vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, outdated, and unverifiable information being reported on my credit reports by Experian, Equifax, and TransUnion. All three bureaus have reported multiple accounts, collections, charge-offs, late payments, and addresses that I dispute. On Experian, I dispute the following : late closed accounts XXXX XXXX XXXX ( XXXX, {$0.00} ) and XXXX XXXX XXXX ( XXXX, {$0.00} ) ; charge-offs XXXX XXXX XXXX XXXX ( XXXX, {$1400.00} ) and XXXX XXXX ( XXXX XXXX {$830.00} ) ; and collections XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, {$570.00} ), XXXX XXXX XXXX  ( XXXX XXXX XXXX, {$680.00} ), and XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$2700.00} ). Additionally, I dispute the hard inquiry from XXXX XXXX XXXXXX/XX/XXXX ). On Equifax, I dispute the collections XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$2700.00} ) and XXXX XXXX ( XXXX XXXX XXXX XXXX, {$680.00} ). On TransUnion, I dispute inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX late closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$0.00} ) * * and SELF XXXX XXXX/ XXXX XXXX XXXX  XXXX * *, {$0.00} ) ; charge-off XXXX XXXX ( XXXX, {$830.00} XXXX ; and collections XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX, {$570.00} ), XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, {$640.00} ) * *, XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2700.00} ), and XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX, {$680.00} ). I have reason to believe these accounts are being reported with inaccurate balances, incorrect dates of first delinquency, improper status, and unverifiable information, which violates FCRA 604, 623.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C.1 1601, 1692 et seq. This constitutes timely written notice that I dispute the purported debt referenced in your communication ( s ) received on XX/XX/year>. I am not refusing to pay a valid debt, but I am demanding validation of this alleged debt before any further collection activity occurs.

15 U.S.C. 1692e prohibits " false, deceptive, or misleading representation or means in connection with the collection of any debt. '' This includes : 1. The false representation of the character, amount, or legal status of any debt ; and 2. The threat to take any action that can not legally be taken.

3. I contend that your communication ( s ) lack sufficient information to establish the validity of this alleged debt, including, but not limited to, vital citations and a clear demonstration of your agency 's jurisdictional and statutory authority to collect this alleged debt from me.

4. Pursuant to 15 U.S.C. 1692g ( b ), Validation of Debts, I demand that, within 30 days of your receipt of this letter, you provide the following documentation to validate your claim : 5. A copy of the original contract or agreement bearing my signature that allegedly creates my obligation to pay this debt.

6. The name and address of the original creditor.

7. An accounting of the debt, including the original amount, any payments made, and any fees or interest charges.

8. Evidence that your organization is legally authorized to collect this debt.

9. I have no recollection of entering into any agreement with your organization that would create such an obligation, and I hereby dispute the existence of any valid contract between us.

10. Pursuant to 15 U.S.C. 1692g ( c ), if you fail to provide the requested validation within 30 days, you must cease and desist all collection activities. This includes, but is not limited to : Any further contact with me by mail, phone, in person, or at my home or work.

Contacting my employer, bank, or any other third party.

Reporting any derogatory credit information to any credit reporting agency regarding this disputed debt.

Filing any lawsuit, lien, or levy related to this disputed debt.

Any attempt to collect this debt without providing proper validation will be considered a violation of the FDCPA and may subject your agency and any individual involved to liability for actual damages, statutory damages, and attorney 's fees.

I declare under penalty of perjury under the laws of the United States of America ( non-incorporated ) that the foregoing is true and correct to the best of my knowledge and belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXXXXXX 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 2025-12-02 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXXXXXX 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 2025-12-02 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: SC

Complaint narrative:
I am filing this complaint because all three major credit bureaus Equifax, Experian, and TransUnion have reported multiple inaccurate, obsolete, and unverified items on my credit file despite my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. My reports contain false personal information, including an incorrect name variation for XXXX XXXX XXXX, multiple inaccurate employers ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ), and a series of old or incorrect addresses ( 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 ) that violate FCRA 607 ( b ) and FCRA 605 regarding outdated and inaccurate data. In addition, several accounts appear on my credit file without validation or proof of ownership, including a Professional Finance charge-off ( ending XXXX, balance {$8800.00} ), which lacks a verified DOFD required under FCRA 623 ( a ) ( 5 ) and was reported without proper validation in violation of FDCPA 809, 807, and 808. Multiple collection accounts XXXX XXXX XXXX  ( XXXX  XXXX  {$25.00} & {$33.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} ), XXXX XXXX XXXX XXXX XXXX {$730.00} ), and XXXX XXXX  XXXX XXXX XXXX {$7500.00} ) also appear inaccurate or unverifiable, particularly because they are linked to the incorrect addresses listed above, making their reporting noncompliant with FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611. Furthermore, my credit file contains a long list of unauthorized or unverified hard inquiries from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and others across dates spanning XXXX, many of which have no permissible purpose under FCRA 604 ( a ) and continue to harm my credit profile in violation of FCRA 605 ( a ). Despite my disputes, the credit bureaus have failed to conduct reasonable investigations or provide documentation proving the accuracy, ownership, or permissibility of these items, violating my rights under FCRA 611 and FCRA 609 ( a ) ( 1 ). I am requesting CFPB intervention as these continued inaccuracies and unverified entries are causing material financial harm, inaccurate creditworthiness representation, and emotional and economic distress.

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 2025-12-02 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-02 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: TX

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX RE : Formal Dispute Under 15 U.S.C. 1681i ( FCRA ) To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of information currently being reported in my consumer credit file under my name and Social Security Number. 

Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting an investigation into the accuracy, relevance, and verification of all negative, derogatory, and adverse items currently appearing on my credit report. 

The following accounts and entries are disputed due to lack of proper verification, questionable accuracy, and/or failure to comply with FCRA reporting requirements : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( derogatory entry ) XXXX XXXX XXXX XXXX XXXX XXXX  ( both accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any other accounts marked as adverse, delinquent, charged-off, in collections, or inaccurate Under 1681i ( a ), you are required to conduct a reasonable investigation into these disputed accounts and to provide me with written proof of verification including : 1. A copy of the original signed contract or application bearing my signature 2. A complete payment history and itemized accounting 3. Proof the reporting entity has legal standing and authority to report this debt 4. Proof of compliance with the Fair Credit Reporting Act If you are unable to provide this documentation, you are required by law to delete the item ( XXXX ) from my credit report. 

Additionally, I am disputing the following personal information as inaccurate and/or outdated and request it be corrected or deleted from my file : Incorrect or outdated phone numbers, including but not limited to : ( XXXX ) XXXX, ( XXXX ) XXXX and any other numbers not belonging to me Any incorrect former addresses or residence units ( XXXX XXXX & XXXX XXXX ) Any names/aliases not legally mine Please complete your investigation within 30 days as required by law and send me an updated copy of my corrected credit report. 

Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and the New York State Attorney Generals Office. 

I have enclosed a copy of my government-issued identification and proof of address for identification purposes. 

SincerelyXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$43000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2025-12-02 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: OH

Complaint narrative:
I am submitting this follow-up complaint to dispute and demand the removal of multiple unauthorized and unverifiable inquiries that continue to appear on my Experian, Equifax, and TransUnion credit reports. These inquiries were made without my consent and violate my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which clearly state that consumer reporting agencies may furnish credit reports only for permissible purposes and that unauthorized inquiries are prohibited. Upon reviewing my credit reports, I identified numerous inquiries I did not authorize, including on Experian : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX ; on Equifax : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX ; and on TransUnion : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. None of these inquiries were authorized by me, nor do they meet a permissible purpose under the FCRA, making their reporting inaccurate, misleading, and damaging to my creditworthiness.

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 2025-12-02 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: Self Financial Inc.
State: IL

Complaint narrative:
I have repeatedly disputed a Self/SouthState Bank account on my XXXX  credit report that is reporting incomplete and inaccurate information. The account shows no payment history, no balance updates, and missing data fields. This creates a misleading negative impact on my score. I opened and closed the account early, but Self/SouthState Bank has not provided full, accurate, or verifiable records. XXXX continues to verify the account without providing documentation. I am requesting the CFPB to require XXXX and Self/SouthState Bank to provide full documentation and reporting compliance or remove the account entirely for failure to report complete and accurate information under FCRA 1681e ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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