vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding duplicate and improper re-reporting of a debt by XXXX XXXX and XXXX on my credit reports with all three major credit bureaus ( Experian, XXXX XXXX XXXX ). 

The debt in question originates from XXXX XXXX XXXX with a balance of {$2000.00}. The same debt is being reported under XXXX separate account numbers : - Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX - Account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX These appear to represent the same debt, but are listed separately, which misrepresents the amount I owe and harms my credit profile. 

Furthermore, this debt has been removed and re-reported by the collection agency, without any new validation or proper notification. I was not informed of the reinsertion, as required by law, nor was any certification provided that the reinserted information was verified as accurate. 

These actions may violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : - FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information - FCRA 1681e ( b ) : Failure to ensure maximum accuracy - FCRA 1681i ( a ) ( 5 ) ( B ) : Reinserted items require certification and notice - FCRA 1681s-2 ( b ) : Failure to investigate a dispute - FDCPA 1692e : Use of deceptive or misleading representations I have contacted the credit bureaus and am in the process of disputing these entries formally. I am requesting that the CFPB assist in investigating this matter and compel the furnisher to : - Delete all duplicate entries - Provide documentation for any reinserted information - Cease any further inaccurate 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
Consumer complaint received 2025-06-07 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:
Complaint Against TransUnion for Violation of FCRA ( 15 U.S.C. 1681i ( a ) ( 7 ) ) To Whom It May Concern, I am filing this complaint because TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), which entitles me to receive a description of the procedure used during their reinvestigation of disputed accounts on my credit report. 

I submitted a formal dispute regarding several accounts on my credit report 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and requested that TransUnion provide a detailed description of XXXX investigation procedures used to verify those accounts. However, they have repeatedly refused to provide this required information, despite my lawful request. 

Their lack of transparency and failure to comply with the FCRA obstructs my right to ensure the accuracy and integrity of the information being reported about me. 

I am requesting that the CFPB take immediate action to compel TransUnion to : 1. Provide the specific procedures used in their reinvestigation ( s ) as required by law, and 2. Ensure that any unverifiable or inaccurately reported accounts are removed from my credit file. 

Ive attached supporting documentation, including my original dispute and TransUnions inadequate responses. I am seeking your assistance in holding them accountable to federal law.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>. myt sicial security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 an auto loan from XXXX XXXX XXXX XXXX, and a cable caccount from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the following inquiries were unauthorized. please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-06-07 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: TX

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>. myt sicial security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 an auto loan from XXXX XXXX XXXX XXXX, and a cable caccount from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, the following inquiries were unauthorized. please delete XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-07 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was gifted an American Express gift card worth {$500.00} on XX/XX/XXXX. 
I tried to use this for purchases on - XX/XX/XXXX - XXXX of XXXX for {$270.00} ( to purchase a pair of jeans ). I tried XXXX times and was declined each times. 
XX/XX/XXXX XXXX XXXX  for {$230.00} ( pair of pants ). I tried again with another retailer online. I tried purchasing via apple pay ( I uploaded the card onto my phone and it was accepted ) and it was declined. I tried again via my computer and it was declined. 

Each of these retailers asked for all card information - number, expiry and security code, as well as name and contact details. 

When I rang American Express to get support on the issue, they are claiming that the transactions were declined because the merchants were not providing the security code. However, each transaction did require the security code. American Express refused to offer any other solution except continue to tell me this was the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-07 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: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Hi! I'm back on track with my Discover card XXXX and I make all the necessary payments. Please help me to reopen a closed account that I'm about to pay off and use with a care and love in the future. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AZ

Complaint narrative:
I am disputing a collection account reported by XXXX ( Account ending in XXXX ), which is not mine. I have no knowledge of ever opening an account with this company, and I have never received any statements, agreements, or communications from them. 

My personal information was compromised in a known data breach, and I believe this tradeline was opened fraudulently using my identity. This is not my debt, and I never authorized or signed for any line of credit with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
My vehicle was traded in on XXXX XXXX and XXXX XXXX assumed all balances associated with the XXXX that was traded in for a new leased vehicle on that date. The dealership did not pay one outstanding balance of {$450.00} that XXXX finance sent an invoice on. We visited the dealership and made multiple calls to resolve the remaining balance and was assured this would be resolved. They did not take action and it resulted in XXXX XXXX sending the debt to a debt collector. We have informed them of this situation and they still have not taken action.

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 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
I am requesting the removal of a negative tradeline reported by Hunter Warfield on behalf of XXXXXXXX XXXX XXXX XXXX XXXX  that is both inaccurate and unsubstantiated. 

Failure to Validate the Debt : Despite my formal request in XX/XX/year> for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), Hunter Warfield has failed to provide any evidence substantiating the alleged debt. The only documentation they have produced is the lease agreementwithout any proof of breach or liability beyond the agreed lease term. Notably, the XXXX XXXX they provided confirms that my lease ended on XX/XX/year>, further validating my position. Rather than properly validating the debt, Hunter Warfield instead offered a reduced settlement amount, which I declined, as it did not address the underlying inaccuracy of the claim. 

Disregard of Evidence and Due Process : I provided clear written evidence that : 1. I gave over 60 days notice of non-renewal ; 2. My move-out date was unconditionally approved in writing ; 3. All rent due was paid through XX/XX/year> ; 4. All move-out procedures and inspection were completed without issue.

Hunter Warfield disregarded these facts and continues to pursue a debt that lacks any legal or contractual basis. 

Damage Caused by Reporting Unsubstantiated Debt : Hunter Warfield reported this alleged debt to XXXX despite its disputed status and lack of proper validation. While they included a disclaimer such as Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), this does not absolve the impact of reporting a debt that remains unverified. As a result, my XXXXn credit score dropped by XXXX points, directly harming my creditworthiness, employment opportunities, and personal reputation. This misuse of the credit reporting system, under the guise of technical compliance, is both misleading and materially damaging. 

Unfair Burden on the Consumer : I have spent significant time, effort, and emotional energy disputing this invalid claim. While XXXX  reviewed the documentation I provided and removed the tradeline, Hunter Warfield proceeded to report it to XXXX, which continues to uphold their unsupported assertions while disregarding the clear, evidence-based documentation I submitted with my dispute. This has placed an undue burden on me as a consumer, forcing me to navigate a flawed and inconsistent dispute process, and undermines the intent and protections afforded by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B 15 U.S.C. 1681c- that Equifax , the credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of DEPT OF ED XXXX XXXX which is now a collection account at XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US 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 2025-06-07 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: CL Holdings LLC
State: GA

Complaint narrative:
To whom it may concern : Jefferson Capital SystemXXXX XXXX balance of XXXX has been reported to the credit reporting agency with falsified and inaccurate information. I have never had an account with a creditor, and requested validation of this debt due to fraud and inaccurate reporting to or by the credit bureau. 

I have received a copy of my credit report. To my surprise, you are reporting this account shown above as false with the intent to ruin my reputation and name. This collection account is reporting not only as XXXX as of XX/XX/2024, but also shows a XXXX XXXX XXXX  XXXX Account XXXX past due as of XX/XX/2024, past due balance XXXX XXXX XXXX, which is shown above as false information. I do not have an open, active, or validated account with Jefferson Capital System. According to FCRA, I have the right to accurate credit reporting.

Please remove the Jefferson Capital System act # XXXX account immediately upon receiving this information from my credit report as a collection account. Please provide me with a copy of my new credit report reflecting the removal from reporting as a collection account. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: Kikoff Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Kikoff Lending LLC for reporting a debt of {$340.00} for a service that was subscription-based and did not involve any loan or disbursement of funds.

I signed up for a credit-builder tradeline they offered to report to the credit bureaus, but I never used nor agreed to any additional paid services beyond that.

At no time was I extended credit or lent money. Kikoff failed to provide proper disclosures under the Truth in Lending Act and never notified me about a balance due until it was reported negatively. I never received any correspondence outlining the terms of a loan or the basis for the charge.

Kikoff reporting of this as a debt violates the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnished must be accurate and complete.

- 15 U.S.C. 1637 and 12 CFR 1026.6 : Truth in Lending Act ( TILA ) requires clear disclosure of credit terms.

- 15 U.S.C. 45 ( a ) : Prohibits unfair or deceptive acts or practices in commerce.

I request that the CFPB investigate Kikoff Lending LLC practices, have this false tradeline removed from my credit reports, and have any balance waived as this is not a valid debt under the law. I never consented to be billed for a service I did not use or benefit from, and no money was ever lent to me. 
Thank you for your time and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: 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 168b permissible purposes of consumer reports. 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.

has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Requested to resolve the matter in writing via certified mail, company failed to respond.

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