vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I filed a dispute with Transunion for a XXXX XXXX XXXXy the Bankruptcy was removed from my credit report between XX/XX/year> and XX/XX/year>. I was checking my credit report and upon checking I noticed it stated the XXXX XXXX XXXX  was reinserted back on my credit report between XX/XX/year> and XX/XX/year>. I contacted Transunion on XXXX XXXX XXXX  and spoke with a agent who insured me the XXXX XXXX XXXX was not reporting on my credit I then contacted credit karma about information possibly being reported inaccurate they stated to me they only report what thee credit bureaus send them, However I do know credit karma is a third party. I reached back out to Transunion XX/XX/year> spoke with a agent who stated there is no XXXX XXXX XXXX reporting on my credit report she then transferred the call to a supervisor who also stated there is nXXXX XXXX XXXX XXXX reporting on my credit report I then told him the it is he stated they need to reach out to technical support to see if it was a error and to reach back out to Transunion in 5 business days. They are in complete violation because I did not get a reinsertion letter before or prior to Transunion reinserting this information back on my credit 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 2025-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Hello, My mother passed XX/XX/XXXX of XXXX XXXXXXXX. I inherited the house via a XXXX XXXX  XXXX. I sent Citizens Bank who has a $ XXXX XXXX the death certificate and deed. I requested my name be added to the statement, so I could refinance it. They refused. I spent days trying to get the correct department to help me. No one will help me. They made me resend the above documents XX/XX/XXXX and again XX/XX/XXXX. The bank refuses to add my name to the invoice. 

As of today, I may lose my homesteaded house, because I have had XXXX XXXX  since XX/XX/XXXX and am in a hardship position. Currently, I am unemployed and my credit is ruined because I couldn't get the XXXX  I needed to refinance this loan. I needed the XXXX to save the house because the taxes tripled. I will then be homeless. 

XXXX XXXX who services my first mortgage has added my name to the statement/invoice with no issue. 

Citizens is purposely trying to take my house from me. I have lived there for over 20 years helping pay into it with my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-21 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 never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-21 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: VA

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 victim of identity theft. 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 2025-07-21 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 believe these accounts were fraudulently opened and are not tied to me. I ask for their swift removal and a comprehensive inquiry. Documentation is included.

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 2025-07-21 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MO

Complaint narrative:
Ongoing Reporting of Invalid Debt by Jefferson Capital Systems Request for Immediate Removal and Reparations Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate and harmful information being reported on my TransUnion credit report by Jefferson Capital Systems , LLC for an alleged debt of {$100.00}. 

This account stems from an original XXXX obligation that was paid in full and removed from my credit reports prior to XXXXXXXX XXXX acquisition. Nevertheless, Jefferson Capital Systems has inaccurately reported it as a valid debt. I have disputed this account multiple times directly with both TransUnion and Jefferson Capital Systems, yet it remains on my report without any validation or supporting documentation being provided. 

For reference : XXXX deleted this account upon my initial dispute, acknowledging it was invalid. 

TransUnion has failed to correct this entry despite multiple formal disputes. 

I have never received a debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ). 


This false entry has already caused me measurable financial harm, including : Lowered credit score, which has directly impacted my ability to secure fair terms for credit and housing. 

Emotional distress and time spent repeatedly disputing something that should never have been reported. 

Unjust damage to my financial reputation, caused by continued reporting of a debt that was already satisfied and removed by the original creditor.

I am requesting : 1. Immediate removal of this invalid {$100.00} debt from my TransUnion credit file.

2. Written confirmation that this account has been removed.

3. Full validation documentation, should Jefferson Capital Systems claim it has any right to report this debt. 


4. Compensation for the damages already caused to my credit standing, including but not limited to the adverse impact on my score and the resulting denials and increased interest terms. 



Their failure to comply with the Fair Credit Reporting Act ( FCRA ) and FDCPA has resulted in undue harm, and I expect swift corrective action and appropriate reparations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Citi XXXX Visa more than 30 years and alway make payments on time My visa closed on XX/XX/year> without notice and without reason I believe I have been discriminated because Im XXXX XXXX US citizen Please investigate Thank you

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 2025-07-21 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:
I am filing this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccurate, misleading, and unverifiable entries appearing on my credit report. These include erroneous addresses, invalid charge-offs and collections, and unauthorized hard inquiries. These issues are causing unjust harm to my creditworthiness and violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting a full reinvestigation, immediate deletion of the inaccurate information, and enforcement of my rights under federal law. Below I have listed the items individually with their respective law violations and explanations : XXXX XXXX Account # : XXXX Late Payment * Date Opened : XX/XX/year> | Balance Owed : {$0.00} This account is inaccurately showing late payments despite being paid in full. 
Law Violation : FCRA 607 ( B ), 611 Data furnishers must report accurate and complete information. 
Story : I fulfilled my obligation and paid this account timely. These late marks are damaging my score unfairly. I request correction or removal. 

I respectfully request the Consumer Financial Protection Bureau to investigate the matters listed above in accordance with the FCRA and FDCPA. I am asking that you compel the credit reporting agencies and furnishers to provide adequate proof of accuracy or permanently delete the disputed information from my credit file. Each of these errors is affecting my financial standing and ability to obtain fair credit. I am asserting my rights under 15 U.S.C 1681i, 1681s-2, and 604, and under FDCPA 809 and 807, and request full compliance from all parties involved. Please assist in holding the furnishers and credit bureaus accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NH

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against a closed collection account reported by XXXX XXXX ( appears as " XXXX XXXX '' ) on my Equifax credit report. This account shows a {$0.00} balance, yet it is still being reported as a collection account and was updated as recently as XX/XX/year>. 

This is highly misleading and inaccurate for the following reasons : The debt was resolved years ago, and no money is owed. There is no valid reason for the account to be updated in 2025 if it has been inactive and paid. 

Updating the report without new activity or balance due is considered re-aging the debt, which is a deceptive practice and violates the Fair Credit Reporting Act ( FCRA ), particularly 605 ( c ), which limits the reporting period for derogatory information to 7 years from the original delinquency date. 

Equifax is continuing to report this account as an active collection, even though there is no open balance, no collection activity, and no contractual obligation remaining. 

The information being reported is incomplete, vague, and damaging, especially because it does not show the original delinquency date, who collected the debt, or when it was resolved. It simply updates with no substantiation or change in status. 

This is materially misleading to creditors and scoring algorithms, as it gives the appearance of recent negative activity that is false. 

I am requesting the CFPB to enforce my rights under : FCRA 605 ( a ) and 605 ( c ) Improper re-aging of the account FCRA 607 ( b ) Duty to report accurate and complete information FCRA 611 ( a ) Failure to properly investigate and correct disputed data I am requesting a full investigation into : Whether this account has been illegally re-aged Whether Equifax has sufficient documentation to substantiate ongoing collection reporting Whether the furnisher ( XXXX XXXX or their agent ) has violated FCRA and/or FDCPA provisions Resolution Requested : Permanent removal of this account from all credit reporting databases ( Equifax, XXXX, XXXX  ) as it is no longer valid, accurate, or reportable under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NV

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00}

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 2025-07-21 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: NC

Complaint narrative:
I have been attempting for several months and several tries to resolve the issue to login to my online myEquifax account which Ive been told is blocked, I tried one last time to mail in the requested documentation that Ive mailed in several times before ( copy of drivers license and copy of ssn ) last week on XX/XX/year>. 
I mailed the requested documentation to ( as I have in the past ) : Equifax XXXX XXXX XXXX XXXX, GA XXXX I called today ( XX/XX/year> ) and once again I was told as Ive been told several times in the past that my documentation has not been received. I keep getting the run around and in the meantime am unable to login to my myEquifax online account to do things like dispute, and unfreeze, and manage my Equifax credit report ahead of my planned mortgage application. This is holding up this process and very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
On XXXX XXXX I submitted a letter to all three credit reporting agencies stating that there were fraudulent accounts reporting on my report. I quoted the law 15 U.S.C. 1681c2 ( FCRA Section 605B ) and requested the accounts be removed in 4 business days. It has been more than 4 business days and they have not removed it so this is a follow up demanding they be removed before I take things further.

Company response to consumer: Closed with explanation