vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$550.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$22000.00} XXXX # XXXX XX/XX/XXXX -- {$950.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
When viewing my transunion credit report there is an account under adverse accounts with a credit collection agency named XXXX funding, the original creditor was XXXX. I formally had a XXXX account that is reported under satisfactory and paid in full accounts. This is reporting incorrectly and I need the adverse account to be removed immediately as it has affected my finances and my abillity to secure housing. 
The account numbers on the satisfactory account and the adverse account on my transunion report are the same. The adverse account needs to be removed. A creditor should not be able to make such errors and then allow them to remain once disputed with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Credit Report Inaccuracy Failure to Mark Account as Disputed and Unauthorized Inquiries I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau to report the continued reporting of inaccurate, incomplete, and unverified information on my credit file, despite having submitted a dispute over 35 days ago. 

After reviewing my credit report, I found several issues which I previously disputed with both the debt collector and the credit bureau. Unfortunately, no corrective action has been taken. In particular, the following violations are evident : The disputed account is still not marked as in dispute, despite my timely and direct notice. 

Several hard inquiries were made without my authorization and remain improperly listed. 

Personal information on file is incorrect and has not been updated or removed. 

Violations Cited : 15 U.S. Code 1681s2 ( a ) ( 3 ) : Requires furnishers to report an account as disputed once notified by a consumer.

15 U.S. Code 1692e ( 8 ) : Prohibits the communication of credit information that is known to be disputed without proper disclosure.

Despite clear documentation and notification, the account remains unmarked as disputed, and the unauthorized inquiries and erroneous personal information persist on my credit file. This noncompliance reflects negligent and potentially willful violations of both the FCRA and FDCPA.

Disputed Items : Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX, OH XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( duplicate ) XXXX XXXX XXXX  Account Disputes : Charge Off XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX, Account No . XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included documentation of my original dispute and a copy of my current credit report, which clearly shows that the charge-off account is still not marked as disputed, as required by law. 

This ongoing misreporting is harming my creditworthiness and could negatively impact my ability to obtain housing, employment, or credit.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX Subject : Credit Report Inaccuracy Failure to Mark Account as Disputed and Unauthorized Inquiries I, XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau to report the continued reporting of inaccurate, incomplete, and unverified information on my credit file, despite having submitted a dispute over 35 days ago. 

After reviewing my credit report, I found several issues which I previously disputed with both the debt collector and the credit bureau. Unfortunately, no corrective action has been taken. In particular, the following violations are evident : The disputed account is still not marked as in dispute, despite my timely and direct notice. 

Several hard inquiries were made without my authorization and remain improperly listed. 

Personal information on file is incorrect and has not been updated or removed. 

Violations Cited : 15 U.S. Code 1681s2 ( a ) ( 3 ) : Requires furnishers to report an account as disputed once notified by a consumer.

15 U.S. Code 1692e ( 8 ) : Prohibits the communication of credit information that is known to be disputed without proper disclosure.

Despite clear documentation and notification, the account remains unmarked as disputed, and the unauthorized inquiries and erroneous personal information persist on my credit file. This noncompliance reflects negligent and potentially willful violations of both the FCRA and FDCPA.

Disputed Items : Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX, OH XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( duplicate ) XXXX XXXX XXXX  Account Disputes : Charge Off XXXX XXXX XXXX, Account No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX, Account No . XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have included documentation of my original dispute and a copy of my current credit report, which clearly shows that the charge-off account is still not marked as disputed, as required by law. 

This ongoing misreporting is harming my creditworthiness and could negatively impact my ability to obtain housing, employment, or credit.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recognize the information on my credit report. I just no longer need it on my credit report. Please remove 7 of my names stated 7 times only need one which is ( XXXX XXXX XXXX XXXX ) same thing with addresses i dont live at those addresses anymore. 4 addresses need to be removed and 3 employers. Thank you please get this fix. I want this information to be removed of my credit report please remove immediately thank you so much.

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 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Credit Card Debt Collection Jefferson Capital Systems LLC To Whom It May Concern, I am submitting this complaint regarding two credit card debt collection accounts listed with Jefferson Capital Systems LLC. These accounts have been reported to my credit file, but I have serious concerns regarding their validity and the lack of information provided to me. 

When I attempted to access information through Jefferson Capital 's website using my name and the last four digits of my Social Security number, I received a message stating that no account information was available. Despite this, these debts continue to appear on my credit report and show an outstanding balance. 

Furthermore, I have never received any written communication, validation notice, or account details from Jefferson Capital regarding either of these debts. This lack of transparency raises concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ), particularly the requirement to provide verification of the debt upon request. 

I contacted Jefferson Capitals customer service to notify them that I receive Supplemental Security Income ( SSI ) and have limited ability to repay debts. I requested assistance or a hardship program, but I have not received any adequate response or resolution to date. 

I respectfully request the CFPB to investigate the following : The legitimacy and origin of the debts listed by Jefferson Capital Systems. 

Why I have not received any written notices or validation information. 

Whether the creditor is properly handling and reporting debts in accordance with the law. 

Assistance in ensuring that my rights as a consumer receiving SSI are protected and that I am not being unfairly treated or harassed for payment I can not afford. 

Attached is a screenshot from my credit monitoring report showing one of the Jefferson Capital accounts ( Balance : {$610.00} as of XX/XX/year> ). and Jefferson Capital accounts ( Balance : {$490.00} as of XX/XX/year> ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Simple Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-06-21 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX Simple Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
{$470.00} XX/XX/2024 This card was opened in my name without my consent & i believe i was a victim of identity fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I transferred funds from my XXXX XXXX  account into my Marcus by Goldman Sachs account. The transfer cleared, but shortly after, I received two emails from Marcus one stating my transaction was declined, and another instructing me to call them to find out why.

I called, and to verify the origin of the funds, Marcus requested confirmation from XXXX. To resolve this, we conducted a three-way call between Marcus, XXXX, and myself, during which XXXX confirmed the funds were legitimate and verified. 

Despite that, my transfer was denied a second time, with no valid reason given.

When I called back, the first representative today gave vague explanations and falsely claimed that no managers were available. After reading Marcus advertises 24/7 support, I called again to test if that was true and immediately, a different rep told me a manager was available. This directly contradicted the earlier claim, proving I had been misled.

I waited over 20 minutes to speak with the manager. She was unable to clearly explain why the second transfer was denied, stated the previous days call wasnt showing, and repeated the incorrect claim that the funds needed to return to my closed XXXX account which Marcus was already aware of. She also mentioned I may have triggered a quick transfer block, but Marcuss own policy allows 6 withdrawals per month, and I only attempted 2 well within that limit.

When I asked how long resolution would take, she said I might hear back by next Wednesday but could not provide a timeline or guarantee. I explained that I no longer trust Marcus to manage my money and gave them a 7-day deadline to release all of my funds or I would take legal action and file formal complaints through all appropriate channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$81.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$720.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$81.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX XXXX XXXX  Balance : {$69.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} 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 2025-06-21 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX  -- {$2400.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: GA

Complaint narrative:
I am filing this FTC Identity Theft Adavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognixe as reported and which are the resault of identity theft and fraud. These fraudulent accounts consist of the following XXXX XXXX- {$1000.00} XXXX  XXXX XXXX {$580.00} XXXX {$350.00} XXXX XXXX- {$640.00} XXXX XXXX- {$1100.00} XXXX- {$360.00} XXXX {$2500.00} XXXX XXXX- {$630.00} XXXX- {$2700.00} XXXX XXXX- {$20000.00} XXXX XXXX- {$1500.00} XXXX {$1000.00} XXXX {$14000.00} XXXX {$620.00} XXXX {$3500.00} XXXX {$2100.00} XXXX XXXX- {$560.00} XXXX {$170.00} XXXXXXXX XXXX- {$3100.00} XXXX- {$1500.00} XXXX XXXX- {$2300.00} XXXXXXXX XXXX- {$170.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report . I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief