vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am writing to file a complaint against the XXXX major credit bureaus, XXXX XXXX, and TransUnion, for reporting inaccurate personal information on my credit reports. The presence of this incorrect data is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of consumer information. 

The following information is inaccurate and must be removed from my credit reports immediately : Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX These addresses do not belong to me and are negatively impacting the accuracy of my credit file. I have never resided at these locations. 

I have attempted to resolve this issue by [ mention any previous actions you've taken, e.g., " filing disputes with the credit bureaus directly, '' " contacting the companies reporting the information '' ]. Despite my efforts, the incorrect information remains on my reports. 

I respectfully request that the CFPB investigate this matter and compel all three credit bureaus to : XXXX a thorough investigation into the origins of these inaccurate addresses. 

Immediately and permanently remove the incorrect addresses from my credit reports. 

Provide me with a corrected copy of my credit report from each bureau once the changes have been made. 

I believe that prompt action is necessary to ensure the integrity and accuracy of my credit file. Thank you for your time and assistance in 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 non-monetary relief
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
XXXX beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-08-26 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 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 2025-08-26 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: CA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX XXXX Name : XXXX XXXX Account XXXXXXXX XXXX Amount : {$620.00} XXXX Date of Account : XX/XX/year> I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 
I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
I am writing to formally dispute the following XXXX hard inquiries that appear on my credit report. Based on my records, I have not authorized these specific inquiries with a wet ( physical ) signature, which is required by law for the purpose for which these inquiries were made. 

The inquiries in question are from the following creditors : XXXX FCU Regions Mortgage I have a reasonable belief that these inquiries were obtained without my proper authorization, which is a violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681q, it is a criminal offense to obtain a consumer report under false pretenses. The lack of my wet signature constitutes an improper and unauthorized inquiry. 

Pursuant to the Fair Credit Reporting Act, I am requesting that you immediately investigate these inquiries. As part of your investigation, you must validate that you have a signed document with my wet signature authorizing each of these inquiries. If you can not provide a copy of a signed document with my wet signature for each of the XXXX inquiries, you are required by law to remove them from my credit file immediately. 

Failure to provide the requested validation with my wet signature and to remove these unauthorized inquiries will be considered a further violation of the FCRA, and I will be prepared to take further legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Care credit/Synchrony Bank . I applied for the Card to get XXXX XXXX  XXXX .. immediately after that I worked for XXXX we closed down for a safety recall for six months. It was not the time to get dental implants. They closed my account due to inactivity drastically dropped my XXXX XXXX by XXXX points .. Ive contacted them several times. They were rude and offered no help and said there was nothing they could do. They could not reopen account and improve credit score begging for your help.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
There are 3 different accounts Jefferson Capital Systems have listed under my name, with the same complaint,1. account # : XXXX in the amount of XXXX dollars, 2. account # : XXXX in the amount of XXXX dollars, and 3. account # : XXXX in the amount of XXXX dollars, Jefferson Capital Systems LLC is attempting to collect a debt without proof of ownership and without producing the legal chain of title. I dispute the debts in its entirety and demand full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You claim to have purchased these accounts from the original creditors. All debts originated by major creditors are routinely securitized, transferred to a trust, and owned by that trust. The trust then becomes the legal creditor. This raises serious questions : 1. Identify the trust that originally held these accounts after securitization. 2.Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 3. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 4. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amounts you claim I owe. 5. Proof that the original creditor securitized the debt. You are required to produce : 1. The full chain of title for these accounts, from origination to present, including all assignments, bills of sale, and transfer agreements. 2. A copy of the original signed agreement creating the alleged obligation. 3. Proof that you have legal standing to collect, including documentation naming Jefferson Capital System LLC as the current creditor. 4. Proof that the debt was not securitized and sold to a trust, or if it was, documentation showing every transfer since securitization. 5. A complete accounting of the amount you claim is owed, including principal, interest, fees, and how these amounts were calculated. If you can not produce these documents, you must : Remove any reference to this account from any credit reporting agency, cease all collection activity, Refrain from selling, transferring, or assigning this account to any other entity. Until you provide full and complete validation, you must cease all collection activity, including reporting or furnishing information to any credit reporting agency. If you have already reported this account, it must be marked as disputed by consumer under 15 U.S.C. 1681s-2 ( a ) ( 3 ). Any attempt to collect without providing proper validation will be considered a violation of federal law and may result in legal action against you. You have 30 days from receipt of this letter to provide the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Issue : Failure to properly investigate dispute / contradictory reporting Details : On XX/XX/scrub>XXXX XXXX XXXX I mailed a written dispute to Experians XXXX, TX dispute center via Certified Mail ( tracking numbers XXXX and XXXX confirmed delivered by USPS ). My dispute letter included full identifying information and requested a reinvestigation of inaccurate accounts, including XXXX XXXX. 

Despite receipt, Experian sent me an email stating they do not believe I sent the letter myself and refused to honor the dispute unless I resubmitted it online. This is not a valid reason to dismiss a mailed dispute and is an act of bad-faith handling under the Fair Credit Reporting Act ( FCRA ). 

Soon after, my Experian credit file reflected that an investigation was supposedly completed within only a few days. I was never provided with proper written documentation of the investigation procedures or results as required under 15 U.S.C. 1681i ( a ) ( 6 ).

Most concerning, Experian contradicted itself regarding XXXX XXXX : They reported the account was verified and will remain.

Yet, they subsequently deleted the account from my credit file.

Additionally, there is no record of this dispute in my Completed Disputes history. 


This inconsistency shows Experian did not conduct a reasonable reinvestigation, falsified the results, and failed to maintain accurate dispute records, violating 15 U.S.C. 1681i ( a ) ( 1 ) & ( 6 ).

Violations : Failure to conduct a reasonable reinvestigation ( FCRA 1681i ( a ) ( 1 ) ) Failure to provide written results of reinvestigation, including procedures and sources used ( FCRA 1681i ( a ) ( 6 ) ) Contradictory reporting : claiming verified to remain while deleting the account Bad-faith handling : dismissing a mailed dispute by questioning authorship instead of honoring it

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
I follow a social media influencer and she made a post on XX/XX/XXXX and I took a look at the post the next morning and the post said to go follow the person that was included in the post and the post claimed that the person in the post in question said if you have a XXXX XXXX account, Chime, XXXX, etc. to reach out to them and that they would give you money. For example, if you have {$300.00} in your account you have to send a screenshot to that person and they would give ten times that amount. I was in contact with the person on XXXX but the person did not show their face fully on the XXXX call on XX/XX/XXXX in the afternoon. At first they wanted me to send {$1.00} and they said that they would refund the money which they did. Then they wanted me to screenshot of my account. So they wanted me to send {$380.00} and then they also wanted me to send {$100.00} next. They claimed that the " process '' would take 10-15 minutes and after a hour I tried to call the person back and the call went to voicemail. Through the rest of that day I called the person back several times and I received no answer. I also tried to call from another phone number and they hung up the phone instantly. I requested the money back from this person twice and they never sent the money back that they told me to send to them. Since XX/XX/XXXX, I've been in contact with my bank to try to dispute the transactions and I have not gotten anywhere with my bank at all unfortunately. I can provide documentation from this person that claimed to be giving money away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-08-26 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
I received a text message from the number XXXX that reads : " Your XXXX past due toll fees account has been referred to F.H. Cann & Associates , Inc. Easily access your account here XXXX to make a payment. To opt out of future messages, reply STOP. Thank you. Customer Care, F.H. Cann and Associates, a debt collector.

It asked me for the my : ( 1 ) Date of birth ( 2 ) Last 4 of social security number ( 3 ) Email I submitted the information because I do owe a slight balance to XXXXXXXX XXXX XXXX XXXXXXXX, but quickly realized that entering the information on the link was not the best way to go about paying off the bill due. I would like assurance that my information is safe.

Company response to consumer: Closed with explanation