vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : FOLLOW UP XXXX I have additional attachments OBSOLETE STUDENT LOAN To Whom It May Concern, I am writing to dispute the inaccurate reporting of an alleged student loan account currently appearing on my credit file. 
This letter is not an acknowledgment of the debt. I dispute this account in its entirety. 

Details of the Error : Creditor/Furnisher : U.S. Department of Education ( or assigned collector ) Reported Account Status : Delinquent / In Default XXXX Original Alleged Loan Date : XXXX Credit Bureau Reference XXXX TRANSUNION Violation of the Fair Credit Reporting Act ( FCRA ) : This is a decades-old debt from XXXX that has been illegally re-aged to appear as a XXXX delinquency, in direct violation of the FCRA 605 ( a ), 15 U.S.C. 1681c. 
Under the law, adverse information XXXX not be reported more than XXXX years after the date of first delinquency. Reporting this as new in XXXX is factually false and legally impermissible. 

This re-aging has caused an over XXXX drop in my credit score, which was otherwise excellent for most of my adult life, directly harming my ability to obtain housing financing. 

Required Action : XXXX. Delete this account from my credit file in its entirety. 
XXXX. Provide me with written confirmation of the deletion. 
XXXX. Provide a description of the procedures used to verify the information, as required under FCRA 611 ( a ) ( 7 ). 

Evidence Provided : Screenshot ( XXXX ) of my credit report showing the account with a Date Opened or Date of First Delinquency listed as XXXX. 
Copy of my prior dispute letter ( XXXX ) showing this error has already been raised without correction ARE ON FILE RUNNING CONCURRENTLY. 

Failure to remove or correct this information will result in further legal action, including complaints to my state Attorney Generals office. 

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 non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
Subject : FOLLOW UP XXXX I have additional attachments XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the inaccurate reporting of an alleged student loan account currently appearing on my credit file.

This letter is not an acknowledgment of the debt. I dispute this account in its entirety. 

Details of the Error : XXXX : XXXX Department of Education XXXX XXXX assigned collector ) Reported Account Status : Delinquent / In Default XXXX Original Alleged Loan Date : XXXX Credit Bureau XXXX XXXX XXXX  Violation of the Fair Credit Reporting Act ( FCRA ) : This is a decades-old debt from 1979 that has been illegally re-aged to appear as a 2025 delinquency, in direct violation of the FCRA 605 ( a ), 15 U.S.C. 1681c. 
Under the law, adverse information may not be reported more than XXXX years after the date of first delinquency. Reporting this as new in XXXX is factually false and legally impermissible. 

This re-aging has caused an over XXXX drop in my credit score, which was otherwise excellent for most of my adult life, directly harming my ability to obtain housing financing. 

Required Action : XXXX. Delete this account from my credit file in its entirety. 
XXXX. Provide me with written confirmation of the deletion. 
XXXX. Provide a description of the procedures used to verify the information, as required under FCRA 611 ( a ) ( 7 ).

Evidence Provided : Screenshot ( s ) of my credit report showing the account with a Date Opened or Date of First Delinquency listed as XXXX. 
Copy of my prior dispute letter ( XXXX ) showing this error has already been raised without correction ARE ON FILE RUNNING CONCURRENTLY. 

Failure to remove or correct this information will result in further legal action, including complaints to my state Attorney Generals office. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Fraud through romance scam JPMorgan Chase is invokved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX XXXXXX/XX/year> [ Credit Bureau Name ] ( XXXX XXXX XXXX XXXX [ Credit Bureau Address ] Subject : Formal Dispute of Inaccurate Information and Demand for Immediate Deletion Jefferson Capital Systems , LLC ( current creditor of your original XXXX ( XXXX XXXX  account ) Dear XXXX This letter serves as a formal dispute regarding inaccurate information appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand a thorough investigation and immediate deletion of the following items : {$1200.00} ] I contend that these items are inaccurate and/or unverifiable. Recent actions taken by the Consumer Financial Protection Bureau ( CFPB ) against credit bureaus, notably the lawsuit concerning XXXX XXXX insufficient dispute investigations, highlight systemic issues with the accuracy and reliability of credit reporting. This reinforces my concern that the items listed above may be inaccurate.

Specifically, I cite the following provisions of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : This section requires credit reporting agencies to conduct a reasonable reinvestigation upon receiving a consumer dispute.

15 U.S.C. 1681e ( b ) : This section mandates that credit reporting agencies maintain reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681b : relating to permissible purpose of credit reports.

Given the recent scrutiny of credit bureau practices, I expect a meticulous and independent reinvestigation. I demand that you : Verify the accuracy and completeness of each disputed item with the original creditor.

Provide me with copies of all documents used to verify these items. 
Permanently delete any items that can not be fully verified.

I expect a response and resolution within five ( 5 ) business days of the date of this letter. Failure to comply with my demands will leave me no option but to pursue all available legal remedies, including but not limited to filing a complaint with the CFPB and initiating legal action.

Please provide written confirmation of the deletion of these items upon completion of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Mandarich Law Group, LLP
State: WA

Complaint narrative:
Several times I have disputed this bill as not mine on my credit report. I received documentation in XX/XX/year>XXXX  on my doorstep saying action had been filed against me ( in XX/XX/year> and the documentation was left on my porch in XXXX ). I then sent a certified letter on XX/XX/year>XXXX  to the company requesting proof that this account is mine. No response has been received to date, although I did receive the certified mail receipt as having been received on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: FL

Complaint narrative:
Complaint Title : Unauthorized Wire Recall Debit from Fraud Victims Account What Happened : I am a victim of an online investment scam. Between XXXX and XX/XX/year>, I communicated online with a man who presented himself as a businessman and potential marriage partner. On XX/XX/year>, my Discover Bank savings account received a wire transfer from an individual I did not know personally. He told me that funds sent to me by his clients were legitimate business proceeds intended for our future together. I believed him and followed his instructions to forward those funds to an investment account he provided. This was actually connected to the scam, though I did not know it at the time. 

On XX/XX/year>, I called Discover Bank to report the scam. The bank closed my old account XXXX XXXX XXXX XXXX XXXX opened a new one XXXX XXXX XXXX XXXX XXXX and created a verbal password for added security. This confirmed Discover Bank had documented me as a fraud victim. I also reported the matter to : Internet Crime Complaint Center ( IC3 ) Submission ID : XXXX XXXX XXXX Police Department Case # XXXX XXXX Despite this, on XX/XX/year>, Discover Bank debited {$1500.00} from my savings account labeled XXXX XXXX XXXX According to XXXX XXXX, this was due to a wire recall request from the sender of the XX/XX/XXXX transfer. 

Why I Am Complaining : Discover Bank processed the recall after having full knowledge I was a scam victim. 

The bank acted quickly to honor a recall request that benefited the sender who was involved in the scam yet has taken no action or at least provided no information regarding my wire recall requests for funds sent to the individual accounts which provided by the scammer. 

I was not notified or given an opportunity to dispute the recall before my funds were removed. 

The funds debited were my own remaining balance, not the original wire proceeds. 

No court order was presented to me. 

This action has caused me further financial hardship I have lost over {$110000.00} to this scam and this debit took away my last remaining savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
CFPB COMPLAINT I am submitting this complaint to report multiple inaccurate, unverified, and unauthorized items being reported on my credit file by the credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692. These inaccuracies are causing me severe harm, denial of credit, higher interest rates, and emotional distress. I have no contractual relationship, no authorization, and no consent for these items to be reported. Despite my previous disputes, the credit bureaus have failed to properly investigate and delete these items as required by law. The following are the disputed items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS ISSUE : This is another false address being reported, which misrepresents my history and identity.

LAW : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681n, 1681o.

STORY : I have no personal, residential, or business connection to this property. By allowing it to remain after a prior dispute and while a CFPB complaint is active, you demonstrate willful negligence. This information must be deleted immediately to prevent any further damage to my creditworthiness and to ensure compliance with FCRA and FDCPA reporting obligations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WRONG ADDRESS ISSUE : False address reporting without verification is a direct breach of federal reporting laws.

LAW : 15 U.S.C. 1681e ( b ), 1681i ( a ), 1681n, 1681o.

STORY : I have no legal or residential tie to this location. Continuing to show this on my report is causing me financial harm and reputational risk. This also raises suspicion of mixed file errors or identity theft indicators, which you are legally obligated to investigate thoroughly under 15 U.S.C. 1681c-2. Removal is non-negotiable.

These items are being reported without proper verification, documentation, or permissible purpose. Under the FCRA, the credit reporting agencies and furnishers are required to conduct a reasonable investigation, delete any unverifiable information, and provide me with the method of verification. The continued reporting of these inaccurate and unverified items shows willful disregard for federal law. I am requesting immediate deletion of all the disputed addresses and the unauthorized inquiry from my credit reports. Failure to do so constitutes continued violation of my consumer rights and will result in further legal action and complaints to the CFPB, FTC, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
You officially on notice that there is errant account ( s ) or incorrect information on the credit report and the items below are now disputed per FCRA 611 ( a ). Your companys references on the credit report are wrong because of the lack of completeness and/or accuracy. FCRA 623 ( b ) ( 1 ) makes it perfectly clear, if the information is not 100 % correct, it must be removed. A response is required by law within 15 days of receipt of this letter, or for the item in question to be permanently expunged from the record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt collection you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. 
Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: UT

Complaint narrative:
Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ equifax ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report XXXX : XXXX ), [ equifax ] has claimed that the disputed accounts have been " verified. '' XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented. 
15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed. 
Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ equifax ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 
I also believe that the actions of [ equifax ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: WV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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