vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. 
Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-07-06 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: CA

Complaint narrative:
I submitted a detailed dispute to Equifax on XX/XX/year>, requesting the deletion of numerous unauthorized inquiries. These inquiries appear on my report despite there being no permissible purpose for them, as outlined in 15 U.S.C. 1681b. I contacted the creditors involved, and none were able to produce a signed application, written consent, or any documentation establishing lawful access. Equifax has not complied with its legal obligations under the FCRA or Regulation V ( 12 C.F.R. 1022.43 ). I requested a manual investigation, referencing Pintos v. Pacific Creditors Assn, Dennis v. BEH-1, and the 2025 CFPB enforcement action against Equifax. Equifaxs continued reporting of these inquiries despite lacking verification represents a negligent and willful violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
My rights are being violated in accordance to to confidentiality under 15 USC 1681 by the following companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please correct as this is the second time I am reporting along with sending hand written letters demanding explanation

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 2025-07-06 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: FL

Complaint narrative:
To Transunion and Experian : This serves as a formal dispute and legal demand concerning the unauthorized and illegal reinsertion of a repossession account reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn my credit file. 

This account was previously deleted, yet you have allowed it to be reinserted without providing the required legal notification under the Fair Credit Reporting Act ( FCRA ). 

Violations : 1. * * FCRA 1681i ( a ) ( 5 ) ( B ) * * You are required to provide written notice within 5 business days when a deleted item is reinserted. No such notice was provided.

2. * * FCRA 604 ( a ) ( 2 ) * * You are reporting information with * * no permissible purpose * * as the data furnisher has been sent a written * * revocation of consent * *.

3. * * GLBA 6802 * * My personal information is being shared without my consent, which is a privacy violation under federal law.

4. * * XXXX Statutes 501.204 * * The continued reporting of this tradeline after a clear revocation of authorization constitutes a deceptive and unfair trade practice.

This is not a standard dispute. This is a demand for compliance with federal and state laws. 
______________________ To XXXX XXXX XXXX  : This serves as an official * * Cease and Desist Notice * * regarding your continued and unauthorized sharing of my personal information with consumer reporting agencies.

I previously sent a written revocation of any consent to furnish or verify my personal information to TransUnion, Experian, or any third party. Despite this, you continue to verify and supply data regarding a * * repossession account * * that was previously deleted an act that is illegal under multiple federal and state laws.

You are in violation of : - FCRA 604 ( a ) ( 2 ) : * * No permissible purpose exists to share or verify this data.

- GLBA 6802 : * * You are unlawfully sharing personal data without authorization.

- FCRA 1681s-2 ( b ) : * * You failed to properly investigate and cease reporting after disputes. 
- XXXX Deceptive and Unfair Trade Practices Act ( XXXX Stat. 501.204 ) : * * Your continued reporting is a deceptive business practice.

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 2025-07-06 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 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 XX/XX/XXXX -- {$2400.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX 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 2025-07-06 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 -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
this is not my account i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CL Holdings LLC
State: NH

Complaint narrative:
DOCUMENTED FINANCIAL DESTRUCTION CAUSED BY JEFFERSON CAPITAL 'S PREDATORY PRACTICES * * My bank records provide irrefutable evidence of the systematic financial destruction Jefferson Capital 's illegal collection practices inflicted upon a vulnerable consumer. These objective financial documents, maintained by a neutral third-party institution, create an indisputable timeline of how this company 's unconscionable demands transformed financial difficulty into complete economic devastation. 

* * CONCRETE EVIDENCE OF IMMEDIATE FINANCIAL HARM : * * - XX/XX/year> : Jefferson Capital extraction of {$480.00} left account balance at {$170.00} - XX/XX/year> : Second extraction of {$240.00} reduced balance to {$19.00} - XX/XX/year> : Final extraction of {$240.00} left balance at {$76.00} These bank records demonstrate that Jefferson Capital systematically drained my accounts, leaving me with balances insufficient to cover basic living expenses. Each payment they demanded and extracted represents a violation of FDCPA provisions prohibiting collection practices that cause undue hardship to consumers. 

* * JEFFERSON CAPITAL 'S DELIBERATE AVOIDANCE OF LEGAL REQUIREMENTS : * * Despite extracting over {$970.00} from my accounts, Jefferson Capital deliberately failed to provide : - Proper debt validation documentation - Account numbers for verification - Payment receipts or confirmation - Any written communication establishing payment terms This pattern of operating without proper documentation while demanding payments that clearly exceeded my financial capacity demonstrates willful violation of federal debt collection laws. My bank statement stands as the only record of these transactions because Jefferson Capital deliberately avoided creating a paper trail that would document their illegal practices.

* * CAUSAL CONNECTION TO HOMELESSNESS : * * The financial devastation documented in my bank records directly caused my current unhoused status. Jefferson Capital 's refusal to negotiate payment terms that considered my obvious financial constraints, combined with their systematic depletion of my available funds, made it impossible to maintain housing stability. This represents exactly the kind of consumer harm that federal debt collection laws were designed to prevent. 

* * DEMAND FOR IMMEDIATE CFPB ENFORCEMENT : * * Jefferson Capital 's practices documented in my bank records demonstrate a business model built on financial exploitation of vulnerable consumers. Their systematic avoidance of legal documentation requirements while extracting payments that cause immediate hardship requires immediate enforcement action to prevent continued harm to other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Self Financial Inc.
State: TX

Complaint narrative:
I have requested back on XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX an account they are reporting to the credit bureaus. They received the letter on XX/XX/2025. I have tracked the letter and have not gotten any validation, they sold this so claimed debt to a XXXX party and still are reporting which is in violations of my rights under XXXX XXXX XXXX XXXX and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental wellbeing, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial wellbeing. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) COMENITYCAPITAL/ROSS Amount XXXX {$660.00} Date Opened:XXXX XXXX ) XXXX Amount : {$780.00} Date XXXX XXXX ) XXXX XXXX XXXX Amount : {$490.00} Date XXXX XXXX ) XXXX XXXX Amount : {$660.00} Date XXXX XXXX ) XXXX XXXX Amount : {$780.00} Date XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX INCORRECT NAMES LISTED : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX ) XXXX  XXXX FCU XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
I submitted a detailed dispute to Equifax on XX/XX/2025, requesting the deletion of numerous unauthorized inquiries. These inquiries appear on my report despite there being no permissible purpose for them, as outlined in 15 U.S.C. 1681b. I contacted the creditors involved, and none were able to produce a signed application, written consent, or any documentation establishing lawful access. Equifax has not complied with its legal obligations under the FCRA or Regulation V ( 12 C.F.R. 1022.43 ). I requested a manual investigation, referencing Pintos v. Pacific Creditors Assn, Dennis v. BEH-1, and the XXXX  CFPB enforcement action against Equifax. Equifaxs continued reporting of these inquiries despite lacking verification represents a negligent and willful violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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 am disputing XXXX XXXX XXXX accounts reported on my credit reports by Experian, Equifax, and TransUnion. Both accounts share the same partial account number ( XXXX ), identical credit limits ( {$300.00} ), similar charge-off balances ( {$410.00} and {$490.00} ), and nearly identical late payment history, including charge-offs up to XXXX days. 

These accounts appear to be duplicates of the same debt or were mistakenly reported as separate obligations. I only had XXXX XXXX XXXX credit card with those terms, and reporting both creates an unfair and misleading negative impact on my credit profile. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), inaccurate, duplicative, or unverifiable information must be investigated and corrected. I am requesting a thorough investigation and deletion of any duplicate or incorrectly reported account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing XXXX XXXX XXXX accounts reported on my credit reports by Experian, Equifax, and TransUnion. Both accounts share the same partial account number ( XXXX ), identical credit limits ( {$300.00} ), similar charge-off balances ( {$410.00} and {$490.00} ), and nearly identical late payment history, including charge-offs up to XXXX days. 

These accounts appear to be duplicates of the same debt or were mistakenly reported as separate obligations. I only had XXXX XXXX XXXX credit card with those terms, and reporting both creates an unfair and misleading negative impact on my credit profile. 

Under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), inaccurate, duplicative, or unverifiable information must be investigated and corrected. I am requesting a thorough investigation and deletion of any duplicate or incorrectly reported account.

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 2025-07-05 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: Kikoff Inc.
State: LA

Complaint narrative:
XXXX is reporting an account on my consumer report as a charged off account. They wrote this debt off as a loss with the irs but I never received a XXXX in order to write this off as income with my taxs. If the debt was already written off by the company as a loss then I need to receive my XXXX and have this false information deleted from my consumer report. If this account was charged off and I never received the XXXX than this is considered fraud. The company can not state they wrote this off as a loss to the XXXX and still list this account on my consumer report with a balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had a promotional offer on my Zales credit card to pay off a balance before a set date to avoid interest. I enrolled in auto-pay and assumed it was set to pay in full. Unfortunately, I had a {$350.00} balance at the end of the promo, and the lender charged me over {$1500.00} in retroactive interest. I was unaware until after the promo expired. I called multiple times and was told nothing could be done, even though I was enrolled in XXXX. I believe this is misleading, and I would like the interest waived or adjusted. 

I called XXXX times and got hung up on XXXX times when asked to speak to a XXXX. In the end they said there wasnt nothing they could do. This happened last month ( XXXX )

Company response to consumer: Closed with explanation