vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XX/XX/XXXX, Equifax XXXX. XXXX XXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3 rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.

Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXXXXXX XXXX NOTE : Please also remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX Attached : Copy of my Social Security Card & Drivers License is attached Sent : USPS Certified Mail Take these cards down to your copy center and make clear copies of both on one sheet. 
They must be legible or else the credit bureaus will reject them. 






COPY of SSN CARD COPY OF ID CARD ( Drivers License, Passport or State ID Card )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-21 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: TX

Complaint narrative:
Experian I am forwarding this dispute to my attorney to file in court as i stated when you ignored my request for the information on my XXXX, contacting the furnisher and not getting the documents i requested show me you did not read or just dont care to respond, you did no investigation because I can and have request the information you have time to respond to my request before my attorney files so make it quick enclosed again is my request for information every time you send this XXXX XXXX letter in response that and other violation. respond through the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
Subject : Request for Removal of Inaccurate Credit Information Name and Account Number : Jefferson capital systems ( XXXX XXXX  ) Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of inaccurate information from my credit report, as governed by the consumer laws and regulations outlined by the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report and was disheartened to discover that it contains erroneous information that is negatively impacting my creditworthiness. It is essential that this inaccurate information be rectified promptly to ensure the fairness and accuracy of my credit profile.Under the FCRA, consumers have the right to dispute any incomplete or inaccurate information appearing on their credit reports. The Act mandates that credit bureaus investigate these disputes within a reasonable timeframe, generally 30 days, and correct or delete any information found to be inaccurate, incomplete, or unverifiable.I would like to bring to your attention the following inaccurate on my credit report Jefferson capital systems XXXX XXXX, an account that does not belong to me. I kindly request that you conduct a thorough investigation into these discrepancies and promptly remove the inaccurate information from my credit report. I also urge you to notify all creditors and data furnishers involved to ensure the correction is reflected across all sources. It is essential to emphasize that the FCRA places a legal obligation on credit bureaus to ensure the accuracy and integrity of the information they report. Consumers rely on this information to make important financial decisions, and any inaccuracies can have severe consequences on their financial well-being. Furthermore, I would like to remind you of the penalties imposed under the FCRA for non-compliance with its provisions. Should you fail to investigate and correct the inaccuracies within the specified timeframe, I will not hesitate to pursue legal action to protect my rights as a consumer. I kindly request that you acknowledge the receipt of this letter within 15 days and provide me with written confirmation of the actions taken to address my dispute. Additionally, I request that you provide an updated copy of my credit report once the necessary corrections have been made. Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and adhere to the consumer laws and regulations set forth by the FCRA. I look forward to a swift resolution and the restoration of accurate information on my credit report. 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA, XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am writing to dispute the accuracy and legitimacy of several hard inquiries listed on my credit report. These entries were made without my consent and do not correspond to any applications or transactions Ive initiated.

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 2025-07-21 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: AL

Complaint narrative:
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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing to formally request verification of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I recently became aware of a collection account listed under my name, and I dispute the validity of this alleged debt. 

Pursuant to my rights under the FDCPA, please provide the following information : The name and address of the original creditor. 

The date the debt was incurred and the amount of the original debt. 

An itemized statement explaining how the alleged amount was calculated, including any interest, fees, or other charges. 

A copy of the signed contract or agreement that authorizes you to collect this debt on behalf of the original creditor. 

Documentation proving that you have the legal authority to collect this debt in my state. 

Until you provide the requested verification, you are required by law to cease all collection activities, including reporting this account to the credit bureaus. Reporting unverifiable debt may constitute a violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

Please respond to this request in writing within 30 days of receipt of this letter. If you can not provide the requested verification, you must remove this account from your records and stop all collection activity immediately. 

I look forward to your prompt response. 

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 explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$38.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00}

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 2025-07-21 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: NJ

Complaint narrative:
Account name : XXXX - XXXX Account number : XXXX I am writing to formally dispute the above-referenced account appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically * * Section 605B ( 15 USC 1681c-2 ) * *, I am requesting that you immediately block and delete any information related to this account that may be the result of identity theft, error, or inaccurate reporting.

Additionally, under * * FCRA Section 623 ( a ) ( 6 ) * *, data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. I am exercising my rights under * * FCRA Section 611 * * to request an investigation and under * * Section 615 ( f ) * * to demand full disclosure of the procedure used in your verification process. In accordance with the Fair Credit Reporting Act, Account XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C. 1681 Section 602a states that I have the right to privacy. 15 U.S.C. 1681 Section 604 states that a consumer reporting agency can not furnish an account without my written consent and instructions.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
XXXX  Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX RE : Dispute of Inaccurate Late Payment Reporting Student Loan Account To Whom It May Concern, I am writing to dispute inaccurate late payment history on the following account listed on my XXXX  credit report : Account Type : Education Loan Account Opened : XX/XX/XXXX Status : Transferred, Closed ( XX/XX/XXXX ) Original Balance : {$1700.00} This account shows 90-day delinquencies in XXXX, XXXX, and XXXX of XXXX, which I believe are inaccurate and misrepresent the true standing of the account at the time it was closed or transferred. 

To support this claim, I am requesting that XXXX  conduct a full investigation into this account. If no verified evidence of those delinquencies can be produced, I respectfully ask that the negative marks be removed and the account updated accordingly. 

Please find enclosed supporting documentation [ if you have payment or transfer proof ]. 

This dispute is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and I request that this item be investigated and corrected or deleted within the required 30-day period.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: NC

Complaint narrative:
I Ordered XXXX XXXX From XXXX XX/XX/year>. 

My Auto Fill Put My Address Down From Almost 5 Years Ago In GA I Live In NC I Reached Out On The XXXX Of XXXX To XXXX Chat Customer Support. 

I Told Them I Needed An Address Change Or A Cancellation. 

They Assured Me That Upon Delivery It Would Be Refunded. XX/XX/XXXX I Reached Out XX/XX/XXXX As I Was Gain Interest On XXXX Klarna Account For This XXXX XXXX. 

They Told Me I Didn't Fill Out An " Incident Form '' The Customer Service Chat Never Gave Me Nor Told Me I Needed To. 

When I Did A Few Days Ago I Called Both XXXX XXXX Klarna XXXX XX/XX/year> Klarna Rejected My Information Because XXXX Won't Refund. 
XXXX Says It's Outside The Return Window For My Order I NEVER Received. 

Again I Was Told XX/XX/XXXX Through Their Customer Support Chat I Would Be Refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX 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 XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief