON CAPITAL SYSTEM regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$52.00} and {$530.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, JEFFERSON CAPITAL SYSTEM failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
My information was stolen and was used to open this t mobile account without my consent this account does not belong 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
There were returned payment fees on my credit card account. I reached out to Citi to find out why are they charging me returned fee if my payment went through. They said even though your payment went through on the second try we still have the right to charge you for returned payment. I requested them to drop the charged, but they did not.

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 2025-10-15 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: NH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-15 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: MD

Complaint narrative:
I am writing to dispute the reporting of unauthorized and inaccurate accounts that appear on my credit file. I never opened or authorized these accounts and received no notice of their inclusion. The reporting is inconsistent across multiple credit bureaus, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires the maintenance of accurate consumer information.

This also constitutes a violation of 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) of disputed information, and 15 U.S.C. 1681g, which requires full and accurate disclosure of information held in a consumers credit file.

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 2025-10-15 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: MD

Complaint narrative:
I am writing to dispute the reporting of unauthorized and inaccurate accounts that appear on my credit file. I never opened or authorized these accounts and received no notice of their inclusion. The reporting is inconsistent across multiple credit bureaus, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires the maintenance of accurate consumer information.

This also constitutes a violation of 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) of disputed information, and 15 U.S.C. 1681g, which requires full and accurate disclosure of information held in a consumers credit file.

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 2025-10-15 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: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of one or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 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 explanation
Consumer complaint received 2025-10-15 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: Synovus Bank
State: GA

Complaint narrative:
On or about XX/XX/year>, I received a discharge order from a XXXX  XXXX filing. I have notiified all 3 credit bureas, however, XXXX  XXXX auto finanace and XXXX  XXXX  credit card refuse to remove the negative inquiry and continue to report the negative date as valid. i have provided these companies a copy of the signed discharge order, and they refuse to honor the order signed by a federal judge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
XX/XX/XXXX To : Experian Information Services, LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Subject : Request for Full Deletion of Inaccurate Bankruptcy Accounts Dear Experian Dispute Department, I am disputing the accuracy of several accounts listed on my Experian credit report that are being reported as Discharged through Bankruptcy XXXX XXXX yet continue to display postbankruptcy delinquencies, collections, and chargeoffs. These entries are inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX Account Number : XXXX Reported as Discharged through Bankruptcy XXXX XXXX but still shows late payments and chargeoff activity beyond my bankruptcy filing date. 
XXXX XXXX XXXX Account Number : XXXX Reported as discharged, but continues to list late payments and a chargeoff through XX/XX/XXXX, postbankruptcy. 
XXXXXXXX XXXX  XXXX Account Number : XXXX Listed as discharged, yet reflects chargeoff and delinquent activity well into XXXX, long after the bankruptcy filing. 
XXXX  XXXX Account Number : XXXX Reported as discharged through XXXX XXXX but shows collections and chargeoffs from XXXX through late XXXX. This is inaccurate and conflicts with the bankruptcy discharge order. 
Under the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681e ( b ) ( accuracy ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( deletion of unverifiable information ) Experian is required to maintain only accurate, verifiable, and complete information. Once an account has been included in a XXXX XXXX  bankruptcy, no further chargeoffs, late payments, or collection activity should appear following the bankruptcy filing date. The continued reporting of these negative marks is false, unverifiable, and damaging.

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 2025-10-15 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: CA

Complaint narrative:
I am following up on a prior dispute I submitted under FCRA 611 ( 15 U.S.C. 1681i ) concerning an account reporting inaccurately on my credit file. I included documentation clearly supporting my claim, yet the credit bureau failed to perform a reasonable reinvestigation within the required timeframe. There have been no meaningful updates, and the account continues to report with the same errors. I have not received any confirmation regarding the results of a reinvestigation or any explanation of how the information was verified. This inaction violates my rights under the Fair Credit Reporting Act. 
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 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 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 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 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MI

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX * -Date Opened XX/XX/XXXX -Balance {$2000.00} XXXX XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$3000.00} XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$1300.00} XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$18000.00} XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$0.00} XXXX XXXX XXXX # XXXXXXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$11000.00} XXXX XXXX  # XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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