vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX  Date : XX/XX/year> To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Subject : Formal Dispute of All Charges Vehicle Repossession ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX To Whom It May Concern, This letter serves as my formal dispute of all charges and reporting associated with an alleged vehicle repossession originally with XXXX XXXX XXXX, now being handled or reported by Jefferson Capital Systems. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically Sections 609 ( a ) and 611 ( a ).

I do not recognize or accept the validity of this account, the repossession, or any remaining balance or deficiency allegedly owed. I hereby request that Jefferson Capital Systems cease reporting this account and provide full verification and documentation substantiating every detail of the debt and the repossession process, including but not limited to : XXXX A copy of the original signed contract between myself and XXXX XXXX XXXX. 

XXXX Proof of lawful assignment or transfer of the debt from XXXX XXXX XXXX to Jefferson Capital. 

XXXX Documentation of the repossession process, including : Default notices sent to me Opportunity to cure the default ( as required under state/federal law ) Notice of intent to repossess Repossession date and method Post-sale accounting showing how the balance was calculated XXXX Validation of the full amount you claim I owe, including an itemized breakdown of any alleged fees, interest, or charges added after the repossession. 

XXXX Evidence that you are legally authorized to collect and report on this debt. 

Under FCRA 611 ( a ), you are required to investigate this dispute within 30 days and delete any unverifiable, inaccurate, or incomplete information. If you can not fully validate and verify this debt with legal documentation, you are obligated to immediately remove the account and all associated derogatory information from my credit reports with all reporting agencies. 
If you continue to report inaccurate, incomplete, or unverified information after this notice, it will be considered a willful violation of the FCRA, and I will pursue all available remedies, including complaints to the CFPB, FTC, and potentially filing legal action for damages. 
Please treat this matter with urgency. I expect a full response and resolution within the legally mandated XXXX window. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ) and the protections afforded to identity theft victims under federal law. I have submitted an official Identity Theft Report through the FTC ( Report Number : XXXX, dated XX/XX/XXXX ) which outlines fraudulent XXXX XXXX XXXX accounts that were opened in my name without my consent. 

Despite prior disputes and removals, two fraudulent XXXX XXXX XXXXXXXX XXXX XXXX accounts have been reinserted into my credit report without the legally required notice or justification. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days, along with the name of the furnisher of that information. I never received such a notice.

The fraudulent accounts are as follows : 1. XXXX XXXX XXXXXXXX Account : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX 2. XXXX XXXX XXXXXXXX Account : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX These accounts are the result of identity theft and are documented in my FTC Identity Theft Report. I have also identified inaccurate personal and employment information being reported, including variations of my name and an unfamiliar employer, 1X1 Moving.

Legal Violations : FCRA 611 ( a ) ( 5 ) ( B ) : Failure to notify of reinsertion of previously deleted information.

FCRA 605B : Duty to block information resulting from identity theft when provided with a police report or identity theft report.

FCRA 623 ( a ) ( 6 ) : Furnishers of information must not report information they know or have reason to know is the result of identity theft.

Requested Resolution : 1. Immediate and permanent removal of both fraudulent XXXX  XXXX XXXX accounts from my credit file. 
2. Full investigation into how these accounts were reinserted without proper notification.

3. Written confirmation that these accounts will not reappear unless proper verification under FCRA is completed.

4. A copy of any documentation submitted by XXXX  XXXX XXXX that allegedly verifies the legitimacy of these accounts, if applicable. 

Please find attached my FTC Identity Theft Report as evidence. I respectfully request your assistance in holding the credit bureaus and furnishers accountable for violating my consumer rights. I am also in the process of filing complaints with the credit bureaus and the furnisher directly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Representative, I am filing this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ) and the protections afforded to identity theft victims under federal law. I have submitted an official Identity Theft Report through the FTC ( Report Number : XXXX, dated XX/XX/XXXX ) which outlines fraudulent XXXX XXXX XXXX accounts that were opened in my name without my consent. 

Despite prior disputes and removals, two fraudulent XXXX XXXX XXXXXXXX XXXX XXXX accounts have been reinserted into my credit report without the legally required notice or justification. This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ), which mandates that if a previously deleted item is reinserted, the consumer must be notified within five business days, along with the name of the furnisher of that information. I never received such a notice.

The fraudulent accounts are as follows : 1. XXXX XXXX XXXXXXXX Account : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX 2. XXXX XXXX XXXXXXXX Account : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX These accounts are the result of identity theft and are documented in my FTC Identity Theft Report. I have also identified inaccurate personal and employment information being reported, including variations of my name and an unfamiliar employer, 1X1 Moving.

Legal Violations : FCRA 611 ( a ) ( 5 ) ( B ) : Failure to notify of reinsertion of previously deleted information.

FCRA 605B : Duty to block information resulting from identity theft when provided with a police report or identity theft report.

FCRA 623 ( a ) ( 6 ) : Furnishers of information must not report information they know or have reason to know is the result of identity theft.

Requested Resolution : 1. Immediate and permanent removal of both fraudulent XXXX  XXXX XXXX accounts from my credit file. 
2. Full investigation into how these accounts were reinserted without proper notification.

3. Written confirmation that these accounts will not reappear unless proper verification under FCRA is completed.

4. A copy of any documentation submitted by XXXX  XXXX XXXX that allegedly verifies the legitimacy of these accounts, if applicable. 

Please find attached my FTC Identity Theft Report as evidence. I respectfully request your assistance in holding the credit bureaus and furnishers accountable for violating my consumer rights. I am also in the process of filing complaints with the credit bureaus and the furnisher directly. 

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 2025-07-09 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 submitting this complaint with complete certainty and growing frustration. My credit report contains numerous errors that are now impossible to ignore, as they continue to damage my credit standing and prevent me from achieving financial stability.

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 2025-07-10 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 2025-07-10 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:
I was utterly shocked and devastated upon discovering inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OK

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureaus to dispute these inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: DC

Complaint narrative:
My loan is currently in a zero-interest forbearance. Despite that, my loans were charged interest. I brought this to the attention of EdFinancial, and they acknowledged the error and that the interest would be removed from my account. That was 9 months ago, and still nothing has been done to my account. 

The forbearance is about to end, so I do not want to actually have to pay for interest I should not have been charged. 

For reference, I have attached my correspondence with the company, where they acknowledge their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 am filing this complaint because both my Equifax and Experian credit report lists a XXXX  XXXX bankruptcy filed on XX/XX/year>. However, the report does not include the full court name or district that filed it- it only says 'US DIST CT ' without specifying which District Court handled my case. I requested that Equifax verify this bankruptcy directly with the source, but they have not provided any proof of the specific court record. Under the FCRA, all information must be completed and verifiable. Since this public record does not clearly identify the filing court, I am requesting that the CFPB assist me in having Equifax either verify this information directly with Specific District Court or remove it from my credit report immediately if they can not verify it.

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 2025-07-09 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: TX

Complaint narrative:
I have thoroughly reviewed my credit reports from the three major credit bureausTransUnion, Experian, and Equifaxand have identified several serious issues. While TransUnion and Experian list accounts that are inaccurately reported, outdated, or unverifiable, my Equifax report fails to display any credit score or account information at all. These problems are significantly harming my credit profile and do not accurately represent my true credit history. 

Despite my previous efforts to resolve these matters directly with the credit bureaus, I have yet to receive proper validation, verification, or correction of the disputed items. The following concerns remain unresolved : Multiple charge-off accounts are being reported without proper validation or supporting documentation. 

Duplicate accounts appear across different bureaus, often showing inconsistent statuses or balances. 

Accounts that were paid off, settled, or are currently in good standing are still being reported with delinquent or late payment histories. 

Unfamiliar accounts are listed that I did not authorize and that do not match any of my known credit activity. 

One or more accounts are marked as dispute resolved consumer disagrees, yet no documentation or evidence was provided to support this resolution. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I have submitted formal disputes, but have not received a satisfactory resolution or the removal of unverifiable accounts. The ongoing inaccuracies, along with the absence of my Equifax credit score and report, are obstructing my ability to qualify for vital financial services, including housing and auto financing. 

I am requesting a prompt and thorough reinvestigation of these matters and a full correction in compliance with federal law.

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