vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XX/XX/XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XX/XX/XXXXC 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 XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXX ( XXXX ). According to, 15 U.S. CXX/XX/XXXXe XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXX/XX/XXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY. 
XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/year> Balance {$0.00}

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing several unauthorized credit inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I grant anyone permission to access my credit profile. These inquiries were made without my knowledge or consent, and they are negatively impacting my credit score. I requested that these inquiries be investigated and removed. I am willing to provide identification or supporting documents as needed XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing several unauthorized credit inquiries that appear on my credit report. I did not apply for credit with these companies, nor did I grant anyone permission to access my credit profile. These inquiries were made without my knowledge or consent, and they are negatively impacting my credit score. I requested that these inquiries be investigated and removed. I am willing to provide identification or supporting documents as needed XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CL Holdings LLC
State: PA

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint concerning Jefferson Capital Systems LLCs reporting of a collection account on my credit report. The account contains multiple inaccuracies that appear to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Details of the account : Creditor Name : Jefferson Capital Systems LLC Balance : {$250.00} Account Opened : XX/XX/year> Remarks : Placed for Collection ( duplicated ) Account Status : Open Reported as Original Creditor : Jefferson Capital Systems LLC Violations and Concerns 1. FCRA 607 ( b ) Failure to maintain accuracy and integrity.

The account is reported as Open but also Placed for Collection. These are contradictory and materially misleading.

2. FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate.

Jefferson Capital is listed as both collector and original creditor, which misrepresents the debts ownership.

3. FCRA 605 ( a ) Improper re-aging of account. 
The Opened date reflects the debt purchase date ( XX/XX/year> ) rather than the original Date of First Delinquency ( DOFD ), which unlawfully extends the reporting period.

4. FDCPA 807 ( 2 ) ( A ) False or misleading representation of a debts character, amount, or legal status.

Reporting as the original creditor when acting as a third-party collector misleads consumers and credit bureaus.

5. CDIA XXXX XXXX Reporting Guidelines Failure to use correct data fields.

The account is missing key indicators ( Account Type, Consumer Information Indicator ) and includes duplicate remarks, indicating noncompliance with standardized reporting rules.

Requested Resolution : Immediate correction or deletion of the inaccurate tradeline.

Written confirmation from Jefferson Capital Systems LLC verifying correction.

Enforcement review by CFPB for systemic noncompliance or misrepresentation.

Thank you for your attention to this matter and for ensuring the accuracy and fairness of consumer credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXXXX/XX/XXXX Date Opened XX/XX/XXXX - Balance {$3300.00} ACCOUNT NAME : XXXX XXXX #XX/XX/XXXX Date Opened XX/XX/XXXX - Balance {$9900.00} ACCOUNT NAME : XX/XX/XXXX Date Opened XXXX Balance {$430.00} UNAUTHORIZED INQUIRES : XX/XX/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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX  XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Cc : US Department of Education XXXX XXXX XXXX XXXX, NE XXXX I am writing to dispute inaccurate and misleading information that you have furnished to the consumer reporting agencies concerning my student loan tradelines referenced below. 

XXXX XXXX XXXX Accounts Account # XXXX * * * * This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX Guidelines, and Uniform Commercial Code ( UCC ). 
Violations identified include : 15 U.S.C. 1681e ( b ) : Furnishers must ensure information is accurate and complete. Reporting consumer disputes resolved when the dispute is ongoing misrepresents the status. 

15 U.S.C. 1681i : Furnishers must conduct a reasonable reinvestigation when a dispute is filed.

15 U.S.C. 1681c-2 : Inaccurate or unverifiable information must be blocked from reporting upon request. 

XXXX XXXX Compliance : Compliance Condition Codes must reflect correct dispute statuses ; inaccurate use of XC or continued reporting of dispute language after resolution is non-compliant. 

UCC 9-406 : Proof of assignment or lawful right to report must be established. 

Upon reviewing my credit report dated XX/XX/year>, I identified the following serious compliance violations : Your reports contain the notation dispute resolved consumer disagrees, which is an inaccurate description of the accounts status. This language continues to appear long after the dispute was filed and remains unresolved from my perspective. 

Date of Last Payment and Date Last Active are reported inconsistently across XXXX, XXXX, and XXXX, which directly violates the XXXX XXXX data standards requiring consistency of critical reporting fields. 

Reporting resolved when the dispute is still active constitutes misrepresentation under 15 U.S.C. 1681e ( b ) and 1681i. 

These errors have a materially adverse effect on my creditworthiness and violate your obligations as a furnisher under federal law. 

Accordingly, I hereby demand that you : Immediately conduct a comprehensive reinvestigation of all tradeline data related to the accounts listed above. 

Delete or permanently suppress any data that can not be verified with original documentation and correct all XXXX XXXX reporting fields. 

Cease reporting any consumer dispute language unless it accurately reflects the current dispute status. 

Provide me with written confirmation of the actions taken within 30 days as required by law. 

If these violations are not corrected, I reserve the right to pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), state regulators, and civil litigation for damages. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to TransUnion on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), TransUnion provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. TransUnion has therefore failed to conduct a reasonable reinvestigation as required by law. 
XXXX 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 non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
I do not accept or acknowledge the charges. 
I requested information regarding the collection and nothing was provided. This hit my husband and my credit and it it false and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XX/XX/XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC 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 XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXX ( XXXX ). According to, 15 U.S. CXX/XX/XXXXe XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXX/XX/XXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XX/XX/XXXX XX/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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX - XXXX XX/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 explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I am submitting this statement because the accounts listed below reflect inaccurate late payment reporting and inconsistent delinquency timelines, which may violate the Fair Credit Reporting Act ( FCRA ) provisions requiring accuracy and fair handling of consumer data. 
XXXX XXXX XXXX * Balance : {$6400.00} Date Opened : XX/XX/XXXX Date Last Active : XXXX 180 days XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, late 150 days XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} 180 days XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, late 150 days XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} The repeated and extended delinquencies reported on these accounts appear inconsistent with the original repayment history and may include duplicate or unverifiable late marks. Under FCRA 607 ( b ), credit reporting agencies must ensure maximum possible accuracy of all information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) states that data furnishers may not report information they know or reasonably should know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I am submitting this statement because the accounts listed below reflect inaccurate late payment reporting and inconsistent delinquency timelines, which may violate the Fair Credit Reporting Act ( FCRA ) provisions requiring accuracy and fair handling of consumer data. 
XXXX XXXX XXXX * Balance : {$6400.00} Date Opened : XX/XX/XXXX Date Last Active : XXXX 180 days XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, late 150 days XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} 180 days XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, late 150 days XX/XX/XXXX late 120 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late 90 days XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} The repeated and extended delinquencies reported on these accounts appear inconsistent with the original repayment history and may include duplicate or unverifiable late marks. Under FCRA 607 ( b ), credit reporting agencies must ensure maximum possible accuracy of all information. Additionally, FCRA 623 ( a ) ( 1 ) ( A ) states that data furnishers may not report information they know or reasonably should know is inaccurate.

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