vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * * - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-25 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 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 DO NOT RECOGNIZE THIS ADDRESS, PLEASE REMOVE THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2025-05-25 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Closed my checking and savings account ( XXXX accounts in total ) after I disputed some erroneous transactions for items that did not arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
Experian credit report is inaccurately reporting my score.

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 2025-05-25 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX, IL XXXX Re : Request for Debt Validation under the FDCPA To Whom It May Concern : This is a formal request for validation of a debt you claim I owe. I am asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide full documentation of the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, with a breakdown of any interest, fees, or charges.

3. A copy of any agreement bearing my signature showing I agreed to this debt.

4. Proof of your legal authority to collect on this debt.

5. Evidence that the debt is within the statute of limitations for collection under California law. 



Until you provide adequate validation, I do not acknowledge or accept responsibility for this debt. Furthermore : You are required to cease all collection activities.

You may not report this debt to any credit bureau.

If this debt has already been reported, you must notify the bureaus that it is disputed. 


Please send all responses to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: CT

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, 2025 OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX Subject : Debt Validation Request under the FDCPA Account Number : XXXX XXXXXXXX XXXX XXXX  To Whom It May Concern, I am writing in response to a debt that you claim I owe. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ).

Under Section 809 of the FDCPA, I have the right to request validation of the debt you are attempting to collect. I respectfully request that you provide the following information : The amount of the alleged debt ; The name of the creditor to whom the debt is currently owed ; A detailed accounting of how the amount was calculated ; A copy of the original agreement or contract bearing my signature ; Verification that you are legally authorized to collect debts in the state of California ; Documentation that proves I am legally obligated to pay this debt.

This letter is a formal dispute of the alleged debt. Until the requested validation is provided, I request that you cease all collection activities and refrain from reporting this debt to any credit bureaus. If it has already been reported, please inform the credit bureaus that this debt is currently disputed.

This request is made in accordance with my rights under the FDCPA. Any further attempts to collect the alleged debt without providing proper validation may constitute a violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
requesting to block and remove fraud from my consumer report. 

My social security number was compromised I am a victim of data breach /identity theft I contacted the federal trade commission andfiled a FTC report # XXXXwich is attached please block and remove all information from my credit report and send me an updated copy of the credit report under 15 USC 1681c 2c ( a ) the credit reporting agency must remove and block pieces of information the consumer considers identity theft whithin 4 business days of recieving a complaint consisting of the information bellow XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactory will result in a small claims action against your agency I will be seeking damages but not limited to an each violation statutory cost of {$1000.00} each Per U.S.C 1692K :

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 2025-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
requesting to block and remove fraud from my consumer report. 

My social security number was compromised I am a victim of data breach /identity theft I contacted the federal trade commission andfiled a FTC report # XXXXwich is attached please block and remove all information from my credit report and send me an updated copy of the credit report under 15 USC 1681c 2c ( a ) the credit reporting agency must remove and block pieces of information the consumer considers identity theft whithin 4 business days of recieving a complaint consisting of the information bellow XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactory will result in a small claims action against your agency I will be seeking damages but not limited to an each violation statutory cost of {$1000.00} each Per U.S.C 1692K :

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 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Filing a complaint against XXXX XXXX account on my credit reports with XXXX, Experian, and XXXX. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request a reinvestigation of this information. Additionally, as per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate.

Furthermore, I believe these inaccuracies may also constitute violations of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) and Regulation F ( 12 CFR Part 1006 ), which prohibit false, deceptive, or unfair debt collection practices. 

I request that XXXX XXXX and the credit reporting agencies remove this inaccurate information promptly. 

XXXX is in error for reporting this to my credit reports. XXXX has been sued the company was accused of reporting a customers account information to credit bureaus, leading to a significant drop in the customers credit score. The lawsuit highlights issues such as reporting a delinquency date before the account was even opened and failing to correct inaccuracies after disputes were filed. This case underscores potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Key Legal Provisions to Reference : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to investigate disputes forwarded by credit reporting agencies and correct any inaccuracies.

15 U.S.C. 1681i : Mandates that credit reporting agencies must conduct a reasonable reinvestigation upon receiving a dispute from a consumer.

2. Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e : Prohibits debt collectors from using false, deceptive, or misleading representations, including misrepresenting the character, amount, or legal status of any debt.

15 U.S.C. 1692f : Forbids debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt.

3. Regulation F ( 12 CFR Part 1006 ) : Implements the FDCPA and provides guidelines on debt collection practices, including communication standards and record retention requirements.

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 2025-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute the inaccuracies found on my consumer credit report from XXXX XXXX XXXX. Upon reviewing my report, I noticed several discrepancies that violate provisions set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires all information in consumer reports to be accurate and complete. The reported balance due on the account listed by each reporting agency is incorrect. This inaccurate reporting misrepresents my financial obligations and impacts my creditworthiness. Dates Account Opened, the three credit reporting agencies furnishing this information are reporting different dates for the same account. This discrepancy affects my credit history, as the length of credit accounts is a crucial factor in determining my credit score. Date Last Active : Again, the dates being reported by the credit reporting agencies ( Equifax, XXXX XXXX  ) do not match as they should for each specific account. Date of Last Payment : once again, the dates reported by each reporting agency are inaccurate.This misrepresentation of my payment history has adversely affected my credit score. Under Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), which prohibits the reporting of negative information after a specified period. While this relates primarily to the timing of derogatory marks, it underscores the importance of accurate reporting. Under this section, if the information is inaccurate, it must be corrected or removed, regardless of the reporting duration. Additionally, I have previously brought these issues to the attention of the credit bureaus without proper resolution or thorough investigation. This has not only caused ongoing damage to my credit profile but also violates my rights under the FCRA. According to the law, these inaccurate derogatory marks must be removed immediately upon verifying their inaccuracy. Furthermore, I wish to emphasize relevant case law, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which reinforces the obligation of credit reporting agencies to investigate and correct inaccuracies in consumer reports promptly. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it is clear that consumers have the right to accurate information, and failure to correct inaccuracies can lead to further injury to the consumer 's credit profile. See attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: OH

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 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: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Accounts Name : XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Accounts Name : XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, the owner of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX where I have lived from XXXX until XX/XX/XXXX, I left my personal residence at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX due to a controversy at court that has not been resolved. I have paid water, electricity and gas aon my house from XXXX to XXXX until I was subject to a forced eviction. I have paid the bills until XXXX XXXX. 

The Nationstar attorney, who is the one directing the new family supposedly to occupy the house. Because there is a permanent injunction, I do not know who is in the house if anyone, and the bill that comes to me for water is XXXXXXXX XXXX plus other hundreds for gas and electricity and I am a single mother and can not pay this excessive use that is not mine, and is not from my family. 

I plead you to disconnect the utilities from my name to that the current user take his or her responsiblity and pay for their use since during the pendency of the controversy and a just solution will be reached. 

Since XXXX, I XXXX XXXX XXXX XXXX and family were living at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and I have fulfilled my responsiblity in the payment of water, property taxes, insurance and all utilities despite that I was involuntarily forced to eviction. 
This controversy is still going and despite not being living there with my family, the consumption continues of the water excessively ( XXXX dollars a month ) and gas and electricity. 

I request respectfully cut the use in my name and that the current " user '' of the utilities fulfill the payment of utilities and XXXX willing the controversy and title, title insurance controversy will be resolved. Please let me know what evidence need from me to take the utiltiy charges off my name for the time being that I am not in the house as I am not living there, there are other persons living there. 

Thank you for the attention you give to this request. 

XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation