vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 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 non-monetary relief
Consumer complaint received 2025-10-14 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: NJ

Complaint narrative:
I am submitting this complaint against TRANSUNION for continuing to report inaccurate information on my credit report related to my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). A late payment was previously reported for XX/XX/year>, which I never made. I have never been late on this account. Transunion has updated the report to show a different late payment for XX/XX/year>, which was never present in prior reports. This is false, misleading, and damaging to my credit profile. I never received written communication from Transunion confirming any investigation or correction of this matter. This pattern of inaccurate reporting and lac of proper verification is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. section 1681e ( b ), which requires Transunion to follow reasonable procedures to ensure maximum possible accuracy. Furthermore, I am facing additional obstacles due to the FTC website being shut down. I was unable to file an FTC Identity Theft report or access vital services through the FTC website. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) take immediate action against Transunion and require them to correct this harmful error. I am demanding that my account with XXXX XXXX be updated to accurately reflect a status of " Paid as Agreed '' or " OK '' as I have always paid this account on time and in full.

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 2025-10-14 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-14 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:
THIS ENTRY IS A RESULT OF CRIMINAL IDENTITY THEFT.

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 2025-10-14 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sezzle Inc.
State: NY

Complaint narrative:
The company sezzle opened a line of credit. I used the line of credit on XXXX. The item was not recieved i disputed with XXXX and sezzle. recently like they always do they ran my card for the payment. They ran XXXX twice on XX/XX/year> at XXXX XXXX  some of the two payments went through and the payment account stayed at the remaining balance it started at. I informed them and they said the payment failed and the payment will stay the same. I wrote again and provided proof the payment went through and there response was please see the previous response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-10-14 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I was a victim of identity theft. Someone has opened several accounts without my permission and authority, using them as if they were my own. During this time, they continued to use these credit cards without impunity, as if they were me, and continued to use them for several years, it seems. They managed to do this for several years until the accounts were maxed out and unpaid. This has completely destroyed my credit profile. I am unable to open or acquire any new credit due to this heinous crime. 


These accounts were opened without my permission or authority, as I was a victim of identity theft and was unaware of these charges. Someone has been using these accounts fraudulently in my name. This situation is distressing ; I can not believe someone would do this to another person. I would like to contest the accuracy of these accounts. It is crucial for my credit report to reflect correct information, as it significantly impacts my financial opportunities. I have made a Police report with my local Police Department, XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
Unauthorized Accounts on Credit Report Date : XX/XX/year> Subject : Complaint Regarding Unauthorized Accounts Reported by Jefferson Capital Systems XXXX XXXX Rewards Card I am submitting this formal complaint because inaccurate and unauthorized accounts have been reported on my credit reports by Jefferson Capital Systems, listing XXXX XXXX XXXX as the original creditor. 

The accounts in question are : XXXX. Jefferson Capital Systems Account # XXXX Balance : {$630.00} Date Opened : XX/XX/year> XXXX. Jefferson Capital Systems Account # XXXX Balance : {$670.00} Date Opened : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 
Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-10-14 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: IN

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

Date : XX/XX/year> To : XXXX Attention : Credit Disputes XXXX XXXX XXXX XXXX XXXX XXXX for goodwill adjustment for late payment on account XXXX Dear Sir/Madam, I am writing to request a goodwill adjustment regarding a XXXX late payment that was reported for XXXX on the XXXX  account ending in XXXX. I recognize I fell behind at that time ; however, I have since made all payments on time and maintained a positive payment history with ongoing account activity. 
I respectfully request that you consider removing the XXXX late mark from my credit report as a goodwill gesture. The late payment is negatively impacting my XXXX XXXX and ability to obtain favorable terms. I understand this is not a legal obligation, but I hope you can consider my history of prompt payments since that incident and my current account standing. 
If you require any documentation to support this request, I can provide : Payment history since the incident Evidence of on-time payments after the event Any other information you deem relevant Thank you for considering my request. I value my relationship with XXXX and XXXX your help in resolving this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-14 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

Date : XX/XX/year> To : XXXX  Attention : Credit Disputes XXXX XXXX XXXX XXXX XXXX XXXX for goodwill adjustment for late payment on account XXXX Dear Sir/Madam, I am writing to request a goodwill adjustment regarding a XXXX late payment that was reported for XXXX on the XXXX account ending in XXXX. I recognize I fell behind at that time ; however, I have since made all payments on time and maintained a positive payment history with ongoing account activity. 
I respectfully request that you consider removing the XXXX late mark from my credit report as a goodwill gesture. The late payment is negatively impacting my credit score and ability to obtain favorable terms. I understand this is not a legal obligation, but I hope you can consider my history of prompt payments since that incident and my current account standing. 
If you require any documentation to support this request, I can provide : Payment history since the incident Evidence of on-time payments after the event Any other information you deem relevant Thank you for considering my request. I value my relationship with XXXX and XXXX your help in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

Date : XX/XX/year> To : XXXX  Attention : Credit Disputes XXXX XXXX XXXX XXXX XXXX XXXX for goodwill adjustment for late payment on account XXXX Dear Sir/Madam, I am writing to request a goodwill adjustment regarding a XXXX late payment that was reported for XXXX on the XXXX account ending in XXXX. I recognize I fell behind at that time ; however, I have since made all payments on time and maintained a positive payment history with ongoing account activity. 
I respectfully request that you consider removing the XXXX late mark from my credit report as a goodwill gesture. The late payment is negatively impacting my XXXX score and ability to obtain favorable terms. I understand this is not a legal obligation, but I hope you can consider my history of prompt payments since that incident and my current account standing. 
If you require any documentation to support this request, I can provide : Payment history since the incident Evidence of on-time payments after the event Any other information you deem relevant Thank you for considering my request. I value my relationship with XXXX and appreciate your help in resolving this matter. 
Sincerely, 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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit acceptance repossessed the car and sold it for a unknown amount and calmed I owe XXXX dollars. There is no proof of what they sold the car for. I got no information of how much it was sold for. There is no public record of the car being sold. When they repossessed the car there was only a XXXX dollar balance left. I have call XXXX many of times to get information about this matter. Credit acceptance has no record of my account or how much the car was sold for. In addition, the sold my account to a collection agency and started a garnishment of my wages for XXXX dollars of amount of money they decided that I owe. Now XXXX acceptance has history of predatory lending, misrepresenting the cost and trickery against the consumer. They hide the cost of loans and unfair repossessions. Please, please do not accept a loan form this company its not worth it. If your credit is bad its better to try someone else because if you accept there loan you will never pay off the loan.

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