vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
XXXX XXXX XXXX is not reporting my active vehicle lease to any credit bureaus. I am making timely monthly lease payments through ACH, but the lease account is not showing up on XXXX, TransUnion, or XXXX. 

I contacted XXXX XXXX by email, but have not received any response. 

I am trying to build my credit history, and the absence of this account is negatively impacting my credit mix. Please help ensure that XXXX begins reporting this account to credit bureaus.

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 2025-06-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> To Whom It May Concern : Subject : Urgent Dispute : Multiple Fraudulent Accounts This letter serves as my formal and unequivocal dispute of two fraudulent accounts recently discovered on my credit report. I, XXXX XXXX, unequivocally state that I have no knowledge of these accounts, nor did I authorize their opening, any transactions, or any activity whatsoever associated with them. These accounts are fraudulent, inaccurate, and do not belong to me. 

The accounts in question are : XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. Account XXXX : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Upon a recent comprehensive review of my credit report, these specific fraudulent accounts were identified. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have inaccurate and unverifiable information removed from my credit report. The presence of these unverified and unauthorized accounts on my report directly contradicts the FCRA 's mandate for maximum possible accuracy of information. 

I demand a comprehensive and immediate reinvestigation into the origins and validity of both of these accounts. I expect and require the following actions : XXXX. Immediate and permanent deletion of both the XXXX XXXX  XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ) and the XXXX XXXX  account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) from my credit report. 

XXXX. Detailed and verifiable proof from the original creditor or data furnisher that these accounts are legitimate and belong to me. This proof must go beyond a mere statement of verification and include original signed contracts or agreements bearing my signature. 

XXXX. A clear explanation of the steps taken during your reinvestigation process, including any communication with the alleged data furnishers, and why these accounts were reported without my authorization. 

Be advised that I am sending this dispute letter to all three major credit bureaus ( XXXX, Equifax, and XXXX  ). I expect prompt action and a definitive resolution to this matter. Failure to remove these demonstrably fraudulent accounts will leave me with no option but to escalate this issue further. This includes, but is not limited to, filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all available legal remedies to protect my credit and financial well-being. 

I look forward to your immediate attention to this critical matter and a swift resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am submitting this complaint to dispute multiple collection and charge-off accounts being reported on my TransUnion credit report that I believe to be inaccurate, unverifiable, or misleading. These entries are negatively impacting my creditworthiness and were either included without proper verification or continue to appear despite multiple disputes. Specifically, TransUnion is reporting the following items : a collection account from XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$920.00} ; a charge-off from XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, with a current balance of {$0.00} ; and multiple recent entries from XXXX XXXX XXXX XXXX listed under account numbers XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX and another XXXXXXXX XXXX XXXX, all opened on XX/XX/XXXX with balances of {$1200.00}, {$1100.00}, and {$690.00} respectively. Additionally, XXXX is reporting a collection under account number XXXX XXXX XXXX XXXX XXXX, opened on XX/XX/XXXX with a balance of {$1600.00}. 

These accounts are either inaccurate, reported in duplicate, or have been placed on my credit file without sufficient documentation or permissible purpose. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), TransUnion has a legal obligation to ensure the maximum possible accuracy of information included in my credit file. Furthermore, under 15 U.S.C. 1681i, when a consumer disputes information, the credit bureau is required to conduct a reasonable reinvestigation and remove any item that can not be verified with reliable documentation. I have not been provided any verifiable documentation by either the original creditor or the furnisher of these accounts proving that I am legally responsible for these debts. In particular, the duplication of XXXX XXXX XXXX accounts opened on the same date is highly suspicious and suggests data mishandling or improper furnishing. 

This inaccurate reporting has already affected my credit score and my ability to qualify for essential financial services. These entries misrepresent my financial responsibility and pose an undue burden that could lead to higher interest rates, denials of applications, and broader financial instability. Their continued presence on my report without credible validation is unacceptable.

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 2025-06-19 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:
My information was exposed in the XXXX  data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute an inquiry that appears on my Equifax credit report from XXXX, dated XX/XX/year>. I did not authorize XXXX to access my credit report on or around this date, nor did I submit any credit application that would have granted XXXX a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to review my credit file. I have carefully reviewed my records, and there is no documentation or recollection of any interaction with XXXX that would justify this inquiry. As a result, I believe this was either made in error or was unauthorized entirely. 

According to the FCRA, specifically 15 U.S.C. 1681b ( a ), credit reporting agencies like Equifax are only permitted to release a consumer report to third parties who have a certified and legitimate reason, such as a credit application initiated by the consumer. Furthermore, 15 U.S.C. 1681e ( a ) mandates that credit bureaus maintain reasonable procedures to ensure that credit reports are furnished solely for permissible purposes. The appearance of this inquiry, which I did not initiate or authorize, indicates that Equifax may have failed to properly vet XXXX request before allowing access to my file. 

This hard inquiry has negatively impacted my credit score, created a misleading record of my credit-seeking behavior, and potentially undermines my credibility with current and future creditors. The inclusion of unauthorized or unverifiable information not only violates federal consumer protection laws but also causes me unjustified harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
YOU ARE HEREBY PUT ON NOTICE You have 30 days to from thee receipt of this letter to reinvestigate and remove any inaccurate information from my credit report. 

legal Grounds for Removal : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of information in their consumer report with a consumer reporting agency ( CRA ), the CRA must reinvestigate the disputed information. This reinvestigation must be conducted free of charge. The CRA must record the current status of the disputed information or delete it if it's found to be inaccurate or unverifiable. 

Disputed Account information : XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$70.00} written off. 
XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 

XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$780.00} written off. 
XXXX Date opened XX/XX/XXXX XXXX {$540.00} Status Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX. 
XXXX  Date opened XX/XX/XXXX XXXX {$2600.00} Status Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Date opened XX/XX/XXXX Balance {$1100.00} Status Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$840.00} Status Account charged off. {$840.00} written off. {$840.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Account charged off. {$15000.00} written off. 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3100.00} Status Collection account. {$3100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1600.00} Status Collection account. {$1600.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
After Reviewing my Transunion report i see accounts that don't belong to me and is on my credit report due to identity theft. These are the accounts below and I would like them removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX  ) : XXXX # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-19 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: KY

Complaint narrative:
This is a legitimate and urgent complaint. My credit report contains inaccurate information that fails to meet the legal standard of maximum possible accuracy and is causing serious, ongoing harm. These errors must be thoroughly investigated and either corrected or permanently removed without delay.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am formally disputing the collection account your company is reporting under JEFFCAPSYS ( Original Creditor : XXXX XXXX XXXX ) account # XXXX. I do not recognize this account, and I was never notified about it prior to seeing it on my credit report. I have never received any letter, notice, or validation from your agencyno explanation of the alleged debt, no itemized breakdown of the amount, and no proof that you have the legal authority to collect on it. Under Regulation F of the Fair Debt Collection Practices Act ( 12 CFR 1006.34 ( b ) ( 5 ) ), I have the right to receive a complete validation notice that includes the name of the original creditor, a full breakdown of the balance, and evidence of your right to collect this debt. You failed to provide any of these. This also violates 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which requires you to notify me of my right to dispute the debt before reporting it. Additionally, furnishing unverified information to the credit bureaus without my consent violates 15 U.S.C. 1681e ( b ) and 1681b of the Fair Credit Reporting Act. I am demanding that you immediately provide me with all of the following : ( 1 ) a complete validation notice, ( 2 ) a copy of any signed agreement bearing my signature, ( 3 ) a detailed breakdown of the alleged balance, and ( 4 ) documentation proving your authority to collect on behalf of XXXX XXXX XXXX. If you can not provide these, then the account MUST BE PERMANENTLY DELETED from all consumer reporting agencies. Reporting unverifiable and unauthorized information is harmful, unfair, and illegal. I expect a written response confirming the results of your investigation and immediate removal of this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-19 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am submitting this complaint to dispute the inaccurate and unauthorized personal information appearing on my TransUnion credit report. Specifically, TransUnion is reporting multiple names and employer entries that are factually incorrect and not associated with me. The report currently lists the names " XXXX XXXX '' and " XXXX, XXXX, XXXX '' as known aliases. I want to make it clear that my only legal name is XXXX XXXX XXXX, and I have never legally used or been identified by any of the other names currently being reported. These entries are erroneous and do not reflect my true identity. 

Additionally, TransUnion is listing " XXXX XXXX XXXX '' as a past employer. I have never worked for this organization in any capacity, nor have I ever listed it on any credit application, resume, or employment verification form. Its inclusion on my credit file is wholly inaccurate and may be the result of a mixed file error, data breach, or incorrect third-party data submission. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), TransUnion is required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Including false names and employers in my personal file is a direct violation of this legal obligation and compromises the integrity of my credit identity. 

This misinformation has already caused undue confusion and could lead to denials of credit or misidentification in future lending, employment, or housing situations. Misreporting identity-related data is particularly harmful, as it creates a false and misleading profile that undermines my credibility with lenders, creditors, and other institutions that rely on accurate credit reporting.

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 2025-06-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief