vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: CO

Complaint narrative:
I am writing as a consumer to formally dispute several items on my Equifax credit report. I have identified inaccuracies that I request be investigated and corrected. 

1. Previous Addresses : The following addresses are incorrectly listed on my Equifax report : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX addresses are no longer accurate and should be removed or corrected. 

2. Charged-Off Accounts : The following accounts are reported as charged-off, and I dispute their accuracy or request verification : 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 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  Please verify these accounts and provide documentation proving their accuracy. 

3. Inquiries : I dispute the following inquiries as unauthorized or inaccurate : XXXX XXXX XXXX XXXXXX/XX/XXXX 4. Late Payments : XXXX XXXX, Account ending XXXXXXXX XXXX XXXX XXXX XXXX  reported late. Please verify accuracy or correct as necessary. 

I request that Equifax investigate these items promptly and update my report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am a consumer requesting corrections to inaccurate information on my TransUnion credit report. 

Previous Addresses : [ No addresses listed for TU ; include if applicable ] Previous Names : [ No names listed for TU ; include if applicable ] Charged-Off 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 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 explanation
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
My credit report shows several inquiries that I do not recognize. I did not give these companies permission to pull my credit report, nor did I apply for anything with them. I take my rights as a consumer seriously, and seeing unauthorized access to my personal information is extremely stressful, especially with everything else I am dealing with in my life right now.

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 2025-12-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-09 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: TX

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-12-09 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: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Jefferson Capital Systems. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Jefferson Capital Systems is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Jefferson Capital Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my 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 non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year> Creditor Name : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/year> Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reported Late Payments : XX/XX/year> Creditor Name : XXXX/XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I do not acknowledge this account as mine in any capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX  XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account No XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Inquiries : XXXX  Date : 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my 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 non-monetary relief
Consumer complaint received 2025-12-09 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: SC

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

Charged-Off Accounts in Dispute I am disputing the accuracy and validity of the following charged-off accounts reported by Equifax. I am requesting verification, including original creditor documentation. If Equifax can not verify these accounts with proper records, I request deletion : XXXX Acct # XXXX Reported XX/XX/XXXX {$25000.00} DP OF EDUC Acct # XXXX Reported XX/XX/XXXX {$2300.00} DP OF EDUC Acct # XXXX Reported XX/XX/XXXX {$5100.00} DP OF EDUC Acct # XXXX Reported XX/XX/XXXX {$5100.00} DP OF EDUC Acct # XXXX Reported XX/XX/XXXX {$4000.00} DP OF EDUC Acct # XXXX Reported XX/XX/XXXX {$4000.00} XXXX XXXX  Acct # XXXX Reported XX/XX/XXXX {$2700.00} Some of these appear extremely old and may be outdated under FCRA reporting limits. I am requesting a full investigation.

2. Hard Inquiry Disputes These Equifax inquiries are not recognized or I did not authorize them. I request removal unless Equifax can show permissible purpose : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 3. Late Payment Reporting I dispute the accuracy of the following late payments. I am requesting proper verification because I do not believe these late marks are accurate : XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX Acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/XXXX, I attempted to make payments on my credit card. The account I was using ( the same I have always used ) was also hacked so they closed the account and blocked outgoing transactions. Once I received my new card, I made my payments again. Citibank then charged me 2 {$30.00} return check fee charges, totaling {$60.00} in fees because the payment couldn't go through when my account was hacked. I tried calling the company, even attempted to speak with a supervisor, and they decided that this was a valid way to treat a long term consumer.

This is stealing, this is money that I NEED as a single mother to feed my XXXX XXXX XXXX XXXX, and instead it's going into the bank owner 's pocket. I am disgusted.

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 2025-12-09 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 am unaffiliated with these accounts ; they must be taken down within 15 days according to USC 1681g.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I am filing this complaint against Early Warning Services regarding their failure to conduct a reasonable reinvestigation of disputed information, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. On or before XX/XX/year>, I received a dispute result from Early Warning ( Case ID : XXXX ) regarding an account furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Account # : XXXX. Early Warning stated that the " reinvestigation into the accuracy of the reported information has been completed '' and determined the file to be " accurate and complete ''. I reject this finding. The information reported is factually inaccurate. Early Warning failed to ensure " maximum possible accuracy '' as required by 15 U.S.C. 1681e ( b ). Instead of conducting an independent and reasonable review of the evidence, Early Warning appears to have merely verified the data with the furnisher, XXXX XXXX XXXX XXXX, without sufficient investigation into the actual errors I disputed. Because the initial investigation was insufficient, I have formally requested that Early Warning assign a new and impartial investigator to my case, as the previous investigator failed to correct the error. They have refused to remove the disputed information from my file. I am requesting the CFPB 's assistance to enforce my rights under the FCRA, as Early Warning is knowingly reporting inaccurate information that harms my consumer standing. 2. Desired Resolution ( Copy and Paste ) : I am requesting the following actions to resolve this matter : Immediate Deletion : Early Warning must immediately DELETE the inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account ( Account # : XXXX ) from my consumer report. New Investigation : If deletion is not immediate, I demand a new, independent reinvestigation by a NEW investigator who was not involved in the original decision ( Case ID XXXX ). Proof of Correction : Early Warning must provide me with a corrected copy of my consumer report showing the deletion of this item. 3. Your Personal Information ( Verify on Form ) : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX Dispute Case ID : XXXX

Company response to consumer: Closed with explanation