vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: WI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I am submitting this complaint because of reporting inaccurate late payments on my credit file that do not appear in the other credit bureaus, creating inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and misrepresent my true credit history. TransUnion lists my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which carries a {$0.00} balance, as having a XXXX late payment in XX/XX/year>, even though this late mark is not reported in Experian or Equifax, indicating that TransUnion is maintaining outdated or incorrect data. Additionally, TransUnion reports my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) with a severe 120-day late payment, while Experian does not report any such late status, causing major discrepancies between the bureaus.XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} late 30 days- rapired late closed in XXXX and XXXX. Under FCRA 611 ( 15 U.S.C. 1681i ) I am exercising my right to dispute inaccurate information; under FCRA 623 ( a ) ( 2 ) furnishers are legally required to correct and update information to ensure accuracy ; and under FCRA 623 ( b ) they must complete a reasonable investigation once notified. These inconsistent late entries also violate the purpose laid out in FCRA 602, which requires consumer reports to be fair, accurate, and reliable. The conflicting reports across bureaus have caused harm to my creditworthiness and do not reflect my true payment behavior ; therefore, I am requesting immediate regulatory assistance to ensure that TransUnion reinvestigates and corrects these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I am submitting this complaint because of reporting inaccurate late payments on my credit file that do not appear in the other credit bureaus, creating inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and misrepresent my true credit history. TransUnion lists my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which carries a {$0.00} balance, as having a XXXX late payment in XX/XX/year>, even though this late mark is not reported in Experian or Equifax, indicating that TransUnion is maintaining outdated or incorrect data. Additionally, TransUnion reports my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) with a severe 120-day late payment, while Experian does not report any such late status, causing major discrepancies between the bureaus.XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} late 30 days- rapired late closed in XXXX and XXXX. Under FCRA 611 ( 15 U.S.C. 1681i ) I am exercising my right to dispute inaccurate information; under FCRA 623 ( a ) ( 2 ) furnishers are legally required to correct and update information to ensure accuracy ; and under FCRA 623 ( b ) they must complete a reasonable investigation once notified. These inconsistent late entries also violate the purpose laid out in FCRA 602, which requires consumer reports to be fair, accurate, and reliable. The conflicting reports across bureaus have caused harm to my creditworthiness and do not reflect my true payment behavior ; therefore, I am requesting immediate regulatory assistance to ensure that TransUnion reinvestigates and corrects these errors.

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 2025-11-17 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:
subject : CFPB COMPLAINT & DEMAND FOR DELETION - FAILURE TO COMPLY Account : XXXX XXXX XXXX This letter serves both as a formal demand for deletion of the XXXX XXXX XXXX account from my Experian file and as documentation accompanying my CFPB complaint for your repeated failure to comply with FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and IRS 6050P reporting requirements. You have ignored XXXX prior lawful requests for a copy of IRS Form 1099-C and have provided no validation, documentation, or written confirmation. Those letters will be attached to this compliant. Under federal law, any creditor who cancels or discharges a debt of {$600.00} or more must issue a Form 1099-C to both the debtor and the IRS for the tax year in which the event occurred. Please provide within 15 days : 1. A copy of the 1099-C, if filed. 2. The date and tax year of cancellation. 3. The name and IRS contact information of the reporting department. 4. If no 1099-C exists, a written statement confirming that no cancellation occurred. Due to your lack of compliance and ongoing reporting of inaccurate information, I am demanding immediate deletion of this account from all consumer reporting agencies. This complaint is being filed with the Consumer Financial Protection Bureau citing : Failure to provide proof of debt cancellation or Form 1099-C issuance.Failure to verify account accuracy as required under FCRA 623 ( b ) .Failure to provide a Method of Validation under 611 ( a ) ( 7 ). You will be required to respond directly to the CFPB within their investigation timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
subject : CFPB COMPLAINT & DEMAND FOR DELETION - FAILURE TO COMPLY Account : XXXX XXXX XXXX This letter serves both as a formal demand for deletion of the XXXX XXXX XXXX account from my Experian file and as documentation accompanying my CFPB complaint for your repeated failure to comply with FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ), and IRS 6050P reporting requirements. You have ignored XXXX prior lawful requests for a copy of IRS Form 1099-C and have provided no validation, documentation, or written confirmation. Those letters will be attached to this compliant. Under federal law, any creditor who cancels or discharges a debt of {$600.00} or more must issue a Form 1099-C to both the debtor and the IRS for the tax year in which the event occurred. Please provide within 15 days : 1. A copy of the 1099-C, if filed. 2. The date and tax year of cancellation. 3. The name and IRS contact information of the reporting department. 4. If no 1099-C exists, a written statement confirming that no cancellation occurred. Due to your lack of compliance and ongoing reporting of inaccurate information, I am demanding immediate deletion of this account from all consumer reporting agencies. This complaint is being filed with the Consumer Financial Protection Bureau citing : Failure to provide proof of debt cancellation or Form 1099-C issuance.Failure to verify account accuracy as required under FCRA 623 ( b ) .Failure to provide a Method of Validation under 611 ( a ) ( 7 ). You will be required to respond directly to the CFPB within their investigation timeframe.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is not mine and is being inaccurately reported on my 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 explanation
Consumer complaint received 2025-11-17 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:
This account is not mine and is being inaccurately reported on my 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am sending this to dispute inaccurate personal information listed on my credit report. After reviewing my credit file, I have identified discrepancies concerning my address, which I believe are either incorrect or mistakenly associated with my account. 
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 I do not recognize this address, and I have never authorized the use of my personal information in this manner. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to request that any inaccurate or incomplete information on my credit report be investigated, corrected, and removed. Therefore, I respectfully request that you promptly reinvestigate this matter and, if the information is found to be inaccurate, remove the incorrect address from 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC Complaint Regarding Fraudulent Account and Unauthorized Use of Personal Information I am filing this complaint to formally report that XXXX XXXX XXXX is attempting to collect on a debt alleged to be owed to XXXX XXXX XXXX. I do not have an account number because I was never sent a dunning letter by this company. 
I have never opened, owned, or authorized any account with XXXX XXXX XXXX or with XXXX XXXX XXXX. 
XXXX XXXX XXXX has somehow obtained and used my nonpublic personal information, including my Social Security number and other private data, without my knowledge or consent. 
They appear to have created an account in their internal systems using my identity and are now demanding payment from me in the amount of {$110.00} for a debt that is entirely fraudulent. 

Federal Laws Potentially Violated XXXX XXXX XXXX actions constitutes violations of several federal laws, including but not limited to : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Prohibits furnishing inaccurate information to consumer reporting agencies ( 1681s-2 ( a ) ).

Requires investigation of consumer disputes and correction of inaccurate data ( 1681i ).

Prohibits obtaining a consumer report without a permissible purpose ( 1681b ( f ) ).

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

Prohibits false or misleading representations in connection with debt collection ( 1692e ).

Prohibits unfair or unconscionable means to collect a debt ( 1692f ).

Requires validation of debts upon request ( 1692g ).

XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 6801-6827 Prohibits financial institutions from using or disclosing nonpublic personal information without proper authorization and safeguards consumer privacy. 

Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 Criminalizes the knowing and unlawful use of another persons identifying information with intent to commit or aid unlawful activity.

Federal Trade Commission Act 15 U.S.C. 45 ( a ) Prohibits unfair or deceptive acts or practices in commerce, including misleading consumers about debts they do not owe. 

I respectfully request that XXXX XXXX XXXX be compelled to cease all collection activity regarding this fraudulent debt, remove any related negative information from my consumer reports, and be held accountable under applicable federal laws.

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 2025-11-17 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late 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 2025-11-17 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-17 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
I recently reviewed my credit report and discovered several accounts that I do not recognize or believe to be accurate. These items appear to have been reported in error, and I am requesting that they be investigated and removed if they can not be verified as belonging to me. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX  Original Creditor : XXXX XXXX APTS XXXX * Balance : {$5400.00} XXXX  XXXX Original Creditor : XXXX  XXXXXXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XX/XX/XXXX XXXX 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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 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  XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) : Section 602 ( A ) affirms my right to fair and accurate credit reporting.

Section 607 ( b ) requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of Section 611 gives me the right to dispute incomplete or inaccurate information and to have unverifiable information deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a prepaid Amex card as a gift and am unable to spend it anywhere online or in stores. I requested info on where I can use it and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am filing a complaint regarding an unauthorized {$740.00} charge on my Apple Card on XX/XX/year>. I did not make this purchase. 

I reported the charge immediately, locked my card, and requested a new card. XXXX days later, there was another attempted fraudulent charge at XXXX for a different amount, which was declined because my new card was already issued. This clearly indicates my card information had been compromised. 

I have no confirmation email, no invoice, no record of this purchase in my XXXX XXXX, my email, my personal XXXX app, or any order history. I never received any merchandise. I spent hours contacting XXXX and XXXX, and both confirmed they could not locate any order associated with my name, phone number, XXXX XXXX, or address. 

Despite this, Apple/Goldman Sachs denied the dispute and stated they found no evidence to substantiate the claim. This contradicts their legal obligation under Regulation Z, which places the burden of proof on the merchant and the issuernot on the cardholder. I have provided clear evidence of non-authorization and non-receipt. 

I am requesting that Goldman Sachs conduct a proper investigation and credit my account for this unauthorized charge.

Company response to consumer: Closed with monetary relief