vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX  XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), TransUnion paid {$23.00} XXXX after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
I recently reviewed my credit report and found an inquiry that I do not recognize. I have never applied to or interacted with this company, nor did I authorize or give consent for them to access my credit report. Discovering this has caused me a great deal of stress and anxiety, as it feels like a violation of my privacy and consumer 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 2025-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: MOHELA
State: FL

Complaint narrative:
I contacted Mohela to request a disaster-related adjustment for my student loan account after my home, car, belongings, etc, were destroyed in hurricane XXXX, a FEMA declared disaster. My account was eligible for disaster forbearance or relief meanwhile I made the payments for the following dates and amounts, the account has remained negatively impacting my credit score. 

XXXX {$150.00} XXXX {$390.00} XXXX {$78.00} The request I submitted was entered incorrectly by the MOHELA representative which caused my account to remain in regular repayment status, Because of this internal error, my loan was and has been reported past due to the credit bureaus, negatively impacting my credit score. Ultimately hindering me from being able to purchase a new vehicle because my vehicle got totaled out from salt water damage. 

On XXXX I spoke with XXXX at MOHELA ( XXXXXXXX XXXX XXXXXXXX ), a " credit supervisor '' ... XXXX confirmed the error and assured me that the correction would be processed and my credit would be updated to reflect the disaster hardship and be confirmed via their internal inbox within 7 business days. 

The confirmation came through with NO adjustments to the account. My credit reports continue to show late payments. I am requesting that CFPB assist in ensuring MOHELA corrects this error and updates my account accordingly.. 

Thanks, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC

Complaint narrative:
Jefferson Capital Systems , LLC is unlawfully reporting and attempting to collect an alleged debt that was already canceled and deleted by the original creditor, XXXX XXXX. I never received the required written notice within five days of their initial communication, in violation of FDCPA 1692g ( a ). I formally disputed this account multiple times in writing, attaching proof, but Jefferson Capital failed to provide any verification or response within the 30day timeframe mandated by FCRA 611 ( 15 U.S.C. 1681i ). They continue to report the account as accurate without substantiation. 

The original creditor has already resolved and deleted this account following my FCRA 1681 dispute and 26 U.S.C. 6050P 1099C cancellation request. Once a 1099C is filed or a tradeline is deleted, the debt is no longer legally collectible. By purchasing and attempting to collect or report this extinguished debt, Jefferson Capital is in violation of FDCPA 807 ( 2 ) ( A ) ( false representation of legal status ), FDCPA 1692f ( unfair means ), and FCRA 623 ( a ) ( 1 ) ( A ) ( reporting information known to be inaccurate ). 

This account has been disputed repeatedly, yet Jefferson Capital continues to report it as accurate. Their failure to verify, combined with continued reporting, has reduced my credit score, harmed my reputation, and caused financial and emotional distress. I request that the CFPB require Jefferson Capital Systems to : ( 1 ) immediately cease all collection activity, ( 2 ) delete all negative tradelines from XXXX, XXXX, and XXXX, and ( 3 ) provide written confirmation of these actions.

Attachments include screenshots of XXXX XXXX deletions and my prior dispute letters, which prove Jefferson Capital had 30 days to respond but failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-16 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I received a debt notification from LVNV Funding LLC stating that I owed {$1700.00} to XXXX XXXX XXXX  who is the original creditor for and XXXX XXXXXXXX XXXX XXXX. The issue that I have is that it was not an XXXX XXXX credit card that I had through XXXX XXXX XXXX  I believe it was a master card, when XXXX XXXXXXXX XXXX stopped contacting me I was then contacted by LVNV Funding saying that they had acquired my debt. It showed up on my credit report and when they stopped sending my letters I was served papers by XXXX XXXX XXXX stating that they are now trying to collect my debt on behalf of LVNV and the documentation that was with me being served listed all the times the original debt had changed hands from XXXX XXXX XXXX. There were court fees that have been added to the original debt now and the total went from {$1700.00} to {$2000.00}. This debt is old and was reported wrong from the start as it was not an XXXX XXXX credit card and LVNV purchased the debt from XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-16 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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

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 2025-10-16 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: CT

Complaint narrative:
Formal Demand for Immediate Deletion of Unverified Accounts Due to Security Breach and Identity Compromise. To Whom It May Concern, This letter serves as a formal and urgent dispute under the Fair Credit Reporting Act ( FCRA ) Section 609 ( a ) ( 1 ) ( A ). I am demanding the immediate deletion of the accounts listed below unless you can provide verifiable proofspecifically, the original signed consumer contracts bearing my signature. Due to the recent TransUnion security breach, my personal information has been compromised. As a result, I have reason to believe that fraudulent accounts may have been added to my credit report without my authorization. Your failure to safeguard consumer data has directly impacted my financial standing and exposed me to identity theft. Let me be clear : I will not tolerate the continued reporting of unverified, potentially fraudulent accounts. If you can not produce the original signed contracts for the accounts listed below, you are legally obligated to delete them immediately. Disputed Accounts : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Unverified account Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Additionally, I demand the removal of all non-account holding inquiries over 30 days old and request that you place a Promotional Suppression on my credit file to prevent further unauthorized access. You have 30 days to comply with this request. Failure to do so will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I am prepared to pursue legal action to hold TransUnion accountable for its negligence and failure to protect my data. Enclosed are copies of my identification and proof of address. I expect a written response confirming the deletion or verification of each disputed item. Sincerely, 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 2025-10-16 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: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-10-16 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: FL

Complaint narrative:
It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$1000.00} for damages if you fail to remove this item immediate- ly, as it is causing me significant harm and distress. 
I demand that you take immediate action and rectify this issue promptly. Any delay or inaction on your part will be considered a deliberate attempt to violate my consumer rights and will not be tolerated. 
I do not expect to receive a verification of the item in question as it is abundantly clear that it is in violation of the law. I demand that you send me an updated copy of my consumer report once the disputed item has been removed. 
I trust that you will take this matter seriously and resolve it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint because all three major credit reporting companiesXXXX XXXX  and XXXX  are reporting a charge-off account from Capital One with the following details : CAPITAL ONE - XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$11000.00}. XXXX XXXX  This reporting appears to be inaccurate, incomplete, and unverifiable, and I am requesting a formal debt validation and reinvestigation directly from the credit reporting companies as required by federal law. Despite previous disputes submitted through official channels, I have not received any meaningful documentation that verifies this debt. The only responses I have received were generic statements asserting that the account was verified, yet no original signed agreement, complete payment history, or record of lawful ownership transfer was ever provided. 

Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), the credit reporting agencies are legally required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit file. This reinvestigation must include the review of all relevant documentation, not merely automated data exchange or confirmation from a furnisher that the account appears valid. The law demands accuracynot assumption. Furthermore, 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain the maximum possible accuracy in their records. Continuing to report a charge-off that lacks verified documentation violates that legal standard. 

Additionally, because this involves a charged-off account, 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) is also relevant. Although the bureaus themselves are not debt collectors, any entity furnishing a charged-off debt for reporting purposes must be able to produce validation upon consumer request. That validation includes the original signed credit agreement, complete account history, itemized statement showing how the balance was calculated, and proof that the debt was legally assigned or transferred to the reporting entity. To date, none of this has been provided. 

The continued reporting of this accountwithout proof of authenticityhas caused ongoing harm to my financial reputation. It has negatively affected my creditworthiness, increased my borrowing costs, and created deep emotional frustration from having to repeatedly prove my innocence in a system that should prioritize accuracy and fairness. It is unacceptable that a debt allegedly charged off nearly a decade ago continues to appear without a single piece of verifiable documentation supporting its existence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I recently obtained a copy of my credit report from XXXX  ( dated XX/XX/year>XXXX  ) and discovered several accounts that appear to contain inaccurate, inconsistent, or unverifiable information. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a formal reinvestigation of the following items. 

Accounts in Dispute Dept. of Education / XXXX Reported inconsistently as 120 days past due ( TransUnion ) and 180 days past due ( Experian ). Loan was sold off and I was not informed or sent any letters. 

Please verify the correct delinquency length, dates, and balance amount. 

Requested Action : Correct or remove inaccurate late payment reporting. 

XXXX XXXX XXXX XXXX  Reported multiple times as 30 days past due. 

Discrepancies exist between bureaus regarding the number of late months. 

Requested Action : Verify full payment history or delete if unverifiable. 

XXXX XXXX XXXX Marked as charged off/ purchased by another lender though balance is {$0.00}. 

Possible duplicate or misreported ownership status. 

Requested Action : Update to show {$0.00} balance account closed/ transferred or delete if sold and no longer valid. 

XXXX XXXX Reported as charged off with a {$810.00} balance. 

Please confirm whether this is still owed, and ensure charge-off reporting is consistent across all bureaus. 

Requested Action : Verify accuracy or remove if paid/ settled. 

XXXX XXXX XXXX Reported differently by bureaus : paid for less than full balance ( Experian ) vs charge-off ( Equifax ) . 

Inconsistent reporting may harm creditworthiness. 

Requested Action : Update all bureaus to reflect the same Paid/ Settled in Full {$0.00} balance status. 

XXXX XXXX ( XXXX ) Account closed by grantor and previously 90 days past due. 

Please confirm accuracy of late payment dates and closure reason. 

Requested Action : Update to show Paid as Agreed/ Closed if verified current. 

My address is out of date and inaccurate, and my employer is out of date and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
THIS ACCOUNT IS INCORRECT AND MUST BE REMOVED AS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I am very frustrated to see that unauthorized inquiries are still appearing on my credit report today. I have no idea why they remain there, even after refreshing my browser. Please review the documents I sent right away and make sure this issue is permanently resolved.

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 2025-10-16 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: FL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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