vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I get contacted by portfolio recovery and Jefferson capital services at least 3 times a day. It's frustrating because ive asked for verification that the debt is indeed mine .. ive seen numerous things on my credit that I have zero knowledge of and ive explained that to them, so I asked for confirmation to verify that the debt is indeed mine, but all I get are calls spammed through out the day. If the debt can not be verified I'd like for it to be deleted off of my credit report. This has been going on for 6 months straight... also I see that they've both been charged off but re added a year later starting in XXXX but added back in XXXX which ive read is called reaging which is a direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I am formally requesting the removal and deletion of inaccurate, unverifiable, and misleading information currently being reported on my credit file. These errors have negatively impacted my creditworthiness and do not accurately reflect my true financial history. In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute and request a full reinvestigation of these accounts to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$120.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: UT

Complaint narrative:
Inquiry from US BANK on XXXX. i am a victim of identity theft and i never authorized this inquiry.

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 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
CFPB, I am submitting this formal complaint against Three Sticks Lending for what I believe to be unfair, inconsistent, and potentially unlawful lending practices. This company has repeatedly denied my applications without explanation or transparency, leaving me with no understanding of what criteria are being used or why I continue to be rejected. 

Over time, I have applied multiple times with Three Sticks Lending in good faith, hoping for a fair review. Yet every single application has been met with the same outcome an immediate denial with no meaningful communication or opportunity to clarify or provide additional information. The repeated pattern of rejection, with no context or justification, makes me question whether there are unfair or discriminatory factors influencing their decision-making process. 

I have made consistent efforts to improve my financial situation, build my credit, and meet obligations responsibly. I have worked hard to position myself as a qualified consumer deserving of fair consideration. Despite that, Three Sticks Lending seems to have decided that I am not worth even a genuine review. This type of behavior is not only discouraging it XXXX also constitute potential violations of law if the companys practices are found to be unfair, deceptive, or discriminatory under federal consumer protection standards. 

The lack of transparency from Three Sticks Lending is unacceptable. Consumers deserve clear explanations for repeated denials, particularly when there is no negative or disqualifying factor that justifies automatic rejections. A company that operates in the financial services industry has a responsibility to treat consumers fairly and to comply with all relevant federal laws, including those that prohibit discriminatory or abusive lending practices. 

I am asking the Consumer Financial Protection Bureau to conduct a thorough investigation into XXXX Sticks Lendings internal lending procedures, application review systems, and compliance practices. The XXXX should determine whether this company is engaging in unfair, deceptive, abusive, or discriminatory acts or practices, or any other potential violations of law related to the Equal Credit Opportunity Act ( XXXX ) or other applicable statutes. 

This situation has caused not only financial inconvenience but also significant frustration and loss of confidence in the fairness of online lending platforms. I should not have to apply multiple times and face repeated denials without a single explanation or opportunity to clarify my 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 2025-10-20 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: AL

Complaint narrative:
I am submirring to follow up on my prior request for a copy of my consumer credit report maintained by Equifax, which was submitted on [ insert date of first request ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I am entitled to obtain a complete disclosure of all information in my Equifax credit file upon request. 

As of today, I have not received a response or confirmation regarding my initial request. This letter constitutes my second formal attempt to obtain my full consumer credit report. Enclosed, please find copies of my government-issued identification and proof of current address to assist with identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WLCC
State: CA

Complaint narrative:
CFPB, To Whom It XXXX Concern, I am submitting this complaint to formally report the ongoing and troubling conduct of Enable Loans. This is now my third complaint filed with the Consumer Financial Protection Bureau regarding this same company. Despite prior complaints and the companys awareness of my concerns, Enable Loans continues to engage in behavior that appears arbitrary, dismissive, and potentially unlawful toward me as a consumer. 

Each time I have applied for credit or financial assistance with Enable Loans, my application has been denied almost instantly. There has been no transparency, no opportunity for explanation, and no clear indication that my applications were reviewed in good faith. It feels as though I am being automatically rejected without any genuine review or consideration of my qualifications. 

Over time, I have taken proactive steps to strengthen my financial profile, including improving my credit, managing my obligations, and demonstrating stability. Despite these efforts, Enable Loans has never once given me a fair opportunity or any reasonable explanation for their repeated denials. I have begun to suspect that there XXXX be undisclosed factors influencing their decisions factors that could involve unfair treatment, discrimination, or potential violations of law. 

It is extremely disappointing that, even after multiple CFPB complaints, this company has not taken any corrective action or provided any transparency. When a consumer must resort to filing multiple federal complaints just to be treated fairly, it reflects a serious disregard for consumer protection standards and compliance expectations. 

Enable Loans refusal to engage meaningfully with me, coupled with their pattern of unexplained denials, has caused both financial frustration and emotional distress. Most legitimate financial institutions provide at least some reasoning or guidance when declining an applicant, but XXXX XXXX has chosen silence and opacity at every turn. This is not consistent with fair or responsible lending practices. 

I respectfully request that the CFPB conduct a full and thorough investigation into Enable Loans application review process, internal decision-making criteria, and potential violations of federal law, including but not limited to : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) ; Potential violations of the Equal Credit Opportunity Act ( ECOA ) ; and Any other applicable consumer financial protection statutes or regulations. 

It is important that this company be held accountable for its conduct and that a determination be made as to whether its actions are compliant with federal consumer protection laws. No consumer should be forced to file multiple complaints simply to receive a fair review of their application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

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 2025-10-20 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: TX

Complaint narrative:
This is my second follow-up regarding multiple inaccurate accounts on my credit report that remain unresolved. XXXX XXXX XXXX XXXX XXXX  {$1300.00} XXXX XXXX  ( Reported incorrectly ; FCRA 623 ( a ) ( 2 ), 611, 607 ( b ) ) XXXX XXXX XXXX XXXX XXXX  {$960.00} XXXX XXXX ( Incorrect late payments ; 623 ( a ) ( 1 ) ( A ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX ( Late payment sequence wrong ; 623 ( a ) ( 2 ), 611 ( a ) ) XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX ( Incorrect late status ; 607 ( b ) ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balances {$8200.00} {$16000.00} XXXX XXXX ( Late payments out of sequence ; 605 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 611 ( a ), 607 ( b ) )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
These accounts are on my credit file without my authorization or knowledge. I have never opened, authorized, or managed them. This is unacceptable and creates false, damaging information about my financial history.

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 2025-10-20 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-20 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: GA

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent accounts, charge-offs, late payments and collection accounts on my credit file resulting from identity theft and a confirmed data breach.

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : FRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I discovered that Equifax, Experian, and TransUnion are reporting multiple fraudulent accounts, charge-offs, late payments and collection accounts on my credit file resulting from identity theft and a confirmed data breach.

I submitted proper documentation including : Identity Theft Report filed with the FTC Multiple dispute letters under FCRA 605B Debt validation requests under FDCPA 809 Fraud alerts placed under FCRA 605A Despite these actions, the following inaccurate, unverifiable, and unauthorized accounts remain on my report Charge-Off Accounts : FRAUDULENT ACCOUNTS TO BE DELETED IMMEDIATELY : XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX {$1100.00} These companies are violating multiple provisions under : FCRA 605B Failure to block fraudulent information within 4 business days FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 5 ) Reporting data that is knowingly inaccurate FDCPA 809 Failure to provide debt validation upon request FCRA 605 ( c ) & 615 ( f ) Reinserting or re-aging fraudulent accounts FCRA 604 ( a ) ( 2 ) Failure to honor fraud alerts FCRA 616 & 617 Civil liability for willful and negligent noncompliance

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 2025-10-20 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I get contacted by LVNV Funding llc at least XXXX  times a day. It's frustrating because ive asked for verification that the debt is indeed mine .. ive seen numerous things on my credit that I have XXXX knowledge of and ive explained that to them, so I asked for confirmation to verify that the debt is indeed mine, but all I get are calls spammed through out the day. If the debt can not be verified I'd like for it to be deleted off of my credit report. This has been going on for XXXX  months straight... also I see that they've both been charged off but re added a year later starting in XXXX but added back in XXXX which ive read is called reaging which is a direct violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I am formally requesting the removal and deletion of inaccurate, unverifiable, and misleading information currently being reported on my credit file. These errors have negatively impacted my creditworthiness and do not accurately reflect my true financial history. In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my right to dispute and request a full reinvestigation of these accounts to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$120.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading information in my consumer report maintained by Early Warning Services ( Consumer ID : XXXX ). 

My file lists several negative accounts that are either incorrect, misclassified, or were fully resolved. These include entries reported by XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX The information is preventing me from opening new bank accounts and does not accurately represent my financial history. 

On XX/XX/year> I submitted a written dispute and supporting documents through Early Warnings secure consumer portal. I requested that they reinvestigate these records and provide verification from the reporting banks or remove any unverifiable information as required by the Fair Credit Reporting Act ( FCRA 611 ). As of today, I have not received any confirmation or resolution from Early Warning. 

I am asking that Early Warning conduct a full reinvestigation, provide written proof of verification from each financial institution, and delete any entries that can not be verified. I am also requesting that they send me an updated copy of my corrected consumer report once their investigation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NJ

Complaint narrative:
I am writing to dispute multiple unauthorized hard inquiries appearing on my credit file and to demand their immediate deletion. These inquiries were not authorized by me and are an inaccurate, adverse item on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of disputed information and to delete any information that can not be verified as accurate. See 15 U.S.C. 1681i. I hereby dispute the above-listed inquiries as fraudulent/unauthorized and request that you : Immediately reinvestigate these entries. 

Provide me written confirmation of your investigation results. 

Permanently delete from my credit file any inquiry you can not verify as authorized by me. 

Forward a notice of deletion to any party who has received my consumer report containing these inquiries ( including each furnisher/creditor ). 

Place a fraud alert on my file and, if applicable, block the reporting of any items resulting from identity theft once I provide an Identity Theft Report. ( I will provide an Identity Theft Report and any other documentation upon request. )

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