vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
Fraudulent Accounts and Inquiries Immediate Action Required ( XXXX : SS # : XXXX ) To Whom It XXXX Concern : I am writing to demand the immediate deletion of fraudulent accounts that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX Violated : XXXX XXXX. XXXX Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' XXXX for the offenders. Your XXXX  in verifying this information perpetuates the criminal activity and further XXXX  my financial standing. 
XXXX XXXX XXXX XXXX of XXXX XXXX XXXX to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
XXXX 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 Account Number : XXXX These accounts were not authorized by me and must be removed from my report immediately. 
Failure to Act : If these fraudulent accounts are not deleted, and an updated consumer report is not sent to me promptly as mandated under XXXX XXXX XXXX ( XXXX ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission XXXX FTC ) Better Business Bureau XXXX BBB ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking XXXX for the XXXX  caused by your continued violation of my rights. 
Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security XXXX FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, 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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am formally disputing a collection account reported by Jefferson Capital Systems for an alleged debt originally from XXXX Credit Card ( Account XXXX XXXX ). I have no prior relationship with XXXX XXXX, was never notified of any debt assignment, and have not received any legally sufficient validation or documentation of this account. 

Per my rights under the FDCPA ( XXXX XXXX. XXXX ( b ) ) and FCRA ( XXXX XXXX. XXXX, XXXX ( b ), XXXX ( b ) ), I formally requested : A signed original agreement or application; Complete itemized account history and charges ; Legal proof of assignment or purchase from XXXX ; XXXX copy of the XXXX XXXX Agreement, which often excludes documentation and disclaims accuracy ; Proof XXXX XXXX XXXX XXXX to collect debt in my state. 

XXXX has not provided this. Meanwhile, they continue reporting a balance of {$690.00} as a collection tradeline, without proof or verification. This violates : FCRA XXXX ( b ) : inaccurate or incomplete information being reported ; FCRA XXXX ( b ) : failure to investigate or correct disputed data ; FDCPA XXXX ( b ) : no validation and no pause in collection ; FDCPA XXXX : continued unlawful collection creates civil liability. 

These violations are supported by case law including XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), both affirming strict validation and reporting duties under FDCPA and FCRA. 

This also acts as a cease and desist under FDCPA XXXX ( c ). If XXXX XXXX can not validate this debt, they must cease all collection activity and delete the tradeline from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported XXXX payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-13 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:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXXXXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Unverifiable & Inaccurate Reporting by XXXX and TransUnion ( XXXX Account ) Dear CFPB, I am filing a formal complaint against XXXX and TransUnion for the inaccurate and unverifiable reporting of an account labeled XXXX Account # XXXX that is appearing on both of my credit reports. 

This account was reported as a secured card, opened on XX/XX/XXXXXXXX XXXX and closed the same month. It is marked as Paid, Closed/Never Late, and listed as closed at the consumers request. However, this account is factually inaccurate and incomplete for the following reasons : 1. I never applied for a secured card with XXXX or any related institution. 
2. The reporting lacks required information such as : The name and contact information of the original creditor Terms, credit limit, balance, or payment history Any documentation verifying the existence of this account This item does not meet the accuracy or verifiability standards outlined in the Fair Credit Reporting Act ( FCRA ) and represents a clear violation of : 15 U.S. Code 1681b No permissible purpose existed for the furnishing or reporting of this item, as I never applied for this account. 
FCRA 602 ( A ) Consumers have the right to accurate and fair reporting.

FCRA 607 ( b ) Bureaus must maintain reasonable procedures to assure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) I have the right to full disclosure of any and all information being reported.

FCRA 611 ( a ) Items disputed by consumers must be investigated and removed if unverifiable within 30 days. 

I initiated a dispute with both XXXXXXXX and TransUnion online, through their official consumer portals, and received no documentation proving that this account is valid, authorized, or complete. The bureaus failed to meet their legal obligation to verify the account or delete it. 

I am requesting that the CFPB intervene to ensure both XXXX  and TransUnion delete this unverifiable and unauthorized item from my credit reports permanently. 

Enclosed are : Screenshot of the disputed account on my credit report My online dispute summary Government-issued ID and utility bill as proof of identity A copy of this letter for your records Thank you for investigating this matter and enforcing my rights under the law. 

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 2025-06-13 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: GA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please remove the following unauthorized and incorrect personal information ADDRESS : XXXXXXXX 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 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 2025-06-13 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: IN

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to dispute the inaccurate and unverified information being reported on my credit file, which violates my rights under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. Fair and accurate reporting is a legal obligationnot a courtesyand I demand immediate correction.

Your report contains false or unverifiable data that has caused harm to my credit profile. Specifically : Personal Information Dispute Incorrect Date of Birth : XXXX Collection Account Being Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is not verified. The Equifax data breach compromised my personal information, and I have reason to believe this account is fraudulent or inaccurately attributed to me. You are required by law to maintain proper documentation and follow Metro 2 formatting standards as outlined in the latest XXXX published by the XXXX. Any deviation jeopardizes the integrity of your reporting. 

You have no authority to report unverifiable information. I demand : Full validation of this account Proof of my signed authorization Documentation showing compliance with Metro 2 standards If you can not meet these minimum legal and compliance standards, you must DELETE this account from my credit report immediately. This matter is also under FTC review, and your failure to act may constitute willful noncompliance with the FCRA. 

I expect a written response and updated credit report. Provide all requested verification within 5 business days. Failure to do so will result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX Balance {$1000.00}.

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 2025-06-13 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: FL

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its XXXX to see my credit get XXXX affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me XXXX and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further dXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I am once again demanding the immediate deletion of any claims listed above or below that fail to meet the minimum legal standards required for reporting under the FCRA and Metro 2 compliance.

If you can not provide verifiable documentation to support each claimper CDIA 's Metro 2 Compliance Guidelines and the Credit Reporting Resource Guide ( CRRG ) then these items must be deleted. The CRRG clearly states : ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. 
I challenge the accuracy, legitimacy, and compliance of each claim listed below. 

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  You are required to show legal authorization to report or collect on these accounts. If you fail to comply within XXXX XXXX  of receiving this notice, I demand you cease all derogatory actionsincluding reporting, collecting, or verifying any unproven, invalid, or non-compliant accounts. 

Let me be clear : I have not entered into any written agreement with your organization. You do not have the legal right to continue contact or data reporting without proper verification. Any further attempts to damage my credit or collect on these accounts without legal authority will be treated as harassment and potential extortion under my states laws. I will not hesitate to take legal action. 

I also demand the immediate correction or deletion of the following unauthorized or unverifiable inquiries : 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 XXXXXXXX These inquiries lack permissible purpose as defined under 15 U.S.C. 1681b and must be deleted immediately. 

PERSONAL INFORMATION BEING CHALLENGED : Employer MTA Employer XXXX XXXX XXXX These records are inaccurate, incomplete, or outdated and must be deleted to reflect accurate consumer data. 

You are required by law to maintain the truthfulness, accuracy, and completeness of all credit reporting data within the timeframe set forth by the FCRA, 15 U.S.C. 1681i ( a ) and 1681e ( b ). If you can not fully comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for immediate enforcement. 

I demand that you send physical documentation confirming your actions and provide me with an updated copy of my credit report reflecting these corrections

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 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I became XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. As such I inherited the mortgage my mother originated with XXXX Bank in XXXX 've continued to make payments to present. XXXXXXXX XXXX  debt was acquired by XXXX XXXX, which is also XXXX XXXX. After XXXX years, XXXX switch to XXXX XXXX. As a result, my pay-off balance has increased from $ XXXX in XXXX, by {$34000.00} or approximately 44 %. Is this legal to continue increasing the balancing passing the debt backward and forward, while increasing paying consumers.

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