vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: CA

Complaint narrative:
I am writing to follow up on the letters I previously sent regarding the removal of fraudulent items from my credit file. I kindly request that Experian and TransUnion Credit Bureaus remove the remaining fraudulent entries promptly. I want to express my gratitude for the actions taken thus far. I appreciate that the three credit bureaus have already removed some of the fraudulent items, with special thanks to Equifax Credit Bureau for their assistance. I am writing to formally request the removal of the remaining fraudulent items from my credit report. Below, I have outlined the specific entries that I believe to be fraudulent and urge you to promptly investigate and remove them from my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXXXXXX XXXX XXXX XX/XX/year>

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 2025-06-28 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: LJ Ross Associates
State: FL

Complaint narrative:
In XX/XX/year>, a collection account in the amount of {$100.00} was opened and reported to all three credit bureaus by LJ Ross on behalf of XXXX XXXX XXXX XXXX ( XXXX ). 

I never received any billing statements or final notices from XXXX regarding this debt prior to its placement in collections. Additionally, LJ Ross never sent me a debt validation notice, as required by the Fair Debt Collection Practices Act ( FDCPA ), before reporting this collection account. 

I was unaware of this alleged debt until it appeared on my credit report and have not received any documentation that clearly explains the charges or establishes my responsibility for this amount. 

I am formally disputing this account and requesting a full investigation into its accuracy and reporting practices.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit report and found numerous fraudulent inquires, which I have NO knowledge of. These are the fraudulent inquires I have found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also found accounts that I'm not aware of and have not authorized : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX 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 explanation
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
The reporting of this account on XXXX XXXX, and Equifax shows significant inconsistencies and inaccuracies, which violate multiple sections of the Fair Credit Reporting Act ( FCRA ). Specifically : XXXX  reports this as an Open Account 120 Days Late, while the account is actually a Collection/Chargeoff and should not be classified as an active line of credit. 

Equifax shows the same account as " OK '' payment status during the same time Experian marks it as XXXX days delinquent, which is contradictory and misleading. 

TransUnion does not show detailed payment history or clarify the account type correctly ( lists it only as Open Account with no supporting details ). 

There is a discrepancy in the " Date of Last Activity '' and " Date of Last Payment '' across XXXX XXXX XXXX  which implies possible data integrity issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
In XX/XX/year>, a collection account was opened by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX for the amount of {$150.00}. 

I have since paid this account in full, and the balance now reflects {$0.00} across all three credit bureaus. However, the account is still listed as a collection/chargeoff, which continues to negatively affect my credit score. 

I am respectfully requesting that, in recognition of the fact that this debt has been resolved, the collection account be removed entirely from all credit reporting agencies ( TransUnion, Experian, and Equifax ).

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the debt you claim I owe and to address your unlawful collection actions. I do not acknowledge any debt to the following collection agencies : XXXX. XXXX - XXXX Under 12 CFR 1006.34 ( b ) ( 5 ), I request complete validation, including the original creditor, account details, and a full itemization of all charges. A copy of the purchase agreement is also required to confirm your authority to collect. Ive filed a complaint with the CFPB over these issues. 

I am revoking all permission to contact me by phone, email, or text. Only written communication is permitted. Your failure to properly notify me and allow dispute, as required by law, violates my rights. Furthermore, [ creditor_name ] is prohibited from reporting this debt without providing the necessary disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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:
Hello, I am reaching out to follow up an update on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 


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 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

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 2025-06-28 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX I am writing to formally dispute the accuracy of certain information on my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that the following accounts are being reported inaccurately, violating my rights under 15 U.S. Code 1681e ( b ) and 1681i ( 5 ) : Account Name : XXXX XXXX XXXX XXXX Reported Balance : {$2400.00} Opened Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  Closed Date : XX/XX/XXXX These accounts contain discrepancies, including conflicting statuses ( closed vs. open ) and inaccuracies regarding the original creditor 's information. Furthermore, the information reported does not comply with 15 U.S. Code 1681c-2, which mandates that a consumer reporting agency must block the reporting of any information resulting from alleged identity theft within four business days of receipt of identification.

In accordance with 15 U.S. Code 1681, I assert my rights to privacy and confidentiality, and I am requesting that you provide me with the original copy of the agreement and the terms and conditions related to these accounts. 
Failure to comply with my request to delete these accounts will result in a potential claim for damages of {$1000.00} per account, as stipulated under the FCRA. I expect that you will act to block these transactions from being reported on my consumer report within four days from the date of receipt of this notice. 
I look forward to your prompt response and resolution to this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

.

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 2025-06-28 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: FL

Complaint narrative:
In XX/XX/year>, a collection account for {$550.00} was reported by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

I was not properly notified about this debt prior to it being placed for collection and reported to the credit bureau. I have not received a billing statement, notice of default, or any written validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the validity and accuracy of this account and request an investigation to determine if it was reported in compliance with consumer protection laws

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 2025-06-28 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: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there a several loans credit cards and students loans ive never opened. I have never gave anyone authorization or permission to open these accounts without my consent

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I checked my credit today and there a several loans credit cards and students loans ive never opened. I have never gave anyone authorization or permission to open these accounts without my consent

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 2025-06-28 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: TX

Complaint narrative:
There are accounts listed on my credit report that I dont recognize, and since I didnt authorize them, they may be the result of identity theft. Ive raised this issue with you before, and Im following up to request that these accounts be promptly removed. Their presence has been distressing, as they do not reflect my true credit history or financial conduct. This has been a challenging situation, and Im prepared to take legal steps if necessary to correct it. These inaccuracies are blocking important financial milestones, such as buying a home and supporting my family. Im eager to see this resolved quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Summary of the issue : I am an American citizen residing in XXXX and have held a personal Chase checking account for over XXXX  years. On XX/XX/year>, I attempted to transfer {$14000.00} USD via XXXX to my personal account in XXXX, XXXX a transaction path Ive used reliably many times over the past XXXX  years. 

Since that date, Chase has : - Cancelled XXXX attempted transfers without meaningful explanation, only citing security review. 
- Locked me out of my online account twice ( I regained access the first time, but Ive now been locked out for over XXXX weeks ). 
- Refused to accept my correct answers to multiple security questions via phone and has told me there is no override mechanism available not even to supervisors in the fraud division. 
- Advised me to try again tomorrow, which leads to the same result : failure and another lockout. 
- Ultimately insisted I must present myself in person at a branch in the US to resolve the issue a logistical impossibility, as I currently live in XXXX. 

Notably, a {$150.00} USD test transfer I sent to myself during this process did go through successfully, which proves that the destination account is legitimate and functional. This has not resolved anything in Chases system, which continues to block the larger transfer. 

This situation has caused ongoing stress and financial hardship. I am requesting the following : 1. Immediate release of the {$14000.00} USD transfer to my XXXX account. 
XXXX. Restoration of full access to my online account. 
XXXX. A formal explanation of the issue and what will be done to prevent recurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal notice that I dispute the debt you allege I owe and reject any responsibility for it. I also cite multiple violations of federal consumer protection laws in your collection efforts. I do not acknowledge any debt associated with the following agencies : XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand full validation in accordance with 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, detailed account information, and a complete breakdown of all charges. You must also provide a copy of the debt purchase agreement. A formal complaint has been submitted to the CFPB concerning these issues.

Effective immediately, you are prohibited from contacting me by phone, text, or email. Communication must be in writing only. Your failure to provide a valid opportunity to dispute the debt violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). In addition, your deceptive methods and lack of mandatory disclosures are unlawful. It is also illegal for [ creditor_name ] to report this debt to credit bureaus without proper notice, as outlined under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-06-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
The XXXX never notified me that the debt was sold to a debt collector XXXX XXXX who then sold it to Jefferson Capital Systems LLC. I was not notified of this whole entire process and now I got a letter about Jefferson Capital Systems LLC threatening to sue under XXXX XXXX XXXX. Its not fair and its not right. I dont have {$10000.00} to pay within the 10 days theyre trying to threaten me with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is to notify you that I formally dispute the debt you assert I owe. I also wish to raise serious concerns about the legality of your collection practices. I do not acknowledge any obligation to the following agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide full debt validation as required by 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, account number, balance breakdown, and a copy of your purchase agreement with the original creditor. I have reported these concerns to the Consumer Financial Protection Bureau. 

I also revoke consent for contact via phone, text, or email. From now on, communication must be in writing. Failure to provide a proper dispute opportunity per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and the use of deceptive collection practices without the required legal disclosures, violate my consumer rights. In addition, [ creditor_name ] may not furnish information to credit bureaus without proper disclosure under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief