vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I am submitting this fifth-round follow-up complaint regarding certain accounts on my credit report that continue to display inaccurate information despite my previous attempts to have them corrected. Specifically, several accounts contain incorrect dates of delinquency, which may cause negative information to remain on my report longer than permitted under law. This creates a misleading representation of my credit history in violation of FCRA 605 ( c ) .. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am filing a follow-up complaint against XXXX XXXX XXXX XXXX for XXXX to violate the Fair Credit Reporting Act ( FCRA ). This company claimed in my first complaint that they mailed me validation of the alleged debt ( Acct # XXXX XXXX XXXX XXXX XXXXXXXX, {$450.00}, XXXX XXXX Florida ). It has been over 30 days and I have never received anything at my address on file. That means their response to my first CFPB complaint was false and misleading. Meanwhile, XXXX XXXX continues to report this collection account to Experian, Equifax, and TransUnion without giving me a single shred of proof. To report a debt without mailing me proper validation is outrageous, reckless, and unlawful. The Law 15 U.S.C. 1681i ( FCRA 611 ) : Credit reporting must be reinvestigated and verified within 30 days. Over 30 days have passed and Bull City has failed to provide anything. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If an account can not be verified, it must be deleted not updated or left as remains.

15 U.S.C. 1681i ( a ) ( 7 ) : I never received a description of the procedure used to verify this account, as the law requires. 15 U.S.C. 1681e ( b ) : They are not ensurin
g maximum possible accuracy. 15 U.S.C. 1681s-2 ( b ) : As a furnisher, Bull City is required to investigate and delete unverifiable data when notified. They have ignored this. 15 U.S.C. 1681n & 1681o : Their failure to comply subjects them to civil liability for negligent and willful noncompliance, and I am prepared to pursue a federal lawsuit if this is not corrected. My Demands 1. Delete this unverifiable collection account from all credit bureaus immediately. 2. Provide lawful validation if they believe they have any this must include : A wet-ink signature contract with the original creditor, and A valid assignment agreement or bill of sale proving Bull Citys right to collect and report this account. Without this documentation, Bull City has no legal right to continue reporting this debt. Their behavior is harming my life and opportunities, and I will not hesitate to file lawsuits in federal court if they do not comply. Final Note Once again, under 15 U.S.C. 1681i ( a ) ( 7 ), I am demanding the description of the procedure used to verify this account. Bull City has not provided this, and their failure to do so is further evidence of noncompliance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
I want to be clear that this complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy. These errors are weighing on me and continue to harm my credit and financial stability. Correcting or removing them would provide meaningful relief.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-30 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 a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$1000.00} Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$460.00} Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/year> -Balance {$0.00}

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 2025-08-30 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-30 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ( XXXX XXXX ) on my credit file. Under the Fair

Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), your agency is required to follow reasonable procedures to assure maximum possible accuracy of the information contained in my report. I have spent considerable time researching my rights and the FCRA 's requirements, and I've obtained my reports from all three major bureaus. The data for this XXXX XXXX XXXX account contains material inaccuracies and is not being reported consistently acrossExperian, Equifax, and TransUnion. These inconsistencies which can include the balance, payment status, or date of first delinquency prove that your procedures are not reasonable and that the data can not be considered " maximum possible accurate. ''

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 2025-08-30 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: FL

Complaint narrative:
I am disputing inaccurate reporting by Equifax on my XXXX XXXX account ( Acct XXXX XXXX, opened XX/XX/year>, credit limit {$500.00}, high balance {$550.00}, balance {$150.00} ). 

Both XXXX XXXX XXXX  correctly report this account as Open / Current/ Pays as Agreed with no derogatory remarks. However, Equifax is reporting inconsistent and inaccurate information, including duplicate XXXX entries, a {$0.00} high balance, and derogatory notations that do not exist. This creates a false impression of late payments and negatively impacts my credit standing. 

This reporting is inaccurate, incomplete, and not consistent with the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires credit bureaus to maintain only accurate and verifiable information. I previously disputed this account, but Equifax has failed to correct the errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

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 explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have evidence of all the payments that have cleared my account. Barclays statement end XXXX XXXXXXXX are not showing the payments made accurately and in returning showing I was making payments less than the minimum payment. I have not been XXXX  days late on this account. Please view the payments that cleared my account plus refer back to Barclays monthly statements are not showing all the accurate monthly payments.

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 2025-08-30 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: NV

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate, misleading, and unauthorized items on my credit report. These inaccuracies are harming my credit reputation, causing financial hardship, and constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I request immediate investigation, correction, and written confirmation of all disputed items. 
XXXX XXXX XXXX Inquiry XX/XX/year> : These inquiries were made without my authorization. I never applied for credit at these times, and yet my credit file shows multiple hard inquiries. Unauthorized inquiries damage credit scores, cause unnecessary scrutiny from other lenders, and constitute a violation of FCRA 604 ( a ) ( 3 ), which requires a permissible purpose for credit inquiries. The repeated unauthorized activity has caused distress and created a misleading picture of my financial activity. I demand these entries be fully removed and that written confirmation of correction be provided.

I insist that all disputed items be fully investigated, verified with supporting documentation, corrected or deleted, and that I receive written confirmation within the legally required time frame. Failure to address these issues will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the FTC, pursuing civil action, and seeking damages for credit harm, emotional distress, and financial losses caused by these inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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:
Dear Equifax I am writing to formally dispute the accuracy of a collection account appearing on my credit report. The account in question is listed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have reviewed my credit report carefully and have no knowledge of or authorization for this account. I have never opened, agreed to, or authorized any debt with this creditor or collection agency. This account may have been reported in error or could be the result of fraud or identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter. Please provide : XXXX. Verification and documentation proving that I am legally responsible for this debt, including my signature on any agreement. 
XXXX. The name and address of the original creditor, as well as dates and amounts related to the debt. 

If you can not verify this debt as accurate and mine, I respectfully request that you remove this unauthorized collection account from my credit report immediately. 

Please provide the results of your investigation in writing within the XXXX timeframe as required by law. 

Thank you for your prompt attention to 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist To Whom It May Concern, I am formally requesting that Jefferson Capital Systems , LLC immediately CEASE and DESIST from any and all communication with me regarding the above-referenced account. 

This notice is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I demand that you stop all communication with me, including but not limited to phone calls, text messages, emails, and letters. Any further contact, other than as permitted by law ( such as a notice of legal action, if applicable ), will be considered harassment and a violation of federal law. 

Furthermore, if this debt is being reported to any credit reporting agencies, I demand that XXXX XXXX verify the validity of this debt. If you can not provide proper documentation proving that I am legally obligated for this debt, you must delete any tradelines or negative entries you have placed on my credit report. 

Failure to comply with this request will leave me no choice but to pursue all available remedies under state and federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

This letter is not an acknowledgment of the debt and shall not be construed as such. I am simply exercising my right to request that you cease all further contact with me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I am disputing the reporting of an entry that appears on my credit file XXXXXXXX XXXX XXXXXXXX, dated XX/XX/year>. I do not recognize this as an account or inquiry I authorized, and I have no established relationship with this institution that would justify its presence on my report. 
The Fair Credit Reporting Act makes it clear that my credit file should only be accessed and used under specific, limited circumstances. Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), a consumer reporting agency may only furnish my credit report to a party with a certified permissible purpose. In this case, I never applied for credit with XXXX XXXX XXXXXXXX, nor did I provide consent for them to access or report on my credit. This strongly suggests that the entry was made without a permissible purpose. 
Additionally, FCRA 619 ( 15 U.S.C. 1681q ) states that obtaining a consumer report under false pretenses is unlawful. If this reporting or inquiry was done without a legitimate reason, it constitutes a violation of my rights under federal 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 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK
State: PR

Complaint narrative:
I am writing to formally confirm that my Discover account has been closed and that the XXXX XXXX XXXX has been cancelled, as per my previous communications. While I appreciate the closure of the account, I am still requesting a fixed, fair, and manageable payment plan for my remaining balance of {$7700.00}. 

I propose a plan of 36 months at a 6 % annual interest rate, resulting in a fixed monthly payment of {$230.00}. This payment structure ensures that I can responsibly manage my remaining balance without undue hardship. 

Please provide written confirmation of acceptance of this plan, including the exact monthly payment, interest rate, and term, within 14 days from the date of this letter. 

If Discover does not provide a prompt and favorable resolution, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) to ensure my rights are fully protected. 

All previous communications, including chats and emails, are documented and will serve as evidence should further action be required. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AZ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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