vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : XXXX # XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2025 - Balance {$600.00} XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2025 - Balance {$720.00} UNATHORIZED INQUIRY PLEASE DELETE : XXXX XX/XX/2025

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 2025-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Over the last couple of months XXXX XXXX who is working with Pressler felt in Warshaw have been sending me multiple lawsuits after multiple attempts to request debt verification. They are only sending me old statements of the alleged debt that also stated dates that are outside of the statue of limitation in the state of New Jersey, which is six years they repeatedly sent me court orders. Ive sent cease-and-desist letters, debt, verification letters, statue of limitation letters, and they continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: GA

Complaint narrative:
I am a XXXX  of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} Date Opened : XX/XX/2025 Date Last Active : XX/XX/2025 XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$200.00} Date Opened : XX/XX/2025 Date Last Active : XX/XX/2025 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter

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 2025-11-01 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: GA

Complaint narrative:
Equifax continues to report an unverified, inaccurate collection for XXXX XXXX XXXX XXXX XXXX ( XXXX )/ XXXX XXXX even after I disputed twice and provided documentary proof that XXXX  deleted the same item as inaccurate. Equifaxs latest status shows Consumer disputes after resolution and still reports the item as UNPAID {$5000.00} with Date Reported/Status Date : XX/XX/XXXX and DOFD : XX/XX/XXXX ( Acct ending XXXX ). 

FCRA violations & required relief : Failure to conduct a reasonable reinvestigation and to correct/delete inaccurate data as required by FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ). I supplied new, material evidence ( XXXX deletion of the same debt ), yet Equifax kept the item after a cursory verified response from the furnisher. Please review Equifaxs duties under 611 ( a ) ( 1 ), ( a ) ( 2 ), ( a ) ( 5 ) and provide documentation of a reasonable reinvestigation. 
Legal Information Institute Method of Verification ( MoV ) deficiency : Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ), Equifax must provide a description of the procedure used to determine the accuracy, including the business name, address, and telephone number of the party that verified the item. I am requesting full MoV and copies of any underlying records Equifax relied upon. If Equifax can not provide this, 611 ( a ) ( 5 ) ( A ) requires deletion. 
Legal Information Institute Expedited resolution request : FCRA 611 ( a ) ( 8 ) allows expedited dispute resolution ( 3-business-day deletion ) when a CRA resolves a dispute by deleting the information. I request Equifax use 611 ( a ) ( 8 ) to promptly delete this item pending any further verification, and then provide the required notices. ( I understand 611 ( a ) ( 8 ) is a CRA mechanismnot a guaranteed consumer entitlementbut I am requesting it due to ongoing harm. I first disputed this account with Equifax in XX/XX/XXXX, and the account was verified. 
I disputed again in XX/XX/XXXX, submitting additional documentation showing that XXXX  had already deleted the same account as inaccurate. Despite this new evidence, Equifax again verified the item and continues to report it with the remark Consumer disputes after resolution. I was never formally notified of the results. I only learned the dispute was marked completed when I checked the Equifax dispute center online. When I called Equifax directly, I was told that the furnisher, XXXX XXXX XXXX, had verified the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: AL

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 explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-01 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-01 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: OH

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-01 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: OH

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-01 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> 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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for failing to comply with my lawful request under the Fair Credit Reporting Act ( FCRA ) to provide the full method of verification and reinvestigation details required by 15 U.S.C. 1681i ( 7 ). 

I previously submitted formal written disputes regarding inaccurate items on my credit reports and requested a detailed explanation of the procedures each bureau used to verify the disputed information. The FCRA requires that upon request, the consumer reporting agency must provide a description of the reinvestigation procedure, including the name, address, and telephone number of any furnisher contacted, as well as the documents relied upon during verification. 

To date, none of the credit bureaus have provided the information required by law. This failure violates multiple provisions of the FCRA, including : 15 U.S.C. 1681i ( 7 ) : Failure to provide the method of verification within XXXX  days.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper and reasonable reinvestigation. 

I specifically requested the following information, which was ignored or not adequately provided : The name, address, and phone number of each creditor contacted. 

The name of the person or department that verified each dispute. 

The documents used to verify the accuracy of the reported items. 

A description of the procedures used to ensure accuracy. 

If the credit bureaus can not produce this evidence, they are required to delete or correct the inaccurate information under 15 U.S.C. 1681i ( a ) ( 5 ). Their failure to do so has caused continued harm to my credit and constitutes negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
PayPal has froze my acct to a limited status. I can not close account or withdrawal money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX XXXX as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX XXXX as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a personal account with XXXX XXXX. The account was later closed and placed under review after receiving a deposit of approximately {$99000.00} from my attorneys escrow account for a lawsuit settlement. 

XXXX XXXX requested identity verification documents and proof of the source of funds, which I submitted promptly via the official email they provided. I sent : My government-issued ID and Social Security card IRS EIN documentation ( for clarification ) Settlement agreement and disbursement letter from my attorney showing the funds originated from a legal escrow account XXXX  XXXX confirmed receipt of these documents and that my identity and source of funds have been verified, yet my funds remain frozen. Each time I contact customer service or the compliance department, Im told the matter is still under review with no timeline for release or written explanation. 

This has been ongoing since [ XX/XX/year> ], leaving me without access to nearly {$96000.00} of my personal funds that are legally mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains a bankruptcy record that I believe is inaccurate or can not be verified. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ), I am entitled to a fully accurate credit report. I request a thorough review of this bankruptcy entry, and if it can not be confirmed as valid, I ask that it be removed from my report.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One Bank recently partnered with XXXX. I was very hesitant about activating my new debit card because new arrangements cause disruptions. I have been getting declined all over town and my son as well ( attached ). I activated my debit card Thursday morning ( XX/XX/year> ). I was able to use it at a major store, but every other location I'm getting declined ALL OVER TOWN. My son is also getting declined for purchases which is UNACCEPABLE as he is young and XXXX and I DO NOT NEED THIS FOR HIM ( not saying ANY RACE DESERVES THIS ). I attempted to set up his apple pay as well as my younger son and it says repeatedly " oops we hit a snag, try again in a bit ''. I want to address this issue early on. I was able to use it at a major retailer and it worked, but I went to buy lunch at my job and it DECLINED, DECLINED, DECLINED despite me having money in my account. The scary thing is, there was no record of my decline at my job. I had to go to an ATM and withdraw cash and pay a fee. I did research online and it's a HOT topic ( people are getting declined all over town when making purchases ( attached ). I would like this to be investigated as I don't like carrying cash due to the times we are living in. I should not have to be in the middle of a transaction and get declined and now have to run to an ATM to get cash to complete my purchase. Please reach out to Capital One as their customers are suffering and when you call capital one, they are CLUELESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TX

Complaint narrative:
I checked my latest credit report and there were multiple fraudulent accounts reporting these accounts do not belong to me and Im prepared to take the necessary steps of action for removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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 checked my latest credit report and there were multiple fraudulent accounts reporting these accounts do not belong to me and Im prepared to take the necessary steps of action for removal

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 2025-11-01 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: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint because Jefferson Capital Systems ( XXXX XXXX XXXX XXXX  ) * * is reporting two separate collection accounts on my credit report that are completely inaccurate, unverifiable, and not associated with me in any way. Both accounts are reported as opened on XX/XX/year>, with balances of {$1200.00} and {$9200.00} respectively. I have never entered into any credit agreement, transaction, or contract with Jefferson Capital Systems or any original creditor that would justify the reporting of these alleged debts.

The presence of two identical collection accounts from the same company, with the same open date but significantly different balances, raises serious concerns about data accuracy, verification, and reporting integrity. These accounts do not belong to me, and they appear to have been reported in error or without proper verification. Reporting duplicate or unverifiable accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain maximum possible accuracy, and 15 U.S.C. 1681s-2 ( b ), which requires furnishers to ensure that information provided to consumer reporting agencies is verified and accurate.

I have already disputed these accounts directly with the credit reporting agencies and with Jefferson Capital Systems, requesting that they verify the legitimacy of these accounts or remove them entirely. However, both accounts remain on my credit report, untouched, and no documentation or proof of validation has ever been provided. This lack of verification and continued reporting constitutes a violation of FCRA 1681i ( a ), which requires the deletion of any information that can not be verified after a reasonable reinvestigation.

These false collection entries have caused significant harm to my credit reputation and score, and they have negatively affected my ability to obtain credit on fair terms. The emotional and financial damage caused by the negligent handling of my credit data is unacceptable and must be addressed promptly.

Company response to consumer: Closed with explanation