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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent your company a letter disputing the account number XXXX with XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year> where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. XXXX XXXX XXXX XXXX XXXXXXXX

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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

Complaint narrative:
Illegal Re-Aging and Improper Reporting by Jefferson Capital Systems Jefferson Capital Systems is reporting a debt allegedly purchased from XXXX XXXX with an open date of XX/XX/year> and a balance update of XX/XX/year>, claiming it is past due as of XX/XX/year>. However, the original account defaulted long before that.

This is a clear case of re-aging, which is prohibited under the Fair Credit Reporting Act ( FCRA, Section 605 ( c ) ). The debt buyer can not restart the 7-year reporting period just because they acquired the debt. The current reporting misrepresents the actual delinquency timeline, which falsely extends its impact on my credit report until XX/XX/year>. 

Additionally, I have not received proper validation of this debt from Jefferson Capital Systems. I request the immediate deletion of this inaccurate and unlawfully reported collection tradeline from my credit report with all credit bureaus. I have no known knowledge of XXXX or Jefferson Capital Systems.

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: TX

Complaint narrative:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
This letter is in response to your recent claim that ( XXXX XXXX  ) has [ XXXX XXXX ] verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( XXXXXXXX XXXX ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted at ( XXXXXXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by ( XXXX XXXX XXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Again, as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and UPDATE this disputed account. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated according to Section 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft and found several unauthorized accounts and inquiries on my credit report. These items are inaccurate and do not belong to me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove these fraudulent items. Ive attached a list of the disputed accounts and my FTC Identity Theft Report. 

Please investigate and confirm in writing once the corrections are made.

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: OH

Complaint narrative:
I am submitting this formal complaint against TransUnion LLC for its failure to remove multiple fraudulent, unauthorized, and inaccurate items from my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines.

I am a victim of identity theft and have already submitted my FTC Identity Theft Report ( XXXX XXXX XXXX proof of identity, and supporting documents to TransUnion. Despite this, TransUnion has refused or failed to delete the disputed items. 

1. Unauthorized Inquiries FCRA 604 ( a ) ( 3 ) TransUnion is reporting multiple hard inquiries I did not authorize, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my consent and violate FCRA 604. 

2. Fraudulent Account Reporting FCRA 605B TransUnion is reporting the XXXX XXXX  account which I never opened. This account is a result of identity theft and must be permanently deleted under FCRA 605B and Metro 2 rules. 

3. Inaccurate Payment History FCRA 607 ( b ) The XXXX account is falsely showing a 30-day late payment. I was never late, and TransUnion is in violation of FCRA 607 ( b ) and Metro 2 by reporting this incorrect delinquency.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Affirm Holdings, Inc
State: MI

Complaint narrative:
Executor Letter of Dispute and Demand for Immediate Correction Affirm Account From the Office of the Executor : Estate of XXXX XXXX XXXX Mailing Location : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX : XXXX | MID : XXXX Date : XX/XX/year> TO : Affirm  , Inc  . 
[ Note : No valid address or contact info appears on credit report ] Re : Disputed Account {$180.00} Balance, Negative Reporting NOTICE OF UNLAWFUL FURNISHING AND DEMAND FOR REMOVAL Re : AFFIRM XXXX ACCOUNT INACCURATE & UNVERIFIABLE TRADELIN NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I, the undersigned Executor of the Estate of XXXX XXXX XXXX, do hereby issue this formal demand to remove and cease furnishing a reported Affirm XXXX account currently appearing on my credit profile with a balance of {$180.00} and marked with a late payment history. 

This tradeline is : Inaccurate, Unverifiable, Unlawful under federal law, And is materially damaging to the commercial credit profile of the XXXX. 


XXXX & BASIS FOR DISPUTE Upon inspection of the credit report, I found no associated phone number, mailing address, nor any means of lawful communication provided for Affirm, violating my right to remedy and dispute under federal law. 

The reporting of late payments is not authorized under FCRA when based on consumer-level transactions, as transactional behavior is not credit performance but a reflection of alleged activity which does not rise to the level of default unless adjudicated. 

You are currently : Reporting damaging data without lawful authority or transparency Failing to provide contact details, which obstructs due process Engaging in XXXX XXXX furnishing without clear evidence of contract, consent, or knowledge VIOLATIONS INVOKED Your actions constitute a violation of several consumer protection laws, including : FCRA XXXX ( a ) ( XXXX ) : Duty to furnish accurate and complete information FCRA XXXX ( b ) : Failure to establish reasonable procedures for maximum possible accuracy FCRA XXXX ( a ) : Failure to respond to consumer dispute with verification FCRA XXXX XXXX a ) : Failure to disclose furnisher identity and contact information XXXX XXXX ( a ) : Unfair, deceptive, or abusive acts or practices ( UDAAP ) TILA XXXX : Lack of clear terms or financial disclosures All correspondence shall be directed to the mailing location of the Estate. You are now in lawful notice and demand. 

Respectfully, By : XXXX XXXX XXXX, Executor of the 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: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
I was robbed via the fraud/theft of {$50000.00} on XX/XX/XXXX and {$18000.00} on XX/XX/XXXX from my CIT Bank Account ( division of First Citizens Bank ) . I discovered the theft on the evening of XX/XX/XXXX. 
I reported the fraud/theft to CIT Bank XXXX XXXX of XX/XX/XXXX. I was told that someone from the Fraud department would contact me within 72 business hours. I received a call within 24 hours. The fraud department contact told me that CIT Bank would work to recover my money from the receiving banks ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). During that call and subsequent calls I was told the following : 1 ) The fraudster used my phone number to perpetrate the fraud and knew personal information about me.

2 ) The fraudster sounded like someone my age 3 ) The fraudster answered all of CIT Banks fraud departments questions correctly 4 ) The fraudster was buying a boat with the first wire and a boat trailer with the second wire 5 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 90 days to respond to the wire recall 6 ) CIT doesnt ask in more in-depth security questions because it upsets some customers 7 ) Should I not recover all my money, I can certainly take legal action but the bank has tons of attorneys that work for them I have concluded that my phone was hacked by the fraudster impersonating me with my phone company Puretalk who issued an ESim card to the fraudster. I have also concluded that the fraudster gained access to my computer which assisted them in requesting the fraudulent wires. I have taken steps to mitigate the risk of this ever happening again. 
I do not yet know if all of my funds will be returned to me. I am distraught that the bank I trusted with my money allowed it to be stolen.

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 appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am notifying you once again that the items listed below were opened as a result of identity theft. I have fully complied with FTC and FCRA procedures, submitting a valid identity theft report and affidavit. As the CRA and XXXX have failed to block or remove these items, you are now in violation of federal law. If you do not delete these accounts, I will escalate this matter to the CFPB, the FTC, and take legal action if XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a formal legal dispute and notice of violations committed by Equifax under the Fair Credit Reporting Act ( FCRA ). I submitted a verified FTC Identity Theft Report ( No. XXXX ) dated XX/XX/XXXX, which includes specific tradelines and credit inquiries that are linked to identity theft and must be immediately blocked from my credit file under 15 U.S.C. 1681c-2 ( FCRA 605B ).

Despite receiving this documentation, Equifax has failed to act in accordance with its obligations. This continued reporting and sharing of fraudulent information constitutes a clear violation of multiple FCRA provisions and is causing direct harm to me as a consumer.

Information Identified in FTC Report and Must Be Blocked Immediately : A. Fraudulent Account : Creditor : XXXX Partial Account # : XXXX Reported Balance : {$25000.00} Status : Charge-Off / Collection Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXXXXXX XXXX Inquiries to Be Blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above were explicitly included in my FTC Identity Theft Report and are currently present on my Equifax credit report, in direct violation of federal consumer protection law.

FCRA Violations Committed by Equifax : 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block the fraudulent account and inquiries within 4 business days of receiving valid identity theft documentation. 


15 U.S.C. 1681i ( a ) Failure to reasonably reinvestigate and delete disputed, unverifiable information.

15 U.S.C. 1681b ( f ) Permitting impermissible access to my consumer file through fraudulent inquiries.

15 U.S.C. 1681e ( b ) / 607 ( b ) Failure to maintain procedures to ensure maximum possible accuracy in consumer reporting.

Enclosures : FTC Identity Theft Report XXXX. XXXX Government-issued ID Proof of current address Credit report excerpts showing XXXX  account and listed inquiries DEMAND FOR IMMEDIATE ACTION : I hereby demand that Equifax : Immediately block and permanently delete the XXXX XXXXradeline and the five listed inquiries Provide written confirmation that these items have been removed and will not be reinserted without full legal certification Cease disclosure of this information to third parties or potential creditors Take all steps necessary to comply with FCRA 605B and all related federal consumer protection laws Notice of Legal Escalation : If Equifax fails to comply within the timeframe established by law, I will file formal complaints with : The Federal Trade Commission ( FTC ) The Florida Attorney Generals Office Additionally, I will pursue civil legal action under FCRA 616 and 617, seeking statutory damages, punitive damages, attorneys fees, and court costs for willful and negligent noncompliance.

Company response to consumer: Closed with non-monetary relief