vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The creditor is reporting an account to the credit bureaus without providing proper documentation to verify the accuracy and legitimacy of the information. I formally requested validation of the account under applicable federal laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) for accuracy of reporting, the Truth in Lending Act ( 15 U.S.C. 1666b ) for proper application of payments, and the Knowledge of the Identity of the Lender Act ( KILA ) for disclosure of creditor identity and loan ownership. To date, they have not provided the requested documentation or verification.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and submitted a complete FCRA 605B identity theft block package to both Experian and TransUnion on XX/XX/XXXX. My submission included : FTC Identity Theft Reports ( FTC Report XXXX. XXXX and XXXX ) Government-issued ID and proof of current address A signed written statement identifying each fraudulent account, inquiry, and inaccurate personal identifier. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus were required to block and remove all fraudulent information within four business days of receiving my request. The bureaus have willfully failed to comply, and the fraudulent accounts remain on my consumer reports well beyond the statutory deadline. 

The disputed items include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also disputed multiple inaccurate personal identifiers, including incorrect addresses, names, employer, and date of birth,

which remain uncorrected in violation of FCRA 1681e ( b ) ( maximum possible accuracy ) and 1681i ( reasonable reinvestigation ). The bureaus failure to block fraudulent data after receiving a valid 605B request, combined with their continued reporting of false information, constitutes : Willful noncompliance with the FCRA ( 1681n ) Negligent noncompliance with the FCRA ( 1681o ) Failure of furnishers to report accurate data ( 1681s-2 ) I am requesting the CFPBs assistance to compel Experian and TransUnion to : Permanently
DELETE all fraudulent accounts, inquiries, and inaccurate personal identifiers listed above.

Provide me with updated credit reports reflecting the deletions.

Confirm in writing their compliance with 605B and all relevant FCRA provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
They are reporting the wrong date on my credit history. I've contacted the credit bureaus and the company to correct this information. This debt was supposed to be paid off by XXXX XXXX and was not paid when I switched over from XXXX to XXXX XXXX I was not sent a final bill or any kind of information. The company has not provided a debt validation letter. This violates : FCRA 623 ( a ) ( 1 ) ( A ) prohibition on furnishing inaccurate information.

FCRA 623 ( a ) ( 5 ) proper reporting of the date of first delinquency.

FDCPA 807 ( 8 ) communicating false credit information.

Requested Action : I request that the CFPB investigate this matter and compel Jefferson Capital Systems LLC to : Remove the account entirely from my credit reports with all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing a fraudulent account appearing on my credit report. I did not authorize, open, or participate in this account in any way. Its presence is wholly inaccurate and harmful.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed multiple accounts that do not belong to me reporting fraudulent I plan to take the necessary steps to remove all fraud 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed multiple accounts that do not belong to me reporting fraudulent I plan to take the necessary steps to remove all fraud from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX, hereby submit this formal complaint against XXXX XXXX XXXX XXXX XXXX ( Respondent ) for their unlawful collection practices in violation of both federal and Texas law.

1.Judgment Filed Without Evidence Respondent filed a judgment against me without providing any proof that I owe the alleged debt, in direct violation of their burden of proof. Under Texas law, a debt collector must demonstrate proper ownership of the debt and the accuracy of the amount owed in court. 
2.Failure to Validate Debt ( Texas Finance Code 392.202 ) Despite my requests, Respondent failed to provide required debt validation within 30 days, including details such as the original creditors name, date of default, date of transfer, original and current balances. This breach constitutes an admission that the debt is inaccurate and obligates Respondent to cease collection efforts and remove any negative listings within 5 days. 
3.Violation of the Fair Debt Collection Practices Act ( FDCPA ) Respondent failed to provide the mandatory validation notice within five days of initial communication, violating 15 U.S.C. 1692g. They also engaged in deceptive practices by filing suit without evidence and using false or misleading documents in violation of 15 U.S.C. 1692e, 1692f, and 1692g. 4.Violation of the Texas Debt Collection Act Respondent misrepresented the existence or status of a debt, used false documents purportedly from a court, and failed to identify the true debt holderviolating the Texas Debt Collection Act. These practices are unlawful and may trigger criminal and civil penalties. 5.Defamation and Reputational Damage By publishing false informationboth through courts and credit reportingwith no supporting evidence, Respondent has unjustly harmed my personal and professional reputation. Such acts are
actionable under the Texas Deceptive Trade PracticesConsumer Protection 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : 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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/year> Received fraud alert text for a charge I did not make, replied no to making charge and immediately checked my account and called chase bank. Chase starts claim for fraud, stating the purchases were made via XXXX XXXX with in person digital wallet in the state of IOWA and ask if I recognize the last 4 digits of the phone number thats linked to the account that was used. I proceed to tell them I live in Texas and do not have an XXXX XXXX account, never have, and never set up or use digital wallet. I wait over 2 weeks with negative balance in my account, over draft fees stacking up and no bank card, theyre supposed to be sending the new one but never received it and called multiple times asking for tracking on it. After 2 weeks I have to call and they tell me they denied my claim within 24 hours stating XXXX stated I verified the purchase. I have since called XXXX and they told me chase is lying because XXXX has no jurisdiction over XXXX XXXX  nor is it connected to any XXXX accounts XXXXXXXX XXXX is merely a conduit between the purchaser and the bank, and the bank is the one who verifies purchases and that the fact that my device number is not the same as the one used to purchase these charges proves i did not make the purchases. Chase reopens the claim with documents I uploaded to prove my device and lack of account and work records, chase stating I originally stated I had an XXXX XXXX account and use digital wallet, I request to hear the recorded conversation because I have a witness to testify that I never said that. I ask about my missing new bank card and thats when they see that a new fraud charge has appeared on my account with the new card I still havent received. They overnight me another new card and close out the digital wallet access and reimburse my account. Why wasnt this done the first claim? Within 24 hours again, Chase denies my reopened original claim stating all the same things and that they can no longer help me. The original claim is for {$1600.00} as stated on my app and the secondary claim for the same issue thats been temporarily reimbursed is for {$36.00}. Chase has not reached out once Ive had to call and complain and push the issues multiple times and they refuse to actually investigate and return the fraudulent charges. They have lied to me and inaccurately recorded my claim, all leading to them quickly and unjustifiably denying my claims. I will be seeking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
CREDENCE RESOURCE MANAis falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
Bank errors in billing and reporting are negatively and unlawfully impacting my credit. Under the Truth in Lending Act ( TILA ), 15 U.S. Code 1666 ( b ), creditors are required to accurately record and reflect all payments and credits. Several violations have occurred : Payments I made were not properly recorded.

Reported balances contain clear calculation errors.

I was not provided with the legally required 21-day notice before a payment due date, rendering any reported late payment invalid.

These inaccuracies constitute a direct violation of federal law and have caused unjust harm to my credit standing.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Wasn't relieving my mail so I went to the post office, & forwarded all my mail, and received a letter letting me know i received 2 checks & i can receive more compensation, that's when I contacted them files a claim and let them know I never received any of the income.

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