vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute and correct inaccuracies in my personal information listed on my credit report. These errors are causing unnecessary difficulties with my credit applications and need to be addressed promptly.

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 2025-08-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
I had a credit card with XXXX ( XXXX ), which was closed with the agreement of being placed into a repayment plan at an XXXX XXXX interest rate. Plan start date was XX/XX/XXXX with an end date of XX/XX/XXXX. Payments ( {$130.00} ) started in XX/XX/XXXX and were arranged to be auto-paid monthly on the XXXX. 

In XX/XX/XXXX, I had to change my checking account due to removing my XXXX from the account. A payment went through on my old checking account and was returned/declined. As part of that transition, I updated my repayment plan agreement with the new auto-payment checking account information with XXXX, and the XXXX was the new auto-payment plan date. Since this transition early last summer, I have remained current with the repayment agreement. 

* I was not charged late fees ( since XX/XX/XXXX ). 
* I was never contacted by XXXX for delinquency -- instead I get letters thanking me for my payment. 
* There are discrepancies between the Transunion and Equifax reports ( including not including payments made, not taking into account payment arrangement started in XX/XX/XXXX -- yet still past due in XXXX XXXX??? ) Despite this, and previous disputes, this account is reporting as XXXX days late on my credit reports. I believe this reporting is INACCURATE and MISLEADING under FCRA, as it does not reflect the reality of my continued compliance with the repayment agreement. I am being penalized for a XXXX system constraint.

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 2025-08-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XX/XX/year> Home Depot XXXX XXXX Department P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Urgent Resolution Required for Fraudulent Account Activity To Whom It May Concern, I am writing to formally address a critical issue regarding fraudulent activity associated with my Home Depot credit card account Ending in : XXXX, which has severely impacted my credit and overall financial well-being. 

On XX/XX/year>, I was alerted to fraudulent charges made on a Home Depot credit card that I had previously closed. Home Depot was the first entity to contact me regarding this fraudulent activity, and I promptly reported that these transactions were unauthorized. Following this, I was issued a new credit card, which I never activated, as I had made it clear to your XXXX XXXX Department that I did not wish to maintain this account due to the ongoing fraudulent activity continuously occurring. I never had the opportunity to made a purchase either credit card. 

In XX/XX/year>, I spoke with a representative from your XXXX XXXX Department, who assured me that no further action would be taken against me regarding these fraudulent transactions. I am aware that Home Depot and the XXXX XXXX Department maintain a call log of our conversations, including the times I have reported this incident. I request that these logs be thoroughly reevaluated and investigated for accuracy. 

However, to my dismay, I have since received multiple letters indicating late payments and negative reports being filed with the three major credit bureaus. This situation is unacceptable and has negatively affected my credit rating and financial stability. 

I have attempted to resolve this matter through your customer service channels, but I have been met with automated responses and calls that disconnect without any resolution. This lack of support is deeply concerning and has left me with no choice but to escalate this issue. 

I demand that Home Depot take immediate action to rectify this situation by : 1. Closing my Home Depot account permanently, as previously requested.

2. Ensuring that all fraudulent charges are removed from my account records.

3. Contacting the three major credit bureaus ( XXXX, XXXX, and XXXX  ) to correct any negative reporting associated with this fraudulent activity. 

Failure to address this matter promptly will compel me to seek legal remedies and report this incident to the appropriate consumer protection agencies. I expect a written response to this letter within 14 days, confirming that these actions have been taken.

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 monetary relief
Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
My balance with XXXX XXXX XXXX XXXX XXXX  ) has been fully paid off since XX/XX/XXXX however they continue to list a balance of {$32.00} on my equifax report and XXXX  report ( which I checked via XXXX ) XXXX XXXX XXXX I tried fixing the issue via XXXX XXXX but that just resulted in a irrelevant note about variable interest without the balance being fixed ( interest doesn't apply to me since I pay my credit card debt as soon as the card allows ) Then I tried lodging a dispute directly with equifax but they also refused to fix the issue. 
So now I am trying to dispute via CFPB in hope you can both fix the issue and compel XXXX and the credit bureaus to timely update reports when balances have been paid off. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: CA

Complaint narrative:
I requested for account to be removed from my credit due to the fact that it was fraud I had then filed the FTC report and a handwritten letter as to why the account should be deleted the company then went and responded and said that it was accurate. I had reached out to the company multiple times and asked Trans Union to provide proof of the account in which they responded that they did not have to, nor was the company obligated to send them proof at the time of the account was stated I was sitting in Georgia XXXX XXXX I wasnt even in the state

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OK

Complaint narrative:
Jefferson Capital Systems is reporting a charged-off account on my credit reports and continuing to list it as an active derogatory collection. This is inaccurate, misleading, and damaging to my credit profile. If the original creditor already charged off this account and wrote it off as a loss, then Jefferson Capital has no legal right to continue reporting it as though it is active and collectible.

At no point did I enter into any agreement or sign any contract with Jefferson Capital Systems. I never provided written consent for my personal information, including my Social Security number, to be sold, transferred, or shared with them. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a furnisher is required to ensure that all information reported to the credit bureaus is accurate and verifiable. Jefferson Capital has failed to provide : Any original signed application or contract with my wet signature proving I opened this account.

Any documentation showing that I authorized the transfer of my personal information to Jefferson Capital Systems.

A proper chain of title or assignment documents showing legal ownership of this account.

Instead, Jefferson Capital continues to report this debt with inconsistent and damaging notations such as Collection/Chargeoff, Late 120 Days, and Consumer disputes account information. Reporting a debt as both charged off and actively derogatory is contradictory, confusing, and harmful. This practice appears designed to keep negative marks on my credit report indefinitely without producing the required proof.

As a debt buyer, Jefferson Capital is not the original creditor. They must provide validation and documentation when requested, under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ). Their failure to do so, while continuing to report to the bureaus, is a violation of federal law and a blatant abuse of consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've filed multiple bbb complaints and a complaint here. I'm supposed to be opted out. They continue to spam me incessantly. The new scam is sending me XXXX inducing emails claiming my score has changed which takes me to a page to pay for their useless services. The score is always only a point or two different. Every XXXX response is a copy paste irrelevant to my late. No one calls back from the number they gave me. I checked my profile today and they opted me back into ads. So they're literally spamming me more after opting out and complaining. 

They have been charged for this by the govt in the past and continue to do so. I told them to delete my account if necessary to stop it and they still won't stop.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK

Complaint narrative:
Millennium is illegally reporting a gym membership account as a collection/charge off. I never gave written consent for my personal information to be transferred to this agency. They have failed to provide any signed contract, agreement, or legally binding document showing I authorized Millennium to collect, transfer, or report my private account data.

The account is being reported as derogatory with a balance of {$240.00}, yet no supporting documentation has been presented. Under the Fair Credit Reporting Act ( FCRA ) 602 and 609, I have the right to see proof that the information is accurate, verified, and authorized. Reporting without proper validation is a violation of my consumer rights.

TransUnion states Account information disputed by consumer, meets FCRA requirements. That response is unacceptable and misleading. Meets FCRA is not proof. It is a blanket response used to stall consumers while still damaging credit. If Millennium has no wet signature, original application, or agreement from the gym explicitly transferring my account to them, then this account is inaccurate and must be deleted immediately. 

It is also deceptive to report this as both a charge off and a collection, as this creates double negative impact for a single alleged account. A charge off means it is uncollectible, so keeping it alive as a collection is unfair and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 a 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 XXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
I am filing this complaint regarding Caine & Weiner and XXXX for their unlawful and misleading reporting of a {$230.00} account on my credit file. This account is being reported as a derogatory collection/charge-off, despite the fact that no validation of the alleged debt has ever been provided to me. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 809 ( b ), once a consumer disputes a debt, the debt collector must cease all collection activity until proper validation is provided. Reporting to the credit bureaus is considered a collection activity under federal law. By continuing to furnish this account while I have an active dispute, Caine & Weiner is in direct violation of the FDCPA.

In addition, the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 requires all furnishers of information to ensure that
data reported to the credit bureaus is accurate and complete. Instead, my credit file shows Consumer disputes this account information yet the account continues to update monthly as derogatory. This creates ongoing harm and signals to potential lenders that I am refusing to pay, when in reality the debt has not been validated. This is an unfair and deceptive practice. 

Caine & Weiner has also failed to produce proof of assignment from XXXX, the alleged original creditor, showing they have legal ownership or collection rights to this account. Without such proof, they are reporting and collecting without authority, which is a violation of FDCPA 807 ( 2 ) ( A ) prohibiting false representation of a debts character or legal status.

Most importantly, I have never provided Caine & Weiner or XXXX with a signed authorization allowing them to transfer or furnish my personal information to third-party reporting agencies. Under FCRA 1681b, there must be a permissible purpose with my written consent for such data sharing. I demand strict proof of my wet signature where I agreed for my private information to be shared with Caine & Weiner and then reported to TransUnion, Experian, and Equifax as a derogatory collection. No such contract exists.

By continuing to report without validation, without proof of ownership, and without my consent, both Caine & Weiner and XXXX are willfully and negligently violating federal consumer protection laws and causing significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: MI

Complaint narrative:
Hey, this is XXXX XXXX. I looked at my Transunion credit report again on today XXXX XXXX after disputing with Transunion on XX/XX/year> and noticed some things are still incomplete and not accurate with account XXXX XXXX XXXX XXXX XXXX XXXX. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

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 2025-08-30 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. 
CREDIT COLLECTION SERV ACCOUNT # 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didn't follow the proper 5-steps validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I am disputing a hard inquiry on my credit report that I did not authorize. Please investigate and remove it immediately, as required under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Block, Inc. ( Cash App ) because my account has been frozen for over a week due to what they describe as a sanctions investigation. The flagged transaction was me splitting the cost of a XXXX XXXX bottle with my cousin in XXXX XXXX XXXX XXXX XXXX ), not in XXXX. This appears to be an automated keyword flag rather than an actual U.S. sanctions violation.

I have repeatedly informed Cash App that I am currently stranded in XXXX XXXX without access to my own funds. I have no money for food or transportation and have been forced to rely on credit cards to survive. I have clearly stated that I no longer wish to use their service and only want my funds released. 
Cash App refuses to provide any timeline or escalation path, stating that their sanctions team must complete an investigation first. I have offered to provide proof of my location, receipts, or any other documentation to clear this issue quickly, but I am receiving only generic responses. 
This delay has created severe financial hardship and safety concerns. I believe the investigation is unnecessarily prolonged and that my funds are being wrongfully withheld despite clear evidence that the transaction does not involve XXXX or any sanctioned party. 
I request that the CFPB require Cash App to : Escalate or expedite this review due to documented hardship. 
Release my funds immediately, or provide a specific legal reason why they can not. 
Provide a clear point of contact within their compliance or sanctions department. 
Dates range from : XX/XX/XXXX, XXXX XX/XX/scrub> XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
The company XXXX XXXX collecting on behalf of Jefferson Capital Corporation is using illegal spoofing tactics to obtain contact. They are using similar area code/exchanges that also include first and last name caller ids like XXXX XXXX XXXX This is deception communication practices. I have received numerous different caller id names from this company in the past two weeks. I have included screenshots in files below.

Company response to consumer: Closed with explanation