vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-02 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: TN

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MI

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX, I sent a debt validation letter to Jefferson Capital Systems , LLC, ( Acct # XXXX ; Amount XXXX ) requesting a signed agreement/contract showing I agreed to this debt ; details of all charges, interest, fees, and payments ; Proof of their legal right to collect this debt, including a copy of the original creditors assignment or transfer of the debt. Jefferson Capital Systems , LLC did not furnish this information within the XXXX XXXX  as requested in the letter. The debt in question originated from XXXX XXXX and was passed on to XXXX XXXX XXXX XXXX who also could not validate the debt. I continuously received correspondence to my mailing address requesting a payment or settlement amounts. I sent a Cease and Desist letter on XX/XX/XXXX asking to put an end to all communication and I no longer received correspondence via phone, mail or text. I am still receiving emails in regard to a debt not validated by the collection agency. The last email was dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX Blitt & Gaines, P.C. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Re : Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri Demand for Dismissal for Lack of Standing and Failure to Provide Proof of Ownership To Whom It May Concern, I am the named defendant in the above-referenced matter currently pending in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri . I am writing to formally demand that your office voluntarily dismiss this case with prejudice due to failure to provide competent, admissible evidence establishing legal standing to sue. 

To date, you have not provided : 1 * A valid chain of title or custody as the lawful owner of the alleged debt 2 * A copy of the original contract or document bearing my signature 3 * A full purchase agreement of the alleged debt from origination to present, showing how the amount claimed was calculated, including the forward flow agreement. 

As you are aware, under Missouri law, the plaintiff bears the burden of proving standing to bring a lawsuit. Standing must exist at the time the suit is filed and must be proven with admissible evidence, not merely attorney assertions. Failure to do so constitutes a fatal defect in your case, warranting dismissal.

Furthermore, continuing to pursue this action without substantiating ownership of the debt may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e ( 2 ) ( A ), which prohibits the false representation of the character, amount, or legal status of a debt.

If you do not dismiss this matter within ten ( 10 ) calendar days of receipt of this letter, I will file a Motion to Dismiss for Lack of Standing and may seek sanctions and attorney fees under Missouri Supreme Court Rule 55 and applicable federal statutes for abuse of process and bad faith litigation. 

This letter is sent in good faith in an effort to resolve this matter efficiently and lawfully. I request your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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 filing this identity theft dispute with XXXX under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2 ( Section 605B ). I am the victim of identity theft, and I am formally disputing the following tradelines reporting as charge-offs, profit and loss with balances, and collectionsnone of which are mine. 

I have submitted a valid FTC Identity Theft Report ( Reference No. XXXX ), along with a government-issued photo ID, proof of address, and written statements identifying each fraudulent account. Despite providing all required documentation, these accounts remain on my XXXX credit file and continue to cause significant material harm. 

The following accounts must be permanently blocked within four ( 4 ) business days, as required under FCRA 1681c-2 ( c ) : * XXXX XXXX XXXX Account XXXX XXXX XXXX, Balance : {$3300.00} ( I did not authorize this charge-off. The vehicle was declared a total loss and settled through insurance. No delinquency occurred, no 1099-C was issued as required under 26 U.S. Code 6050P, and there is no valid contractual liability or permissible purpose under FCRA 1681b ( a ) ( 2 ) to justify this continued reporting. ) * XXXX XXXX XXXX XXXX  Account ending in XXXX, XXXX : {$1200.00} ( Charged-off account. No IRS Form 1099-C was issued for a debt exceeding {$600.00}. ) * XXXX XXXX Account ending in XXXX, Balance : {$1400.00} ( Charged-off with no 1099-C issued. I never opened or authorized this account. ) * XXXX XXXX Associates Account ending in XXXX, Balance : {$1000.00} ( Collection account. I dispute the validity and never authorized or agreed to this debt. ) These accounts were opened or converted into charge-offs or collections without my consent. I never applied for them, and no permissible purpose exists under FCRA 1681b ( a ) ( XXXX ) to justify their continued reporting. 

The continued presence of these accounts also violates the following laws and reporting standards : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681c ( a ) ( 4 ) Illegal re-aging through ongoing monthly updates after charge-off FCRA 1681i ( a ) ( 5 ) ( A ) Refusal to delete unverifiable or misleading information FCRA 1681c-2 ( c ) Failure to block identity theft accounts after receiving full documentation 26 U.S. Code 6050P No Form 1099-C issued for canceled debt over {$600.00}, a requirement under IRS regulations These accounts continue to show balances after charge-off, implying ongoing liability that does not exist and was never authorized. This violates both credit reporting laws and federal tax reporting obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CO

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
This is my second attempt to correct Experians inaccurate reporting, and Im extremely disappointed this has not been fixed. Experian is showing XXXX false late payments : XXXX for XXXX XXXX XXXX XXXX  in XX/XX/year> and another for XXXX XXXX in XX/XX/year>. I have never made a late payment on either accountthis is completely inaccurate. The overall account status shows no issue, yet the payment history claims I was XXXX XXXX  late. That contradiction alone proves the reporting is flawed and misleading. Experian is in violation of 15 USC 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. This also violates 15 USC 1681A ( 4 ), as false and damaging data is being shared without my consent and is harming my credit reputation. These errors have serious consequences and can negatively affect my ability to secure housing, credit, or employment. I have consulted legal counsel and documented every step of my dispute. If Experian continues to allow these false entries to remain, it will be treated as negligent and willful noncompliance under 15 USC 1681n and 1681o. I am demanding immediate correction to reflect my actual on-time payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: MS

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX LA XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-02 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: NV

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Celentano, Stadtmauer & Walentowicz, LLP
State: NJ

Complaint narrative:
Last year I had an emergency that required a trip to the hospital, my wife and I recall paying the bill for the ambulance service and we have heard nothing else concerning it until we received a collection letter from a place calling itself Celentano, Stadtmauer, & Walentowicz, LLP. I attempted to visit the website listed in the letter and the site itself seemed sketchy and flagged the security software on my laptop. Out of caution I today contacted the hospital ( XXXX ) that provided ambulance service and provided them my name, phone number, my wife 's phone number, and two reference numbers from the document ( one of which claimed to be the hospitals account number ). 

The hospital could find no record of an unpaid debt related to our contact info and informed me that neither of the numbers referenced in the documents were valid account numbers for the hospital and do not match any schema they have ever used. In the attached copy of the mail we received I have highlighted the field the company claims was the XXXX XXXX informed me is fraudulent ( their account numbers always start with XXXX and the one provided is alphanumeric and lacks the XXXX so is not a simple typo ). 

After that call I did some research on the company name on the internet and found several references to it being a debt collection scam. Given the many red flags involved in this we have to conclude that whoever this is must have collected information from a security breach at a financial institution since if the debt was real and had been transferred to these people the account number would not be so far off from something the hospital uses even factoring in potential human error.

Company response to consumer: Closed with explanation