vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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 ask for the removal of this unapproved inquiry from my credit report. I am not associated with these creditors, and this entry must be corrected right away.

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 2025-10-21 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-10-21 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: GA

Complaint narrative:
I am writing as a consumer who values financial integrity and accurate reporting. After recently reviewing my credit file, I noticed several entries that appear inconsistent with my actual credit history. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute inaccurate or unverifiable information and request a thorough reinvestigation of the accounts listed below and, like a small but important chapter in my financial story, I ask that any item you can not fully and positively verify be permanently removed so my report reflects the true record of my responsibility ; imagine the relief of turning the page to a clean, accurate items of my credit history XXXX XXXX XXXX * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$750.00} XXXX XXXXXXXX * * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXXXXXX * * XXXX * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance Owed : {$1000.00} XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-10-21 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: Experian Information Solutions Inc.
State: TN

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 explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the immediate removal of this incorrect account from my credit report, as I never authorized its creation or usage. I have included all necessary documentation to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am submitting an urgent follow-up complaint regarding Ally Financials continued refusal to assist with my ongoing financial hardship and their recent threat to repossess my vehicle despite my repeated attempts to communicate and seek help. 

After my initial CFPB complaint ( # XXXX ), Ally provided no meaningful resolution. I have consistently contacted Ally by phone and email since XXXX to request hardship assistance, payment deferment, or any viable modification option. Ive repeatedly explained my financial hardship and willingness to pay what I can. 

Despite this, Ally has continued to deny all hardship requests, claiming that their system does not pre-qualify me without offering any alternative or escalation. I specifically requested a supervisor callback several times, including emails sent to XXXX on XX/XX/year>, and multiple follow-ups since then, but have received no response whatsoever. 

Most concerningly, I recently received a letter from Ally stating that I must pay the full remaining balance by XX/XX/year>, or they will move forward with repossession. This is unacceptable given that I have made every effort to communicate my hardship, request help, and avoid default. I have documentation of every attempt and am attaching copies of correspondence and the notice received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Transunion has been reporting a delinquent account that does not belong to me.No validation of debt.Unverified debt validation.Refused to correct and account sold to debt buyer with unverified account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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. This fraudulent, inaccurate, and false information consists of DPEDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX DPEDXXXX - XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have filed a FTC Identity Theft Criminal Complaint from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Reel Time Capital LLC
State: KS

Complaint narrative:
Reel Time Capital called my mom, my dad, and threatened to show up to my employer. They apparently bought a debt ( one I didnt know I had ) on XX/XX/year>, and not ONCE have they called and left a voicemail making me aware I had a debt owed. There is no way to even make a payment on their website. It appears it has to be over the phone. They went out of their way to find my parents phone numbers before calling me. They also had my full social security number. 

In the email shown below, they admitted they dont even directly collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I make it a priority to review my credit report regularly because maintaining a strong credit score is very important to me. However, I continue to see multiple inaccurate and false accounts reported under my name. Despite my repeated efforts to have these errors corrected, the issue remains unresolved. This ongoing inaccuracy has caused unnecessary stress and frustration, and it continues to harm both my credit score and my overall financial well-being.

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 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt in the amount of {$320.00} account number XXXX that you claim I owe. I have no knowledge of this debt and have never had any contract or agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide verification of this debt. Please provide the following information : XXXX. The name of the original creditor. XXXX. A full itemization of the debt, including all interest, fees, and charges. XXXX. Documentation showing that I agreed to or am responsible for this debt. XXXX. Proof that you are legally authorized to collect this debt in my state. XXXX. A copy of any judgment ( if applicable ). Until this debt is validated, you must cease all collection activities and stop reporting this debt to any credit reporting agency per federal law. Please also note that any attempt to contact me regarding this matter at my place of employment, by phone, or to any third party, is not permitted. This is a formal dispute of the debt. If you continue to report this account to any credit bureau without validating it, you will be in violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), and I will not hesitate to take appropriate legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
It happened on the XXXX of XXXX at XXXX, I was scammed out of {$3000.00}. when I asked the scammers if I could have my money back they said that I owed them which I don't. I reported them to the authorities, but yet to hear anything.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, the information on my report must be accurate, complete, and verifiable. I ask that these late payment records be investigated, and if they can not be validated, that they be amended or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
Subject : URGENT DISPUTE OF FRAUDULENT ACCOUNTS FCRA VIOLATION REPORT # XXXX From : XXXX XXXX XXXX XXXX : XX/XX/year> Dear Dispute Department, I am formally demanding, under 15 U.S.C. 1681i ( FCRA 611 ) and FCRA 605B, the immediate investigation and PERMANENT DELETION of 4 fraudulent accounts on my credit report. These are egregious cases of identity theft, substantiated by XXXX XXXX Report # XXXX ( filed XX/XX/year> ), and your failure to act will constitute a blatant violation of federal law. 
FRAUDULENT ACCOUNTS TO DELETE IMMEDIATELY : 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 via credit report review. 
Absolute Denial : I NEVER authorized, applied for, or used these accounts. 
Legal Backing : Supported by police report filed with XXXX XXXX. 
NON-NEGOTIABLE DEMANDS UNDER FCRA : CONDUCT A THOROUGH INVESTIGATION AND DELETE all XXXX accounts within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ), or face legal consequences.

IMMEDIATELY BLOCK THESE AS FRAUD per FCRA 605B, effective instantly upon receipt. 
DELIVER A FULLY UPDATED CREDIT REPORT to my address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), confirming deletions. 
ENFORCE {$0.00} LIABILITY per 15 U.S.C. 1681n, protecting my financial integrity.

Your failure to comply will trigger SEVERE PENALTIES including $ XXXX per violation, attorney fees, and a formal CFPB complaint. This is not a request ; it is a legal mandate. Declaration under 28 U.S.C. 1746 : This is ABSOLUTELY TRUE AND UNDISPUTABLE. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
Subject : URGENT DISPUTE OF FRAUDULENT ACCOUNTS FCRA VIOLATION REPORT # XXXX From : XXXX XXXX XXXX XXXX : XX/XX/year> Dear Dispute Department, I am formally demanding, under 15 U.S.C. 1681i ( FCRA 611 ) and FCRA 605B, the immediate investigation and PERMANENT DELETION of 4 fraudulent accounts on my credit report. These are egregious cases of identity theft, substantiated by XXXX XXXX Report # XXXX ( filed XX/XX/year> ), and your failure to act will constitute a blatant violation of federal law. 
FRAUDULENT ACCOUNTS TO DELETE IMMEDIATELY : 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 via credit report review. 
Absolute Denial : I NEVER authorized, applied for, or used these accounts. 
Legal Backing : Supported by police report filed with XXXX XXXX. 
NON-NEGOTIABLE DEMANDS UNDER FCRA : CONDUCT A THOROUGH INVESTIGATION AND DELETE all XXXX accounts within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ), or face legal consequences.

IMMEDIATELY BLOCK THESE AS FRAUD per FCRA 605B, effective instantly upon receipt. 
DELIVER A FULLY UPDATED CREDIT REPORT to my address ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), confirming deletions. 
ENFORCE {$0.00} LIABILITY per 15 U.S.C. 1681n, protecting my financial integrity.

Your failure to comply will trigger SEVERE PENALTIES including $ XXXX per violation, attorney fees, and a formal CFPB complaint. This is not a request ; it is a legal mandate. Declaration under 28 U.S.C. 1746 : This is ABSOLUTELY TRUE AND UNDISPUTABLE. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Brock & Scott, PLLC
State: FL

Complaint narrative:
Brock & Scott , PLLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Re : Dispute of Alleged Debt-False Misleading Documents Sent Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing in response to a document I received from your office, which was represented as a [ judgment sheet/ fact information sheet ] dated [ XX/XX/year> ]. 
After reviewing the matter and confirming with the XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, I have determined that the document is false and misleading, as no judgement against me exists in this case. 
Under the Fair Debt Collection Practices Act ( FDCAP ), 15 U.S.C 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representation in connection with the collection of a debt, including documents that appear to be official court records or misrepresented the legal status of an alleged debt. Your actions appear to violate these provisions.

Accordingly, I am formally disputing this alleged debt and demanding : 1. Immediate verification of the debt as required under 15 U.S.C 1692g.

2. Written confirmation that you will cease all collection efforts until proper verification is provided.

3. A full explanation of why a false or misleading court document was sent to me.

Be advised that I am maintaining detailed record of all correspondence related to this matter. If this violation is not corrected, I will not hesitate to file a complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General Office. Additionally, I reserve the right to pursue civil remedies under the FDCAP, including statutory damages, actual damages, and attorneys fees. 

This letter is being sent via certified mail for proof of delivery. I except your written response within 30 days of receipt. 
Sincerely ____________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Texas XXXX RE : Request for Debt Validation To Whom It May Concern : I am responding to your call regarding an alleged debt. This is not a refusal to pay, but a request that you validate the debt as required under the Fair Debt Collection Practices Act. 

Please provide the following : The name and address of the original creditor. 

The full amount of the alleged debt, including a breakdown of any interest or fees. 

Documentation showing that I agreed to assume this debt. 

Proof that you are legally authorized to collect this debt. 

If you can not provide this documentation, please stop all collection efforts and remove any negative credit reporting related to this alleged debt. 

Sincerely, [ XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
This is for Equifax today XX/XX/2025 XXXX sent over for XXXX XXXX to update and rapid rescore my credit account to close and acquire a mortgage. Due to close on XX/XX/2025. 
XXXX said they would not accept the provided letter. I needed to Call XXXX XXXX and get a updated letter. I did and have provided the letter as a attachment. I hope this can be resolved by XXXX. I have a XXXX closing. All proof is attached. You can call XXXX XXXX I have authorized them to speak to all credit bureaus. XXXX XXXX customer service number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: William D. Meeker Enterprises, Inc.
State: GA

Complaint narrative:
This is for XXXX today XX/XX/year> CiC sent over for XXXX XXXX to update and rapid rescore my credit account to close and acquire a mortgage. Due to close on XX/XX/year>. 
CiC said they would not accept the provided letter. I needed to XXXX XXXX XXXX and get a updated letter. I did and have provided the letter as a attachment. I hope this can be resolved by XXXX. I have a XXXX closing. All proof is attached. You can call XXXX XXXX I have authorized them to speak to all credit bureaus. XXXX XXXX customer service number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
This is for XXXX today XX/XX/year> XXXX sent over for XXXX XXXX to update and rapid rescore my credit account to close and acquire a mortgage. Due to close on XX/XX/year>. 
XXXX said they would not accept the provided letter. I needed to XXXX XXXX XXXX and get a updated letter. I did and have provided the letter as a attachment. I hope this can be resolved by XXXX. I have a XXXX closing. All proof is attached. You can call XXXX XXXX I have authorized them to speak to all credit bureaus. XXXX XXXX customer service number XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief