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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 XXXX 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/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

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 non-monetary relief
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: EQUIFAX, INC.
State: IL

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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TN

Complaint narrative:
I never entered into any agreement with Jefferson Capital Systems LLC {$4100.00} nor XXXX XXXX XXXX XXXX XXXX for {$4200.00}. They have harassed me with telephone calls and letters. They say that they represent creditors that I had in the past that charged off this account. I've never received a 1099 from these creditors, nor have I received any documentation from these companies. They are all out here just using my name and sending it off trying to scam me out of more money.

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: TX

Complaint narrative:
I feel helpless knowing that the inaccurate accounts are still listed on my credit reports and havent been taken off. Im desperately asking you to take another deep look at all the documents Ive provided so I can finally stop fearing this situation and move forward with peace.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXXXXXX 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 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: FL

Complaint narrative:
Subject : Formal Complaint for Willful FCRA Violations by XXXX, XXXX, and XXXX  self/southstate bank To the Consumer Financial Protection Bureau ( CFPB ) : I am submitting this formal complaint against XXXX, XXXX, and XXXX  for their continued, willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, regarding two demonstrably inaccurate accounts reported by southstate bank. 

Despite my previous disputes, the credit reporting agencies have flagrantly refused to conduct a reasonable reinvestigation or correct the inaccurate and misleading information, thereby perpetuating the harm to my credit reputation. 

Accounts at Issue : Creditor : Self/Southstate Bank Account Numbers : XXXX Balance : Approximately {$94.00} Violation : charge off {$94.00} incomplete reporting, disproportionate impact Willful Violations Include : Failure to conduct any meaningful or lawful reinvestigation as mandated by 15 U.S.C. 1681i. 

Knowing or reckless reporting of false and misleading information in violation of 15 U.S.C. 1681e ( b ).

Failure to delete or correct unverifiable information despite clear evidence of inaccuracy.

Noncompliance with Metro 2 reporting protocols requiring accurate coding of disputed and erroneous information. 

This ongoing misconduct by the credit bureaus is not only unlawful but also malicious, causing measurable and ongoing harm to my creditworthiness and financial wellbeing. 

Demand for Immediate Action : I hereby demand the immediate deletion or accurate correction of the referenced accounts from the credit reports maintained by XXXX, XXXX, and XXXX. 

Furthermore, I require written confirmation within 15 days verifying that the requested corrections or deletions have been effectuated. 

Legal Consequences : Failure to comply with these demands will leave me no option but to pursue all available legal remedies under 15 U.S.C. 1681n, including but not limited to : Actual damages Statutory damages of up to {$1000.00} per violation Punitive damages Recovery of attorneys fees and costs I am fully prepared to initiate litigation to enforce my rights and seek full compensation for the willful violations and resulting damages. 

This letter constitutes formal notice of my intent to take all necessary legal action unless this matter is resolved promptly and satisfactorily. 

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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

Complaint narrative:
Subject : Failure to Provide Documentation Supporting Credit Reporting Violation of FCRA I am filing this complaint due to the failure of Experian, TransUnion, and Equifax to provide legally required documentation substantiating the reporting of several closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I submitted formal written requests via certified mail, demanding verification of the reported accounts, specifically requesting documentation bearing my original, wet-ink signature as evidence of my contractual obligation to the alleged debts. 

Despite allowing sufficient time for investigation and response, the bureau has failed to produce any such documents. Instead, I received generic replies that do not meet the standard of verification required by law. The lack of appropriate documentation calls into question the accuracy and legitimacy of the information being reported. 

The continued inclusion of these unverifiable accounts constitutes a violation of my rights under the FCRA, specifically under 15 U.S. Code 1681i, which mandates that consumer reporting agencies must conduct a reasonable investigation when a consumer disputes information and remove or correct information that can not be verified.

I respectfully request the CFPB to investigate this matter and compel the credit bureau to either : Provide verifiable documentation bearing my original wet signature, or immediately delete the disputed accounts from my credit file.

I regret that I do not have copies of the original letters sent, but they were properly dispatched via certified mail. I am requesting that these accounts be removed or updated accordingly until the bureaus can provide adequate documentation proving their legal basis to report these accounts. 

I appreciate the Bureaus attention to this matter and request timely enforcement action to ensure compliance with federal 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Subject : Failure to Provide Documentation Supporting Credit Reporting Violation of FCRA I am filing this complaint due to the failure of Experian, TransUnion, and Equifax to provide legally required documentation substantiating the reporting of several closed accounts on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I submitted formal written requests via certified mail, demanding verification of the reported accounts, specifically requesting documentation bearing my original, wet-ink signature as evidence of my contractual obligation to the alleged debts. 

Despite allowing sufficient time for investigation and response, the bureau has failed to produce any such documents. Instead, I received generic replies that do not meet the standard of verification required by law. The lack of appropriate documentation calls into question the accuracy and legitimacy of the information being reported. 

The continued inclusion of these unverifiable accounts constitutes a violation of my rights under the FCRA, specifically under 15 U.S. Code 1681i, which mandates that consumer reporting agencies must conduct a reasonable investigation when a consumer disputes information and remove or correct information that can not be verified.

I respectfully request the CFPB to investigate this matter and compel the credit bureau to either : Provide verifiable documentation bearing my original wet signature, or immediately delete the disputed accounts from my credit file.

I regret that I do not have copies of the original letters sent, but they were properly dispatched via certified mail. I am requesting that these accounts be removed or updated accordingly until the bureaus can provide adequate documentation proving their legal basis to report these accounts. 

I appreciate the Bureaus attention to this matter and request timely enforcement action to ensure compliance with federal law.

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: KY

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 XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$26000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the validity and accuracy of the account on XXXX XXXX which has been marked as a charge-off with an over {$1000.00} debt, this account involves fraudulent activity and I have previously given XXXX XXXX and Experian notice and disputes regarding this matter. However, to this date no adequate investigation or resolution has occurred, and the accounts continuously negatively affect my credit report and financial record.Under 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you : Cease and desist from any further communication with me regarding this alleged debt, except as allowed by law.

Refrain from reporting or re-reporting this fraudulent account to any consumer reporting agencies, or take immediate steps to remove any such reporting.

Provide written verification that the account has been flagged and is being investigated for fraud, or provide documentation that substantiates the validity of the debt. 
Please note that continuing collection efforts or communication regarding this account after receiving this notice may constitute a violation of the FDCPA, which could result in legal action. Additionally, under 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), you are required to accurately report information to credit bureaus and to investigate disputed information in a timely and fair manner. 
If this account is being handled by a third-party debt collector, you are required to notify them of this dispute and of my request to cease further contact. 
I request that you respond within 30 days from the date of this letter with confirmation that this matter is being resolved and that the account will be removed from any credit reporting or collection activity. 
This letter is sent with the intention of protecting my rights and should not be construed as acknowledgment of any debt.

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