vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I'm filing this complaint against XXXX XXXX XXXX regarding a fraudulent auto loan account that appears on my credit reports. 

On XX/XX/year>, I discovered an auto loan for XXXX from XXXX XXXX on my credit report that I never applied for or authorized. This account appears as " Collection/Charge off '' with an outstanding balance of XXXX. I am a victim of identity theft and have filed an official report documenting this incident. 

On XX/XX/year>, I sent certified dispute letters to all three major credit bureaus ( TransUnion, Experian, and Equifax ) as well as directly to XXXX XXXX, attaching my identity theft report and requesting immediate removal of this fraudulent information. 

Despite my efforts, XXXX XXXX has : 1. Continued reporting this fraudulent account to credit bureaus 2. Failed to respond to my dispute within the required timeframe 3. Not provided verification of this debt 's legitimacy 4. Reported inconsistent information across different credit bureaus These actions have caused significant harm : My credit scores have dropped substantially ( currently between XXXX ) I've been denied financing and housing opportunities I've experienced considerable emotional distress I've attempted to resolve this issue directly with XXXX XXXX and the credit bureaus without success. I'm requesting CFPB intervention to ensure my consumer rights are protected and these violations are properly addressed. 

Also there are discrepancies and several errors on my credit report and I request correction or deletion of said incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-12 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 am filing this formal complaint regarding inaccurate and damaging late payment notations being reported on my credit reports byXXXX XXXX XXXX  for an active auto loan. These reports appear on Equifax, Experian, and TransUnion, and they are false, misleading, and legally noncompliant under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Basis of Dispute : The payment history being reported for my active auto loan account is not only incorrect but also inconsistent across the XXXX credit bureaus. Specifically : I have not missed any payments during the periods marked as XXXX, XXXX, or XXXX  days late. 

I have never received notice of delinquency from the creditor, nor has there been a valid justification or documentation to support these derogatory entries. 

These reporting errors are severely damaging my credit profile and financial opportunities.

Legal Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) The credit bureaus are obligated to reinvestigate disputed information and delete any unverifiable or inaccurate data.

15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. Failure to correct known reporting errors constitutes willful noncompliance.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Upon determination that disputed information is inaccurate or can not be verified, the credit reporting agency must delete that item promptly. 

Request for Immediate Action : I am requesting the CFPB to open an investigation and hold both the furnisher XXXXXXXX XXXX XXXX  and the credit reporting agencies accountable for this unlawful reporting. Specifically, I demand : A full and immediate reinvestigation of this account and its payment history. 

Complete removal or block of all incorrect late payment notations from my credit reports. 

Written confirmation that these errors have been corrected and that the account reflects on-time payment history. 


If these false entries are not promptly corrected, I am prepared to escalate this matter legally, including formal complaints to the Federal Trade Commission ( FTC ) and the State Attorney General, and pursuing civil remedies under 15 U.S.C. 1681n and 1681o, which provide for statutory, actual, and punitive damages for willful noncompliance. 

I respectfully request your urgent attention and a full resolution in accordance with 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 2025-06-12 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: TX

Complaint narrative:
I am filing this formal complaint regarding inaccurate and damaging late payment notations being reported on my credit reports byXXXX XXXX XXXX  for an active auto loan. These reports appear on Equifax, Experian, and TransUnion, and they are false, misleading, and legally noncompliant under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Basis of Dispute : The payment history being reported for my active auto loan account is not only incorrect but also inconsistent across the XXXX credit bureaus. Specifically : I have not missed any payments during the periods marked as XXXX, XXXX, or XXXX  days late. 

I have never received notice of delinquency from the creditor, nor has there been a valid justification or documentation to support these derogatory entries. 

These reporting errors are severely damaging my credit profile and financial opportunities.

Legal Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) The credit bureaus are obligated to reinvestigate disputed information and delete any unverifiable or inaccurate data.

15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to ensure maximum possible accuracy. Failure to correct known reporting errors constitutes willful noncompliance.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Upon determination that disputed information is inaccurate or can not be verified, the credit reporting agency must delete that item promptly. 

Request for Immediate Action : I am requesting the CFPB to open an investigation and hold both the furnisher XXXXXXXX XXXX XXXX  and the credit reporting agencies accountable for this unlawful reporting. Specifically, I demand : A full and immediate reinvestigation of this account and its payment history. 

Complete removal or block of all incorrect late payment notations from my credit reports. 

Written confirmation that these errors have been corrected and that the account reflects on-time payment history. 


If these false entries are not promptly corrected, I am prepared to escalate this matter legally, including formal complaints to the Federal Trade Commission ( FTC ) and the State Attorney General, and pursuing civil remedies under 15 U.S.C. 1681n and 1681o, which provide for statutory, actual, and punitive damages for willful noncompliance. 

I respectfully request your urgent attention and a full resolution in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
To, Jefferson Capital Systems , LLC This letter is in response to a collection account you have reported to the credit bureaus, which I recently reviewed on my credit report. I am formally requesting validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g.

Specifically, I am requesting the following : 1. A complete copy of the original signed contract or agreement showing that I have a legal obligation to pay the alleged debt.

2. A full itemized accounting of the alleged debt, including the original balance, any interest or fees, and any payments made.

3. The complete assignment case log that documents the chain of custody or legal transfer of the account from the original creditor to your agency.

4. Proof of your legal authority to collect in my state, including relevant licensing documentation.

5. The name and address of the original creditor, the account number, and the date of the alleged default or charge-off. 

In reference to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Case No. XXXX ), I am aware that courts have found debt collectors to be in violation of the FDCPA when they failed to provide sufficient documentation of the debts assignment. Therefore, I am requesting the assignment case log to determine if your agency has the legal right to collect this debt and report it to the credit bureaus. 

Until you provide the requested documentation, this debt remains in dispute and you are not permitted to continue collection efforts or report it as verified to any credit reporting agency, per 809 ( b ) of the FDCPA.

Please consider this a formal dispute of the alleged debt. If you are unable to validate this debt, I request that you immediately remove it from all credit reporting agencies and cease all collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MS

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00}

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 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: MD

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 : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX AUTO XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/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 2025-06-12 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 complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} ; 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 XXXXXX/XX/XXXX. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account NumbeXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original Amount Owed {$870.00} Amount {$870.00} Status Date XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Cease and Desist Request Regarding Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. 

This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

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 4 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 XXXXXXXX ACCOUNTS : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
Company is refusing to give company name when asked. XXXX scsi comes up suicide and crisis support. Falsifying name to disguise their company is horrendous tactics. Explained on recorded line that it is required of them to give our their company name when asked. You can ask for the debt collector 's name, company name, address, and a callback number to verify their legitimacy per The Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Payactiv, Inc.
State: TX

Complaint narrative:
Current employer switched payroll systems over XXXX months ago from XXXX using payactiv to XXXX, which did not support payactiv. XXXX months into using XXXX and not using payactiv, after having already paid all payactiv loans months ago, I get hit with a {$220.00} deduction on my paycheck for XXXX, claiming " payactiv ''. When I called payactiv, they said I had been pulling money as latest as XX/XX/XXXX, which was straight up not true. I told them that was fraudulent and not me. After that, they deleted my payactiv account to avoid more fraud, but I'm still missing {$220.00} from my last paycheck ( XX/XX/year> ). and have asked for reimbursement to near radio silence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute 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 2025-06-12 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: TN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. 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