vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am disputing inaccurate negative information FourLeaf Federal Credit Union has furnished to the credit bureaus regarding my auto lease account ( # XXXX ). 

I have always made my payments on time through autopay. In XX/XX/year>, I updated my autopay account information. Despite this, FourLeafs system continued processing payments from both the updated account and the closed account. Payments drawn from the closed account were reversed, creating false delinquencies that were not my fault. 

I raised this issue multiple times with FourLeaf. In XX/XX/year>, I was told the error had been corrected. In XX/XX/year>, the same error occurred again. In XX/XX/year>, Supervisor XXXX confirmed after investigation that the situation was caused by FourLeafs internal processing error, not by me, and should have been corrected months earlier. 

Despite this, FourLeaf continues to report me as delinquent. On XX/XX/year>, I received an email from XXXX XXXX, Collections Support Specialist, stating the reporting was accurate and refusing to make any correction. The response completely ignored the evidence I provided and instead gave a blanket denial ( you are responsible for all payments ), which does not address the fact that I did make payments on time and that their own error caused the false reporting. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation of consumer disputes and to correct inaccurate information.

Steps Ive taken so far : Faxed and emailed disputes directly to FourLeaf ( XXXX XXXX, XXXX  ). 

Spoke with Supervisor XXXX, who admitted it was their error. 

Received a denial email ( XXXX XXXX, XXXX  ) from Collections refusing to correct. 

Preparing disputes with XXXX XXXX  and XXXX. 


Supporting Evidence ( attached to CFPB portal ) : Autopay setup documents. Payment history/bank statements showing on-time payments. Phone records trying to resolve this error Fax confirmation of prior dispute. Supervisor XXXX acknowledgment notes. 

FourLeafs denial email ( 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, XXXX Bank charged off my credit card account with a reported balance of {$15000.00}. Since then, XXXX has continued to furnish information to the credit reporting agencies that I believe is inaccurate and incomplete. 

XXXX  own SEC 10-K filings state that credit card receivables are routinely securitized and removed from XXXX Banks balance sheet. My Cardmember Agreement also states that XXXX may sell, assign or transfer any of our rights or obligations under this Agreement without notice to you. Despite this, XXXX continues to report the account as though it is still owned by XXXX Bank. 

I requested documentation of XXXX  current ownership interest in the receivable and asked whether the account was included in a securitization trust. Instead of providing proof of ownership, XXXX only resent historical billing statements. Producing past statements does not demonstrate that XXXX still owns the receivable today or that it has standing to furnish information on this account. 

By failing to disclose the true ownership of the account, XXXX is furnishing information that is misleading and incomplete under the Fair Credit Reporting Act. This inaccurate reporting is damaging my creditworthiness and financial opportunities. 

I have already disputed this matter directly with XXXX and through the CFPB in XXXX, but their responses have not resolved my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
In XX/XX/XXXX, XXXX Bank charged off my credit card account with a reported balance of {$15000.00}. Since then, XXXX has continued to furnish information to the credit reporting agencies that I believe is inaccurate and incomplete. 

XXXX  own SEC 10-K filings state that credit card receivables are routinely securitized and removed from XXXX Banks balance sheet. My Cardmember Agreement also states that XXXX may sell, assign or transfer any of our rights or obligations under this Agreement without notice to you. Despite this, XXXX continues to report the account as though it is still owned by XXXX Bank. 

I requested documentation of XXXX  current ownership interest in the receivable and asked whether the account was included in a securitization trust. Instead of providing proof of ownership, XXXX only resent historical billing statements. Producing past statements does not demonstrate that XXXX still owns the receivable today or that it has standing to furnish information on this account. 

By failing to disclose the true ownership of the account, XXXX is furnishing information that is misleading and incomplete under the Fair Credit Reporting Act. This inaccurate reporting is damaging my creditworthiness and financial opportunities. 

I have already disputed this matter directly with XXXX and through the CFPB in XXXX, but their responses have not resolved my concerns.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
In XX/XX/XXXX, XXXX Bank charged off my credit card account with a reported balance of {$15000.00}. Since then, XXXX has continued to furnish information to the credit reporting agencies that I believe is inaccurate and incomplete. 

XXXX  own SEC 10-K filings state that credit card receivables are routinely securitized and removed from XXXX Banks balance sheet. My Cardmember Agreement also states that XXXX may sell, assign or transfer any of our rights or obligations under this Agreement without notice to you. Despite this, XXXX continues to report the account as though it is still owned by XXXX Bank. 

I requested documentation of XXXX  current ownership interest in the receivable and asked whether the account was included in a securitization trust. Instead of providing proof of ownership, XXXX only resent historical billing statements. Producing past statements does not demonstrate that XXXX still owns the receivable today or that it has standing to furnish information on this account. 

By failing to disclose the true ownership of the account, XXXX is furnishing information that is misleading and incomplete under the Fair Credit Reporting Act. This inaccurate reporting is damaging my creditworthiness and financial opportunities. 

I have already disputed this matter directly with XXXX and through the CFPB in XXXX, but their responses have not resolved my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Re : Unauthorized Hard Inquiry XXXX XXXX XXXX. 

To Whom It May Concern : I am writing to formally dispute and demand the removal of an unauthorized hard inquiry that has appeared on my credit report. This inquiry was conducted by XXXX XXXX XXXX, and I have never authorized such access. 

Disputed Inquiry Details Creditor/Entity : XXXX XXXX XXXXXXXX XXXX 
Type of Inquiry : Hard Inquiry Date of Inquiry : XX/XX/XXXX Basis of Dispute Under 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report when there is a permissible purpose. I have : Not applied for credit with XXXX XXXX XXXX. 

Not given written authorization to XXXX XXXX XXXX to access my credit report. 

No business or contractual relationship with XXXX XXXX XXXX. 

Therefore, this inquiry is unauthorized and impermissible under the FCRA. Unauthorized hard inquiries violate my rights and negatively impact my credit standing. 

Requested Relief Pursuant to 15 U.S.C. 1681i ( a ), I demand that you : Immediately remove the XXXX XXXX XXXX hard inquiry from all of my credit files. 

Provide me with written confirmation that the inquiry has been deleted. 

Supply documentation of authorization, if you claim the inquiry was permissible. 

If this matter is not resolved, I am prepared to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider pursuing legal remedies under 15 U.S.C. 1681n & 1681o for willful or negligent violations. 

I expect full compliance within the FCRAs required 30-day timeframe for reinvestigation and written response. 

Sincerely, 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 2025-10-01 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: WA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Re : Unauthorized Hard Inquiry XXXX XXXX XXXX. 

To Whom It May Concern : I am writing to formally dispute and demand the removal of an unauthorized hard inquiry that has appeared on my credit report. This inquiry was conducted by XXXX XXXX XXXX, and I have never authorized such access. 

Disputed Inquiry Details Creditor/Entity : XXXX XXXX  XXXX XXXX 
Type of Inquiry : Hard Inquiry Date of Inquiry : XX/XX/XXXX Basis of Dispute Under 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report when there is a permissible purpose. I have : Not applied for credit with XXXX XXXX XXXX. 

Not given written authorization to XXXX XXXX XXXX to access my credit report. 

No business or contractual relationship with XXXX XXXX XXXX. 

Therefore, this inquiry is unauthorized and impermissible under the FCRA. Unauthorized hard inquiries violate my rights and negatively impact my credit standing. 

Requested Relief Pursuant to 15 U.S.C. 1681i ( a ), I demand that you : Immediately remove the XXXX XXXX XXXX hard inquiry from all of my credit files. 

Provide me with written confirmation that the inquiry has been deleted. 

Supply documentation of authorization, if you claim the inquiry was permissible. 

If this matter is not resolved, I am prepared to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider pursuing legal remedies under 15 U.S.C. 1681n & 1681o for willful or negligent violations. 

I expect full compliance within the FCRAs required 30-day timeframe for reinvestigation and written response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
I dispute the XXXX XXXX XXXX Your file states : Closed Collection/Chargeoff Charged off as bad debt Purchased by another lender Balance Owed : {$0.00} ; Past Due : {$0.00} ; Closed XX/XX/year>. I dispute all months you display as late/CO/derogatory for this tradeline. 
Demand & Legal Basis : Provide running monthly statements/ledger for every disputed month proving contractual due date, date of receipt, and date of posting for each payment/credit. Metro 2 codes are not proof. Furnish the DOFD and correct Account Status, Payment Rating, XXXX, Original CO Amount, Current Balance, Amount Past Due, Date of Account Information, Special Comment/CCC. Under FCRA 607 ( b ) and 611 / 15 U.S.C.

1681i ( a ) ( 1 ) ( A ) and Cushman v. TransUnion, 115 F.3d 220, you must conduct an independent reinvestigation ( no parroting the furnisher ). If not verified to that standard with documentary evidence, delete the derogatory data or delete the entire tradeline under 1681i ( a ) ( 5 ) ( A ). See Reg V ( 12 C.F.R. 1022.42.43 ).

Failure will result in CFPB/FTC/AG complaints and litigation under 15 U.S.C. 616617. 
2 ) XXXX XXXX XXXX XXXX XXXX TU Re : Dispute of XXXX ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Closed/Charge-off/Sold, {$0.00} balance I dispute all TU-reported late/CO months on this XXXX XXXX. Same ledger/DOFD/Metro 2 demands and 607 ( b ), 611, 1681i ( a ) ( 5 ) ( A ), Cushman ; Reg V standards as above. Verify independently or delete. 
Enclosures : ID, proof of address, TU page. 
3 ) XXXX  ( XXXX XXXX XXXX debt buyer for XXXX ) TU Re : Dispute of XXXX  ( Acct XXXX XXXX XXXX XXXX XXXX XXXX ), collection Your file shows Open Collection/Chargeoff Placed for collection XXXX : XXXX XXXX Balance {$4200.00}. I dispute all months you display as CO/late. 
Defects : Collection misclassified/portfolio type errors ; improper monthly CO grid on a collection ; missing DOFD. 
Demands & Law : Provide XXXX + XXXX full ledger for each disputed month ; correct Portfolio Type=Collection, Account Status, XXXX  ( collections do not carry rolling XXXX ), Date of Account Information, CII/CCC, and supply DOFD. FCRA 607 ( b ), 611, 623 ( a ) ( 5 ) ; FDCPA 807/809 ; Reg V 1022.42.43 ; Cushman. Verify independently or delete.

Enclosures : As above. 
4 ) XXXX XXXX TU Re : Dispute of XXXX XXXX  ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), collection Dispute all TU months coded CO/late. Same misclassification/XXXX/DOFD defects and FCRA/FDCPA/Reg V/Cushman demands. Verify or delete. 
Enclosures : As above. 
5 ) XXXX XXXX ( for XXXX XXXX XXXX  ) TU Re : Dispute of XXXX XXXX ( Acct XXXX XXXX  ), collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$160.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$440.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} INQUIRIES : XXXX XX/XX/XXXXXXXX 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