vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: PA

Complaint narrative:
I am writing a complaint regarding a charge-off reported by XXXX  on my credit report. The information is inaccurate because the account does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers must ensure accuracy and investigate disputes within XXXX  days. I have disputed this with the credit bureau ( s ) and the furnisher, but the error remains. This inaccurate reporting has negatively impacted my credit score and ability to obtain credit. they have XXXX accounts and they seem to be incorrect and completely misinterpreting my credit health. This is a huge inconvenience and i need help resolving this please i CALLED MONTHS AGO, AND A REP ON THE RECORDED LINE PROMISED TO REMOVE ANY LATE PAYMENTS IF I PAID SINCE THEY NEVER UPDATEDMY ADDRESS AND MY STATEMENTS STOPPED COMING, THEN I CALLED BACK BECAUSE THEY HAVE CONTINUED TO INCORRE TLY NEGATIVELY REPORT AND DISCIMINATORY, AND ACCUSTORY IN HER NATURE PERSISITED THAT IT WAS MY FAULT THAT THE REP WHO I ENTRUSTRED TO UPDATE MY INFIRMATION A YEAR AGO NEVER DID AND SUBSEQUENTLY MY RESPONSIBILITY THAT I HADN ; T BEEN RECEIVING MY STATEMENT. i ASSURED THE WOMAN THAT DRILLING ME ON THAT WOULD NOT NEGATE THE FACT THAT THEIR REP ON A RECORDED LINE PROMISED TO UPDATE AND FIX MY CREDIT REPORT IF I PAID IT OFF WHICH I DID AND, THEY STILL HAVE YET TO HOLD UP THEIR END OF THE BARBGIN OR.. COMPROMISE, ADDITIONALLY TEHY HAVE CONTINUED TO REPORT INACCURATE, UNFAIR INFORMATION TO MY REPORTAS A XXXX XXXX XXXX, AND SUBSEQUENTLY CAUSED .. ME TO BE DIENIED CREDIT, AND HAVE MY CURRENT LINES REDUCED BECAUSE OF THIS PREADTORY COMPANY NOT DOING THEIR DUE DILLAGANCE NOR CARING ABOUT HOW THEY DISPOPORTIONALLY NEGATIVELY AFFECT THE LIVES OF THE WOMEN OF XXXX WHO ENTRUST THEM TO BE HONEST AND TRANSPARENT IN REPORTING AND RECTRIFY INFORMATION WHEN A MISTAKE IS MADE ON TEHIR COMPANYS PART..

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-09 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: GA

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 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 2025-12-09 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
Dear Sir/Madam, I am writing to file a dispute regarding the inaccurate reporting of several accounts on my credit report. I am requesting that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX, XX/XX/XXXX, XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments : XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX 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 2025-12-09 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 



I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit 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 explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 



I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed on my credit 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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting an alleged XXXX account on my credit reports even though they can not validate the debt and have admitted in writing through their CFPB response dated XX/XX/year> ( Case # XXXX ) that : They do NOT possess the original contract. 

They do NOT possess a complete billing history or account-level documentation. 

They rely solely on verification information provided by the seller. 
The account is marked Cease & Desist, yet they continue credit reporting.

They can not provide competent evidence of the debt as required under FDCPA 1692g ( b ).

These admissions show clear violations of : FDCPA : 1692g ( b ) : Failure to validate 1692e : False representation 1692f : Unfair practices 1692c ( c ) : Reporting despite Cease & Desist status FCRA : 1681e ( b ) : Reporting inaccurate / unverifiable information 1681i : Failure to reasonably reinvestigate 1681s-2 ( b ) : Furnisher failed to conduct a reasonable investigation XXXX Credit Reporting Standards : A debt lacking documentation can not be furnished A dispute can not be verified without original creditor records A Cease & Desist account must not be furnished Midland continues furnishing this account under paid/closed/collections status even though they can not legally verify ownership, balance accuracy, or contract terms. 

I am requesting the CFPB to investigate and require Midland to : Permanently DELETE the Midland Credit Management account from XXXX XXXX XXXX XXXX

Correct their internal validation procedures.

Provide a full explanation of how they verify debts without original creditor documentation.

I am attaching : The Midland CFPB response My force-removal letter My affidavit Copies of bureau disputes Proof of violations This account is unverifiable, invalid, and illegally furnished. 
I am requesting full deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
notify you that they lowered the weekly hours of work to XXXX or XXXX a week. They also placed a child support on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Please reference CFPB case XXXX. I followed up today, XXXX as once again the verification letter did not arrive. Theyre unwilling to help me so I asked to be transferred to a supervisor and the supervisor was unwilling to help me and told me to wait another XXXX weeks. I explained everything and expressed my concerns and I expressed the desire to understand what the process would be if the letter did not come again because its already happened XXXX times so at what point is it gon na be actually related to a different way of verification? They wouldnt talk to me about anything and told me to wait for the letter. The reason that I called him today because they emailed me that I must be very serious email that I must update my address. Even though my address in their system is correct because I receive all the bills. So I went online to update my address and XXXX kicked out of my online account because of no verification so I called them and they wont let me talk to them anybody about because I cant verify and the reason I cant verify is because XXXX not receiving a letter, although you can verify me in any other way possible no worries But because XXXX not receiving a letter either theyre not sending or it could be misplaced somewhere XXXX times, XXXX not allowed to access to my credit card my savings account or my checking account. I advised them illegal, and they have to provide me with an alternative means of verification, and they would not once again. I actually recorded the conversation this time so XXXX be uploading that to this complaint. Every time I talk to them, XXXX gon na put a complaint on on your website until they deal with it correctly or something happens. Otherwise, I will be finding legal services to assist me in this matter because its this is its just wrong. Its just cruel and wrong. I wanted his access to my account in my money and they will not give it to me for XXXX months. Citibank has been atrocious. Their employees have been incredibly rude to me. They have hung up on me multiple times. Unacceptable. I need help with this situation please

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 2025-12-09 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 a dispute regarding inaccuracies on my credit report. Below are the details of the accounts I am disputing, separated by each credit bureau. Please investigate and correct these errors as soon as possible. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payments : XXXXXXXX Account Number : 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date : XXXXXXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Inaccurate Accounts & Unauthorized Inquiries To Whom It May Concern : I am formally disputing the accuracy of several items on my Experian credit report. 

1. XXXX XXXX Charged-Off Credit Card ( {$670.00} ) This account contains : Inconsistent dates between bureaus Re-aging ( charge-off months reported through XXXX ) Missing last payment information Balance shows {$0.00} but status is charge-off ( conflict ) Under FCRA 611, please delete this account if you can not validate everything. 

2. XXXX XXXX XXXX XXXX XXXX ( {$990.00} ) This account is inaccurate because : Different reporting dates across bureaus Closed on Experian but open on XXXX  No documentation has ever been provided to prove ownership Please delete this account unless fully validated. 

3.Unauthorized Hard Inquiry XXXX XXXX XX/XX/XXXX I did not authorize this inquiry. 
Please remove it under FCRA 604. 

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 2025-12-09 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:
This reporting is incorrect because the inquiry was never authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 am submitting a dispute regarding inaccuracies on my credit report. Below are the details of the accounts I am disputing, separated by each credit bureau. Please investigate and correct these errors as soon as possible. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payments : XXXX Account Number : 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-09 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 not linked to these accounts in any way; please remove them within 15 days by law.

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