vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
Company is not reporting correctly across all 3 Credit Reporting agencies- Account needs to be removed immediately before injunction is filed for Fraud against my good name.

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 2025-07-29 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: FL

Complaint narrative:
I'm filing this complaint because TransUnion is misreporting my employment status. I am currently self-employed, yet that information is not showing anywhere on my credit file. This omission is misleading, incomplete, and unfairly misrepresents my financial profile to lenders, insurers, and service providers who rely on accurate reporting. Under 15 U.S.C. 1681e ( b ), TransUnion is required to ensure the maximum possible accuracy of all information it maintains and reports. Ignoring my current self-employment status despite having proper documentation violates this legal duty. This failure has wasted my time and caused confusion in applications that require current employment verification. It also impacts my ability to be properly evaluated as a consumer. Such negligence falls under 15 U.S.C. 1681o, and if done willfully, triggers penalties under 15 U.S.C. 1681n, ranging from {$100.00} to {$1000.00} per violation. TransUnion is required by law to maintain complete and accurate data and must correct this immediately.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX As per Section 605 ( a ) of the FCRA, negative information such as late payments, charge-offs, and collections must be removed after seven years from the date of first delinquency. This account has exceeded the reporting period and should no longer appear on my credit file. 

Please investigate this matter and remove the account from my credit report. I have attached a copy of my ID and a utility bill for identity verification, as well as a copy of the credit report highlighting the account in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: FinCo Services Inc DBA Current
State: MO

Complaint narrative:
I have already done submit the requested documents to the fruad team at current the check account company that requested my documents over and over and over again and they kept my own hard earned money from me for a month and then they closed my account and XXXX  has decided to keep it on my credit report which has made my credit score go down XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
XXXX asking for your assistance to investigate accounts from these companies that inaccurately report late payments. Ive reviewed my credit report and found entries showing late payments where there shouldnt be anythese should not appear. Please remove those remarks and correct the accounts to reflect a positive status, as previously agreed

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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Called to pay bill in full. Was told total balance on XX/XX/XXXXXXXX  was {$3100.00}, paid {$3100.00}. Received a bill on XX/XX/XXXXXXXX  in the amount of {$15.00} for interest. Called on XX/XX/XXXX was told that the interest is not put in the bill until the bill is mailed off. I told them that is not the amount I was told when I called to pay the bill off. They said that is the way they do their billing, and I would have to pay this amount. I will pay the {$15.00}, because I know if they are willing to do this then they will charge me on a passed due amount on the interest they made up. This is illegal and no different than loan sharking, madder of fact that is exactly what this is. Pathetic that a company such as this has the capability to do whatever they want and still operate to this extent, without any punishment.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the removal of an Auto loan removal account listed under my credit report. Upon reviewing my credit report, I have found that this account named XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 formally request the removal of an Auto loan removal account listed under my credit report. Upon reviewing my credit report, I have found that this account named XXXX is not mine / reporting incorrect information ]. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that is inaccurate, incomplete, or unverifiable.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
Complaint Regarding Jefferson Capital Systems Unverified and Unlawful Debt Collection Dear CFPB, I am submitting this formal complaint against Jefferson Capital Systems , LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to their attempt to collect a debt that has not been properly validated. 

Upon reviewing my credit report, I discovered that Jefferson Capital is reporting a collection account that I have no knowledge of and did not authorize. I have never received a proper validation notice as required under 15 U.S. Code 1692g of the FDCPA. Despite my requests, they have failed to provide sufficient documentation proving the validity of the alleged debt, including the original creditor, the itemized amount owed, or any signed agreement linking me to this account. 

In addition, reporting this account to the credit bureaus without proper verification is a violation of 15 U.S. Code 1681s-2 ( b ) of the FCRA, which requires data furnishers to ensure complete and accurate reporting and to investigate disputes in a timely and thorough manner. 

Their continued reporting of this unvalidated debt is causing harm to my creditworthiness and financial well-being, and I believe it constitutes unfair, deceptive, and abusive practices under federal consumer protection laws.

Resolution Requested : I respectfully request that the CFPB investigate Jefferson Capital Systems for noncompliance.

I request that Jefferson Capital be required to cease all collection activity, including credit reporting, until they can provide full and accurate validation of the alleged debt. 

If they can not validate the debt, I request that the item be permanently deleted from all credit reports with the major credit bureaus ( XXXX XXXX XXXX XXXX  ). 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
I am disputing the comment Closed by Credit Grantor on my XXXX account, which is misleading and damaging despite the account being reported As Agreed with a {$0.00} balance. 

Under FCRA 611 ( a ) and CFPB Regulation V, I request proof from XXXX showing original documentation confirming this closure was initiated by the creditor. 

If such proof can not be provided, the notation must be removed or the account deleted.

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 2025-07-29 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 disputed XXXX XXXX XXXX  on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within XXXX  days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
I am disputing inaccurate late payment reporting for XXXX XXXX. The account is marked Late Over XXXX  Days, but the creditor has not provided documentation verifying the delinquency. Under FCRA 611 ( a ) and CFPB Regulation V, I am requesting deletion unless the furnisher can produce the original signed agreement and a payment ledger proving the delinquency. 

Additionally, the account shows inconsistencies such as a balance exceeding the credit limit and Dispute Resolved Consumer Disagrees, which indicates prior unresolved disputes.

I request the CFPB investigate and compel deletion due to unverifiable reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ).

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 2025-07-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have noticed multiple of fraudulent accounts on my credit report. Please remove the fraudulent accounts from my credit report that are listens in the included document section attached. I am a victim of identity theft and have noticed that there are multiple numbers of fraudulent accounts on my credit report that are not mine. I would like for them to be deleted and blocked from report.

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 2025-07-29 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: NJ

Complaint narrative:
I have noticed multiple of fraudulent accounts on my credit report. Please remove the fraudulent accounts from my credit report that are listens in the included document section attached. I am a victim of identity theft and have noticed that there are multiple numbers of fraudulent accounts on my credit report that are not mine. I would like for them to be deleted and blocked from report.

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 2025-07-29 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$20000.00}, XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX balance {$9100.00}, XXXX  XXXX XXXX  balance {$12000.00}, XXXX XXXX  balance {$21000.00}, XXXX XXXX XXXX balance {$1400.00}, XXXX XXXX XXXX {$510.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$20000.00}, XXXX XXXX balance {$20000.00}, XXXX XXXX XXXX balance {$9100.00}, XXXX  XXXX XXXX  balance {$12000.00}, XXXX XXXX  balance {$21000.00}, XXXX XXXX XXXX balance {$1400.00}, XXXX XXXX XXXX {$510.00},

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 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
This account should be removed due to multiple accounts on my end to coming up with payment plans. Things happen and they were not accommodating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I have noticed multiple of fraudulent accounts on my credit report. Please remove the fraudulent accounts from my credit report that are listens in the included document section attached. I am a victim of identity theft and have noticed that there are multiple numbers of fraudulent accounts on my credit report that are not mine. I would like for them to be deleted and blocked from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose.

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus.

Failure to address and resolve this matter may result in further escalation to the FTC and state regulatoryauthorities.

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 2025-07-29 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: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

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