vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
In XX/XX/year>, I received a collection notice from XXXX and later a letter dated XX/XX/year>, from Jefferson Capital Systems , LLC regarding an alleged XXXX XXXXXXXX XXXX XXXX account ending in XXXX with a claimed balance of {$2300.00}. 
On XX/XX/year>, I sent Jefferson Capital a written request for validation and cease communication under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) and 805 ( c ) ). I requested documentation proving the debt belonged to me, including the original signed credit agreement, complete account history, and proof of ownership or assignment from the original creditor.

Jefferson Capital never provided any of the requested documentation. Instead, they continued to send payment offers and are still reporting this account to XXXX as an active tradeline.

This conduct violates the FDCPA and the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ), as they are furnishing unverifiable and inaccurate information. I am requesting that Jefferson Capital be required to either fully validate the debt or permanently delete the account from all credit bureaus and cease further collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-07 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are XXXX accounts from Dept of EdXXXX XXXX XXXX reporting inaccurate information. I have reached out several times to XXXX with no resolve for several months including XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> giving sufficient time to resolve the issues. This is causing me severe stress in the tough economic times when I apply for credit I'm denied due to the large amount of inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A garnishment was placed on my account by a receiver late XXXX early XXXX, I contacted said receiver and an agreement was reached for student loan funds to be released and non-exempt fund to be paid for a portion of the debt. Receiver faxed Bank of America XX/XX/year>, I contacted Bank of America to see if my account would be released on XX/XX/year>, stated that I had to communicate with receiver. Receiver faxed documentation again on XX/XX/year>, no response. 

I was finally able to communicate with the XXXX department and was told all funds in my account were debited and mailed to receiver on file. As of today XX/XX/year>, receiver has not received the check, we have both contacted Bank of America XXXX department to cancel the check and correct the error allowing me access to my exempt student funds and mailing the check to her in the correct amount she requested. They refuse to do so until the bank imposed 90 day waiting period is met. 

I was told by a representative that I should have communicated with customer service to avoid said actions. I made multiple attempts to contact Bank of America and with garnishment in place I was consistently told there was nothing they could do and I had to speak with the receiver on the account. I was given no opportunity to avoid this situation and have been given no help from the institution.

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 monetary relief
Consumer complaint received 2025-11-07 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: TN

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
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-11-07 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: CT

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies on my credit report. I have identified multiple accounts in dispute across the three major credit bureausEquifax ( EQ ), XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  ). Below, I have outlined each account in dispute and request that these items be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) Charged Off Accounts : XXXX : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am disputing an inaccurate medical debt that Experian is reporting from XXXX XXXX XXXX, XXXX, for a supposed bill from XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

I first disputed this tradeline with Experian on XX/XX/year>, and again on XX/XX/year>, after XXXX failed to provide any proper validation. In both cases, Experian verified the account as accurate. 

The collection agency has never provided a copy of the original bill, proof that a bill was ever sent to me, or any documentation from the provider. They only sent a three-page document clearly created by their own office. Despite this lack of evidence, Experian continues to report the debt as valid. 

This appears to violate 15 U.S.C. 1681i ( a ) ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to ensure maximum possible accuracy ).

I currently have two related CFPB complaints pendingone against XXXX XXXX XXXX, XXXX and another concerning the original provider, XXXX XXXX XXXXXXXX XXXX XXXX XXXX the same billing and validation issues. 

I request that Experian delete this tradeline or obtain original, itemized billing directly from the provider before verifying it again, and confirm the results to me in writing.

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 2025-11-07 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-07 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This complaint concerns a different issue than any earlier CFPB submissions and should not be classified as a duplicate. The issue here has never been reviewed.

When I applied for the credit product on the Home Depot website, the application page did not clearly disclose that the account was a closed loop
Home Depot only line of credit. It also did not clearly identify Citi as the issuing bank or that a hard inquiry would be placed for a store only account. The layout and disclosures led me to believe I was applying for a general use credit card. 

Because the required information was not clearly presented, my consent to the credit product and to the hard inquiry was not informed or valid. Citi has never addressed this issue in any prior response. Their replies continue to cite identity matching, which has nothing to do with the actual dispute. No investigation has ever been performed on the lack of disclosure or the misleading presentation of the credit product.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am requesting that the credit reporting agencies correct and update my personal identifying information. Several names, phone numbers, and addresses currently on my report are inaccurate or unauthorized. I am providing supporting documents to ensure that only my verified, current information is reflected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I pulled a copy of my Equifax consumer report and noticed an item reporting on my credit file that was removed by Experian on XX/XX/year> so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ). I have proof as follows.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: UT

Complaint narrative:
Summary : CreditFresh refuses to respond to my hardship assistance emails and continues sending automated messages demanding I call in, even though I have a documented speech impairment and have repeatedly requested communication by email only. I have made multiple written attempts to resolve my account in good faith. The companys lack of response prevents me from resolving a past-due balance and could harm my credit standing. 

Details : I emailed CreditFresh more than a week ago about a payment hardship and requested that communication occur by email only, as I can not use the phone due to a medical speech impairment. Despite this, CreditFresh has not responded to any of my written messages and continues to send automated call us notices. 
This conduct effectively denies me access to their hardship options and XXXX violate ADA communication accommodation standards. I have already filed a complaint with the Better Business Bureau ( BBB ) but am escalating to the CFPB for formal review.

Desired Resolution : Require CreditFresh to communicate with me by email only.

Review and process my hardship assistance request.

Pause all negative credit reporting or collection activity while communication is being re-established.

Company : CreditFresh XXXX XXXX XXXX XXXX ) Website : XXXX : XXXX Email used for contact : XXXX XXXX XXXX XXXX  I am trying to work with them in good faith, but their refusal to respond in writing leaves me without options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Wakefield & Associates is reporting one or more collection accounts on my credit report but has failed to properly respond to my debt verification request under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ). I mailed certified verification letters to two known addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX and both were returned as Return to Sender.

Details : Wakefield & Associates is actively reporting collection accounts to the credit bureaus yet has no valid or working address to accept consumer correspondence. This is obstructing my right to request debt validation and violates FDCPA regulations. Their failure to maintain an operational mailing address or respond to a debt verification letter constitutes non-compliance with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am filing this formal complaint due to unauthorized inquiries on my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law. 
Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : Creditor/Institution XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Institution XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Institution XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Specific Violations of the FCRA and Legal Basis : 1. Permissible Purposes ( FCRA, 15 U.S.C. 1681b ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In Pintos v. Pacific Creditors Association, 605 F.3d 665 ( 9th Cir. 2010 ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA. 2. Obligation to Investigate and Correct ( FCRA, 15 U.S.C. 1681i ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These
unauthorized inquiries should be removed under this provision.

3. Protection Against Identity Theft ( FCRA, 15 U.S.C. 1681c-1 ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate 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