vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Summary : I am filing a complaint against Transworld Systems Inc. ( TSI ) for repeated attempts to collect on an alleged credit card debt originally associated with XXXX XXXX XXXX. ( Reference XXXX XXXXXXXX ). 

Details : On XX/XX/XXXX, TSI first contacted me about an alleged debt of {$3200.00}. 
On XX/XX/XXXX, I sent a certified debt validation request under the FDCPA ( 15 U.S.C. 1692g ). 
On XX/XX/XXXX, TSI responded with only online access to unspecified documents. 
On XX/XX/XXXX, I advised them that their response was insufficient and reiterated that the alleged debt was time-barred under Delaware law XXXX statute of limitations of XXXX  years, XXXX XXXX. XXXX XXXX ). 
On XX/XX/XXXX, TSI sent me a packet including a credit card acceptance form dated XX/XX/XXXX, a generic XXXXXXXX XXXX cardholder agreement, and an itemized payment history showing last activity in XXXX. This did not include a full itemization of full balance as requested. 

Why this is unlawful : The debt is well beyond XXXX XXXX statute of limitations, yet TSI continues to pursue collection. 
The debt is also beyond the XXXX reporting window under the FCRA ( 15 U.S.C. 1681c ), meaning it can not lawfully appear on my credit report. 
TSI has failed to provide complete and proper validation of the debt, supplying only partial and generic documents. 
Their communications risk misleading consumers into believing they must pay on a debt that is not legally enforceable, in violation of the FDCPA. 

Attachments available upon request : My XX/XX/XXXX debt validation request. 
My XX/XX/XXXX and XX/XX/XXXX follow-ups. 
TSIs XX/XX/XXXX response packet and the original collection notice dated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-09-23 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: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Velocity InvestmentsXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Challenge of Debt and Request for Validation 15 U.S 1692 g Dear Velocity Investments I was notified by Asset Recovery on XX/XX/year> on the CFPB website that they sold the alleged debt of {$4800.00} referenced in my CFPB complaint XXXX XXXXXXXX to Velocity Investments XXXX 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with the following information to validate this debt : The full name of the original creditor. 
The amount of the original debt and any interest or fees added. 
A copy of the original contract or agreement with my signature, or any other documentation that proves I owe this debt. 
A complete transaction history including chain of assignment or transfer for the alleged debt. 
Any judgment or legal order related to the debt, and youre not on the FTC Banned Debt Collectors list. 
Please note that until this debt is validated, I request that you cease any further collection activities, including reporting this alleged debt to credit reporting agencies, as required by the FDCPA. 
If you are unable to provide sufficient documentation, I expect this matter to be considered resolved, and the account should be marked as deleted in your records. 
Please respond to this request within 30 days of receipt of this letter, as mandated by the FDCPA. If you fail to validate the debt within this timeframe, I will consider the matter closed and will pursue all available legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Under 15 U.S. Code 1681g, delete the disputed items within 15 days from this notice.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XX/XX/year>, there's a collection of the amount XXXX. I have disputed this account on my credit report and it hasn't been verified that I owe this debt neither did they provided a validation letter after I requested. 

TransUnion is knowingly reporting inaccurate and unverified information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

There is a collection account listed by [ Insert Collection Agency Name ] that I do not owe, and I have already disputed it. TransUnion failed to properly investigate or provide any valid proof that the debt belongs to me. They are continuing to report this account without proper validation or evidence, causing direct harm to my credit score and financial standing.

This is a willful neglect of their legal obligations under FCRA Section 611, which mandates a reasonable reinvestigation of disputed items. TransUnion is ignoring evidence and failing to correct inaccurate information, despite being formally notified.

I demand that this account be immediately deleted from my credit report, and that a full investigation be launched into TransUnions reckless handling of this dispute.

If this matter is not resolved promptly, I will pursue further legal action for damages under the FCRA.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc.
State: GA

Complaint narrative:
SENT LETTERS XXXXXXXX XXXX XXXX XXXX 

I am writing to address a significant discrepancy involving my Sezzle account and the amounts reported both by Sezzle and on my credit report. 

My Sezzle account reflects a balance showing that I owe over {$4000.00}. However, according to my most recent credit report, the amount listed for the same Sezzle account is nearly {$2000.00} less than what Sezzle is reporting. This inconsistency is causing confusion and concern. 

I have not received any detailed breakdown or explanation from Sezzle that accounts for this large discrepancy. I am requesting a full reconciliation of my account, including a complete payment history and explanation of how the current balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: GA

Complaint narrative:
XXXX XXXX, XXXX is inaccurately reporting a collection account on my TransUnion credit report. The account details are as follows : Loan Type : Factoring Company Account Pay Status : Collection Date Updated : XX/XX/year> This reporting is false, misleading, and unverifiable for several reasons : 1. Inconsistent Reporting Across Bureaus This same account has already been deleted from XXXX  and XXXX  following investigations. TransUnions continued reporting is inconsistent, violates FCRA 15 U.S.C. 1681i ( a ) ( 5 ), and creates conflicting credit histories across the CRAs.

2. Improper Classification as a Factoring Company Account XXXX is a debt buyer, not a factoring company. Reporting it this way is inaccurate and misrepresents the nature of the account, violating FCRA 1681s-2 ( b ) which requires furnishers to provide accurate information.

3. Unverified Collection Status XXXX has not provided any original documentation, proof of assignment, or validation of this debt. Without full validation, reporting it as an active collection is incomplete and misleading under the FCRA.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
As outlined in 15 U.S. Code 1681g, you must remove these disputed accounts in XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made an ACH transfer from my business account XXXXXXXX XXXX to my personal account at chase bank, as a payment to myself. The date of the XXXX transaction was XX/XX/year>, in the amount of {$4400.00}, in which {$3100.00} has been held by chase bank that same day. 
I was told my funds would be released on the XXXX of XXXX, 2025 and I waited, missed paying my rent, car and insurance payments, child support payment etc. on XX/XX/XXXX, I decided to call chase to see why the funds were delayed. 
Chase then requested that the Secretary of State of Delaware list my phone number on their database under my business entity. I contacted the secretary state office and they told me good luck getting money back from chase bank. Delaware does not add business phone numbers to business entities. Apparently this is an everyday issue they deal with regarding chase bank and many have lost their hard earned funds due to this deliberate exploitation and alleged theft of money by chase bank. Im currently working with the Delaware Attorney General office on this issue and a resolution in form of my funds being released.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Finance System of Richmond, Inc.
State: MI

Complaint narrative:
Finance System of Richmond has placed an account on my credit report stating it has not been paid. The information on my credit report states the debt is from XXXX XXXX. I have never been seen at XXXX XXXX. I have also never been contacted by Finance System of Richmond to validate or otherwise review this debt they have now placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-23 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 a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : 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 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The review conveys a mistaken view of my money habits.

Company response to consumer: Closed with non-monetary relief