vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this 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 non-monetary relief
Consumer complaint received 2025-07-29 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: MA

Complaint narrative:
To Whom It May Concern at XXXX XXXX XXXX XXXX Equifax, Experian, and TransUnion : I am formally disputing the reporting of late payments on my account ending in XXXX, specifically for XXXX and XX/XX/year> ( 30 and 60 days late, respectively ). These entries are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2, which require furnishers and consumer reporting agencies to ensure maximum possible accuracy in reporting. 

Upon reviewing my credit report, I was alarmed to find these late entries. I spoke with a XXXX XXXX  representative who acknowledged that an incorrect mailing address was on file : XXXX XXXX XXXX, XXXX, XXXX  XXXX, instead of my actual and verified address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. This misdirection likely caused me not to receive billing statements in a timely manner, resulting in the alleged delinquencies. This is a material error on your partnot mine. 

Per FCRA 1681s-2 ( a ), furnishers are required to report accurate information, and under 1681i, consumer reporting agencies are required to reinvestigate any item disputed by the consumer. The reported late payments are inaccurate, unverified, and must be removed. You are further reminded that failure to conduct a reasonable investigation may result in legal consequences, including statutory damages and actual damages under 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
Despite my persistent efforts, I've been unsuccessful in having the charge-offs removed from my credit report, even with direct confirmation from the companies that reported them. 

On XX/XX/year>, I mailed a letter to Experian, XXXX, and Experian, regarding a {$960.00} charge-off from XXXX XXXX XXXX and XXXX ( XXXX XXXX ) {$150.00} charge. 


In each instance, the credit bureaus have maintained the charge-offs on my report, citing their reporting accuracy despite the direct evidence I've provided from the original creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
Despite my persistent efforts, I've been unsuccessful in having the charge-offs removed from my credit report, even with direct confirmation from the companies that reported them. 

On XX/XX/year>, I mailed a letter to XXXX, Transunion, and XXXX, regarding a {$960.00} charge-off from XXXX XXXX XXXX and XXXX ( XXXX XXXX ) {$150.00} charge. 


In each instance, the credit bureaus have maintained the charge-offs on my report, citing their reporting accuracy despite the direct evidence I've provided from the original creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: AL

Complaint narrative:
Despite my persistent efforts, I've been unsuccessful in having the charge-offs removed from my credit report, even with direct confirmation from the companies that reported them. 

On XX/XX/year>, I mailed a letter to XXXX, XXXX, and XXXX, regarding a {$960.00} charge-off from XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX ) {$150.00} charge. 


In each instance, the credit bureaus have maintained the charge-offs on my report, citing their reporting accuracy despite the direct evidence I've provided from the original creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I'm filing this complaint because Experian continues to report multiple accounts on my credit file that are clearly inaccurate, unverified, and should have never remained after being formally disputed. I've already taken the steps to notify you, and yet the same accounts are still being reported with no real investigation and no proper resolution. At this point, it's not just disappointing, it's exhausting to keep chasing corrections that should have been handled the first time. This behavior violates several provisions of the Fair Credit Reporting Act. Under 15 U.S.C. 1692j, it is unlawful to furnish forms or information that create a false impression of creditor authority. Additionally, 15 U.S.C. 1681b prohibits consumer reporting agencies from including data without a valid permissible purpose, and 1681e ( b ) requires all information to be maintained with maximum possible accuracy. Experian has failed to comply on all fronts. There is no indication that these accounts have been properly verified or supported by original documentation. I have specifically requested copies of any applications or contracts bearing my signature, and to date, none have been provided. Experians reliance on unverifiable data is misleading, deceptive, and unlawful. I refer to the case XXXX XXXX XXXX XXXX XXXX, which held that reporting misleading information without verification constitutes a violation. Additionally, in XXXX  v. Experian, the court ruled that credit bureaus are liable for failing to follow reasonable procedures in their handling of disputed accounts. These cases reflect the seriousness of the matter and further demonstrate that Experians continued reporting of these disputed entries is a willful and ongoing violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
I was originally owned in XXXX credit card total amount of XXXX ON XX/XX/XXXX with the late fee and everything it goes to XXXX $ BY XX/XX/XXXX and then the JEFFERSON CAPITAL SYSTEMS LLC bought my debt and after they bought they been harassing me by calling multiple times in one day nonstop for over almost a year and now they Sued me to collect my debt. I tried to contact them and ready to pay but some one i talked to told me that I don't have account from them and they want my personal information .. and I didn't give them..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I can't pulled my Equifax report since last week, it say 's Please give us a call and give this code to the XXXX : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX  to XXXX XXXX  ( ET ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. 
Upon seeing this, I already called Equifax Customer Care and was advised to send some documentation to support my call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
I was called by XXXX XXXX and said he represented my loan company and could offer me a discounted interest rate and lower note because I was flagged as behind and needed assistance. He told me the procedures and I followed through immediately. Then he called back and said his supervisor needs to be involved because I was asking what I wanted to be comfortable and XXXX XXXX called but said I was referred to the Manager because he had to ok my request. So XXXX XXXX is now involved. I gave XXXX XXXX {$2700.00} to complete his offer but XXXX XXXX said that was not the full amount and I needed {$1900.00} more and he would leave me at my interest rate and my note would be {$1100.00} and the back pay would be moved to the back end of the loan and I would be current. I just had to participate in a three month trial of good faith and the new loan modification would be set. I had been sent a packet from the mortgage and told them I could not sign that because we could not afford what they were doing but after all this was in place the mortgage rep called and said they were waiting on the packet to be signed and returned. I told her I had entered into an agreement and she said those persons were not representing them or employees of theirs. So now I am out of this money and they are looking at foreclosure or forced sale and liquidation. During this another gentleman called but XXXX XXXX said to get names and numbers and give to him and he would talk to them so I wouldn't get repeat calls from others in the office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Date of Birth : XX/XX/XXXX. XXXX : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX XXXX - Opened on XX/XX/XXXX - Balance {$2100.00} XXXX  XXXX XXXX - Opened XX/XX/XXXX - Balance {$710.00} XXXX XXXX - Opened XX/XX/XXXX - Balance {$1800.00} XXXX XXXX  - Opened XX/XX/XXXX - Balance XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my Social Card. 

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ). 

I trust that this matter will handle promptly and in compliance with federal law. 

Thank you for your immediate attention to this urgent matter. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
In XX/XX/year> I went to the XXXX XXXX store by my house to look into opening a business account. I never agreed or signed anything. This account was opened anyway and they sent me a bill. I called them multiple times and they said itll be taken care of because I did not open it. Then they sent it to collections. Ive been in contact with the executive resolutions department who said they acknowledge the mistake and will remove the debt. I am demanding compensation. They refuse. My credit has been dropping for months due to this debt and it is FRAUD at the end of the day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt XXXX  Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I sent this email to them, which describes the horrendous problem I am having with this company! 

I STILL HAVE NOT RECEIVED MY CARD!! I'VE CALLED 5 TIMES AND HAVE WAITED MONTHS AND STILL NO CARD!! I AM BESIDE MYSELF ANGRY!! I DON'T KNOW WHO TO COMPLAIN TO, THOSE THAT ANSWER THE PHONE KNOW NOTHING, AND MY CARD NEVER COMES!! WHAT IS WRONG WITH YOUR COMPANY?? 

I applied and was approved for this card over 4 months ago! The first address they sent it to was an old address in another state. ( I've been here in XXXX  4 years! ) Though my current XXXX  address was on the ( online ) application, I could maybe understand how this happened. I called them the first time, they confirmed my XXXX  address and said a new card would be sent out in 10-14 business days. I waited a month and called again. They had no clue and said a new card would be sent out in 10-14 business days. I waited a month and called again. They kept asking me for the card number! I kept telling them I never received a card! They said they would make my card inactive and another card would be sent out in 10-14 days. I waited a month. They were still clueless, told me they would make my card inactive and another card would be sent out in 10-14 days. That was 30 days ago. 7 days ago I received a letter from them. They just wanted to confirm I live at the address I said I live at. ( I can't find it. I was so disgusted with them, I probably threw it out! ) However, no action on my part was necessary. I STILL have not received my card!! I have never seen anything like this- ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX XXXX has engaged in deceptive and unlawful credit reporting practices in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), by knowingly furnishing materially false, manipulated, and unvalidated tradeline data to the consumer reporting agencies. This includesbut is not limited tothe alteration of payment reporting dates after the initiation of a dispute, indicating post-dispute tampering intended to obfuscate prior inaccuracies. 

Despite multiple written requests, XXXX XXXX has failed to provide proper debt validation under 609 ( a ) ( 1 ), including a signed contract, original billing statements, account-level payment breakdowns, and any legally admissible evidence of default. No documentation justifying the reported 30- and 60-day delinquencies was furnished. This constitutes both a failure to investigate under 611 and a knowing misrepresentation under 623. 

Moreover, during the disputed period, I received fraudulent merchandisea designer item that upon third-party review was deemed non-authentic. I promptly informed the company, and they failed to resolve the matter or offer a refund, implicating further violations under the FTC Act for deceptive business practices and breaches of the Uniform Commercial Code ( UCC 2-313 through 2-316 ).

The companys response thus far has been evasive, generic, and procedurally noncompliant. They have marked prior complaints as duplicates without materially addressing the claims presented, further obstructing lawful redress.

This is not a duplicate complaint. This is an escalated action due to : FCRA 609 and 623 noncompliance Post-dispute date tampering Misrepresentation of merchandise value Continued refusal to furnish documentation Violations of federal mail and wire fraud statutes ( 18 U.S.C. 1341, 1343 )

Company response to consumer: Closed with explanation