vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-07 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : ALLEGED DEBT NAME ; XXXX XXXX XXXX ACCT. # : XXXX AMOUNT : {$370.00} ALLEGED DEBT NAME ; KXXXX XXXX XXXX ACCT. # : XXXX AMOUNT : {$200.00} ALLEGED DEBT NAME ; XXXX XXXX XXXX XXXX : XXXX AMOUNT : {$1900.00} ALLEGED DEBT NAME ; XXXX XXXX XXXX  ACCT. # : XXXX AMOUNT : {$500.00} ALLEGED DEBT NAME ; XXXX XXXX  ( INDIVIDUAL ) ACCT. # : AMOUNT : {$610.00} I AM REQUESTING IMMEDIATE DELETION OF ALL PRIOR REPORTING MADE TO ANY CONSUMER REPORTING AGENCIES, EXPERIAN, EQUIFAX, TRANSUNION AND XXXX. YOU MUST SHOW PROOF THAT YOU LEGALLY OWN THIS ALLEGED DEBT AND THAT IT IS ACCURATE AND COMPLETE. 

SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB:XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) 281 sw 715,719, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

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 2025-07-07 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : ALLEGED DEBT NAME ; XXXX XXXX XXXX ACCT. # : XXXX AMOUNT : {$370.00} ALLEGED DEBT NAME ; KXXXX XXXX XXXX ACCT. # : XXXX AMOUNT : {$200.00} ALLEGED DEBT NAME ; XXXX XXXX XXXX XXXX : XXXX AMOUNT : {$1900.00} ALLEGED DEBT NAME ; XXXX XXXX XXXX  ACCT. # : XXXX AMOUNT : {$500.00} ALLEGED DEBT NAME ; XXXX XXXX  ( INDIVIDUAL ) ACCT. # : AMOUNT : {$610.00} I AM REQUESTING IMMEDIATE DELETION OF ALL PRIOR REPORTING MADE TO ANY CONSUMER REPORTING AGENCIES, EXPERIAN, EQUIFAX, TRANSUNION AND XXXX. YOU MUST SHOW PROOF THAT YOU LEGALLY OWN THIS ALLEGED DEBT AND THAT IT IS ACCURATE AND COMPLETE. 

SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX DOB:XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) 281 sw 715,719, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-07 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of an account reported on my credit report. The account in question is listed under the name XXXXXXXX XXXX XXXXXXXX, with a reported balance of {$1100.00} and an open date of XX/XX/year>. 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/year> Account Status : Open Remarks : Placed for collection ; Dispute resolved reported by grantor I am requesting that this account be removed from my credit report for the following reasons : 1. This account was previously disputed and marked as resolved, yet it remains open and is still negatively impacting my credit profile.

2. The account continues to report contradictory information ( such as being open while marked as resolved ), which is misleading and inaccurate.

3. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I believe this account qualifies due to the inconsistencies and lack of updated reporting.

Please investigate this account and provide me with documentation validating its accuracy and current status. If the information can not be verified, I respectfully request that it be deleted from my credit file entirely.

Enclosed are copies of my identification and a copy of my current credit report highlighting the disputed item.

Thank you for your prompt attention to this matter. Please provide written confirmation of the results of your investigation.

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 2025-07-07 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of an account reported on my credit report. The account in question is listed under the name XXXXXXXX XXXX XXXXXXXX, with a reported balance of {$1100.00} and an open date of XX/XX/year>. 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX Balance : {$1100.00} Date Opened : XX/XX/year> Account Status : Open Remarks : Placed for collection ; Dispute resolved reported by grantor I am requesting that this account be removed from my credit report for the following reasons : 1. This account was previously disputed and marked as resolved, yet it remains open and is still negatively impacting my credit profile.

2. The account continues to report contradictory information ( such as being open while marked as resolved ), which is misleading and inaccurate.

3. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I believe this account qualifies due to the inconsistencies and lack of updated reporting.

Please investigate this account and provide me with documentation validating its accuracy and current status. If the information can not be verified, I respectfully request that it be deleted from my credit file entirely.

Enclosed are copies of my identification and a copy of my current credit report highlighting the disputed item.

Thank you for your prompt attention to this matter. Please provide written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
see details as described in my complaint ID XXXX. It has been more than 30 days since I filed that report ; Wells Fargo Bank has not given me a reply. We visited their branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a few months ago. Their representative told us that they would look into it. They transferred it to an online rep named XXXX, but then he could not resolve the issue, and he asked us to talk to XXXX XXXX XXXX XXXX  never got back to us on this.

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 2025-07-07 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: TX

Complaint narrative:
I notified TransUnion of inaccurate alleged late payments of an account that they had been reporting from XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, and asked them to reinvestigate the account on XX/XX/XXXX. They responded with an insult to my intelligence and refused to reinvestigate, which is a blatant violation to my rights as a consumer, per FCRA, not to mention the fact that the CFPB has already sued TransUnion recently for sham investigations. They didn't even investigate the first time!

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I contacted XXXX Customer Service on XX/XX/XXXX after I realized my ex GF used my name to sign up for her electric bill. I sent them my active lease from XXXX and told them I do not live with her. They refused to do anything about it and instead sent a bill for {$840.00} to collections. I have tried to dispute this bill multiple times and the date on collections isn't even correct. The debt company, I C SYSTEM INC, that XXXXXXXX XXXX sold my debt to, states that the alleged account was opened on XX/XX/XXXX, but I have been disputing it since XXXX. 

This is the contact information for I C SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the report number from XXXX, where I last disputed the debt 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 explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo Whom It May Concern : IXXXX XXXX XXXX XXXX am filing this complaint against CITIBANK NA Account XXXX a debt collection agency XXXX am being contacted by CITIBANK NA Account XXXX a debt they claim I owe, despite the fact that they are not the original creditor of this debt. They have failed to properly validate this debt upon my request and have continued collection attempts without providing sufficient proof that they legally own the debt or have the right to collect on it. CITIBANK NA Account XXXX has not provided proper verification of the debt including the name of the original creditor, the original agreement, and documentation showing the complete chain of ownership from the original creditor to CITIBANK NA Account XXXX .They have continued collection efforts despite my written dispute of the debt and have not provided proper validation within the XXXX timeframe required by the Fair Debt Collection Practices Act ( FDCPA ). 
I believe this company has violated several provisions of the FDCPA, including failure to properly validate the debt upon request, attempting to collect a debt without proper legal standing, continuing collection activities during the dispute period, and engaging in harassing and intimidating collection practices. Their communications have been intimidating and have caused me significant stress and anxiety. Under the FDCPA ( 15 U.S.C. 1692 et seq. ), third-party debt collectors like CITIBANK NA provide validation of a debt within 30 days of initial contact, cease collection activities until proper validation is provided, provide complete information about the original creditor, and demonstrate legal standing to collect the debt. Furthermore, this has been on my credit report longer then XXXX years and CITIBANK NA Account XXXX will not drop off credit report despite the XXXX year law on the credit report, debt buyers who purchase debt from original creditors must maintain and provide complete documentation showing their legal right to collect, including the complete chain of ownership. 
As a fair resolution, I request immediate cessation of all collection attempts, removal of any related negative information from my credit reports, written confirmation that CITIBANK NA will cease collection activities on this account, and compensation for any FDCPA violations as permitted by law. I am filing this complaint to protect my rights as a consumer against improper debt collection practices and to seek appropriate resolution as provided by federal consumer protection laws. 
I declare under penalty of perjury that the information provided in this complaint is true and correct to the best of my knowledge. 
Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
After reviewing my report, I noticed that I have information that is not mine and I am a victim of identity theft and a data breach. I have tried to contact all bureaus multiple times and no action has been taken.

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 2025-07-07 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation