vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
On my credit report dated XX/XX/year> ( Report Number XXXX ), the furnisher XXXX  XXXX was deleted from both XXXX  and XXXX  as a result of my dispute. 
On my new credit report dated XX/XX/year> ( Report Number XXXX ), the same furnisher XXXX XXXXXXXX has been reinserted into my XXXX  and XXXX  XXXX files. 
This reinsertion occurred without any written notice to me from either bureau within the required XXXX business days, which is a direct violation of FCRA 611 ( a ) ( XXXX ) ( B ). 
Under FCRA 611 ( a ) ( XXXX ) ( A ), once disputed information is deleted, the credit bureau is forbidden from reinserting it unless the furnisher provides a formal certification of accuracy. If reinsertion occurs, the bureau must notify me in writing within XXXX business days. 
I received no notice, and therefore this reinsertion is unlawful. 
This improper reinsertion has negatively impacted my XXXX XXXX and my ability to obtain credit. I am requesting immediate regulatory intervention because this is a clear FCRA violation by both XXXX  and 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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
XX/XX/year> American Express XXXX. XXXX XXXX XXXX XXXX, TX XXXX Re : Account Number ending in XXXX To Whom It May Concern, I am writing regarding the repeated collection calls I have received stating that my account is XXXX month past due. While I acknowledge the delinquency, I want to make it perfectly clear that American Express has been fully aware of my financial difficulties for more than XXXX months and has refused to offer any meaningful hardship assistance despite my repeated requests. 
Since early XX/XX/year>, I have contacted your company no fewer than XXXX or XXXX times each time asking for a temporary reduced payment plan, interest-rate reduction, or any other hardship program that would allow me to bring the account current and remain a customer in good standing. On every occasion I was told, in essence, There is nothing available for you at this time. 
Because you declined to work with me, I have been unable to make the full minimum payment. 
Despite your refusal to help, I have continued to demonstrate good faith by sending whatever I could afford. I have made partial payments totaling $ XXXX, total of partial payments youve made since the difficulty began, and I will continue making ongoing monthly payments of {$100.00} {$200.00} whichever I can manage in any given month until the balance is paid in full. 
Your continued collection calls are unnecessary and unproductive. You already know why the account is behind you were given multiple opportunities to prevent this situation and chose not to do so. I am committed to repaying the debt, but I will do so on the only terms currently possible for me : {$100.00} {$200.00} per month. 
If American Express decides at any point to offer a realistic hardship program, a lower interest rate, or an affordable repayment plan, I remain willing to discuss it. Until then, please update your records to reflect that I am making regular good-faith payments and cease the collection calls. 
I am keeping detailed records of all payments and all prior communications with your representatives. 
Sincerely, XXXX XXXX Account Number ending in XXXX I am sending this letter electronically with American Express chat and also will be sent certified mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA Ph : XXXX has been reporting an account that is not mine for over three years. Account numbers on this item are inconsistent and impossible to research. This is a violation of the FCRA. I have repeatedly tried to dispute this account with no resolve. This issue is hindering me from moving forward in my business affairs. This negative mark does not belong to me. My name is unique and has been misspelled many times due to scammers getting my information. As a fraud victim, I am pleading to get over this process as it has taken years to resolve.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
DEBT VALIDATION DEMAND ( Full Federal Consumer Law Invocation ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/year> To Whom It May Concern : Lets streamline this engagement : Im initiating a formal compliance checkpoint under federal consumer law. Before anyone talks collections, reporting, or pressure tactics, Im requiring full validation of the alleged debt connected to account XXXXXXXX XXXX XXXX 
Under 15 U.S.C. 1692g ( b ) of the FDCPA, all collection activity must pause until you deliver complete validation not summaries, not screenshots, but actual source-level documentation.

Provide the following, with precision and completeness : 1. Proof of Ownership & Authority - The original contract, lease, or agreement bearing my signature. - Full chain of assignment from the original creditor to XXXX XXXX XXXX. - Evidence that you have the legal right to collect in the State of Texas. 
2. Itemized Accounting - A complete breakdown showing principal, interest, late fees, collection fees, and any other charges. - A full payment history from the start of the account.

3. Original Creditor Details Required under 1692g ( a ) ( 5 ) : - Name, address, and verification from the original creditor. - Proof this account is correctly attributed to me.

4. FCRA Compliance Requirements If you have reported, are reporting, or plan to report this account, your obligations under the FCRA include : - 602 ( A ) Information must be accurate. - 607 ( b ) You must maintain procedures ensuring maximum accuracy. - 623 ( a ) ( 3 ) You may not furnish data you know or should know is inaccurate. - 609 ( a ) ( 1 ) I am entitled to all data youve furnished to any credit bureau. - 611 You must investigate disputes properly. If you can not validate this debt with full documentation, you must delete the account from all credit bureaus immediately.

5. Cease Collection Activity Per 1692g ( b ), until proper validation is supplied, you must cease : - Calling - Emailing - Mailing notices- Updating or reporting the account - Selling or transferring the account 6. CFPB Expectations All documentation must be : - Accurate - Complete - Verifiable - Derived from original source records 7. Timeline & Next Steps You have 30 days to deliver the required documentation. If you fail to comply or continue collection efforts without validation, I will escalate with formal complaints to : - The CFPB - The FTC - The Texas Attorney General and pursue all remedies available under FDCPA and FCRA. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off.

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I am writing to formally dispute the presence of multiple unauthorized hard inquiries appearing on my credit report, as reflected in the most recent report issued by the 3 bureaus. After carefully reviewing my file, I identified several inquiries that were made without my knowledge, authorization, or any permissible purpose.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
XXXX repeatedly reports incorrect information about an old account to credit reporting, each time with different incorrect information. Status of account was never late and they keep changing it from 30 to 90 to 120 days late at different months. XXXX has already admitted it erred the status of my account and failed to send out critical communications, as well as had website errors that prevented consumers from logging in, in addition to not sharing required written correspondence. I repeatedly contest this with credit agencies and they just change it to other, also incorrect, information.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This bank continues to report when the status said closed. This is a violation of my FCRA rights. Now there is an increase from {$95.00} that was reported and now it is XXXX. This company is reporting false information on my credit reports and I have asked that this account be removed from my credit report for years and it continues to be reported. This company is a fraud and continues to report without any validation of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 submitting a follow up on a previous dispute concerning an items on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt.I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX not reported in TU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX not reported in TU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX not repoted in TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX not reported in TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX not reported in EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX reported in TU XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor ; XXXX XXXX Balance Owed : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX reported in EQ and TU XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$680.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: UT

Complaint narrative:
This debt is being reported/collected in error. I attended XXXX XXXX XXXX XXXX ). The Department of Education cancelled these loans due to the schools misconduct. This debt no longer exists and I do not owe it. Please investigate and stop the improper collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: OK

Complaint narrative:
I disputed multiple alleged credit card debts and requested full validation under FDCPA 1692g ( b ). My Debt Validation Letters were delivered to the collectors, including Halsted Financial Services, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ( XXXX ). 

Despite confirmed delivery of my dispute, several collectors continued to pursue collection without providing any validation. This is illegal continued collection activity after a dispute. 

Timeline of violations : My Debt Validation Letter to the XXXXHalsted chain was delivered on XX/XX/year> ( XXXX tracking confirmed ) XXXX 
Later that same day, Halsted Financial emailed me demanding payment, stating they were now managing your account, and offering settlement options. 
Halsted continued sending payment-demand text messages after the dispute, including threats such as make your payment before your account is returned to our client. 
XXXX XXXX XXXX ( XXXX ) received my DV letter on XX/XX/year>, yet sent a settlement-demand email on XX/XX/year>. 
All agencies involved failed to provide validation and continued to collect, which is a direct violation of FDCPA 1692g ( b ), 1692e, and 1692f. 

These companies are attempting to collect debts they have not validated, and they are legally prohibited from continuing collection activity until validation is provided. They have also communicated using multiple channels ( text, email ) after being notified of the dispute. 

I am requesting the CFPB to investigate these companies for unlawful collection practices, stop all collection activity, and require deletion of any negative credit reporting associated with these unvalidated debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
On XXXX I was at XXXX XXXX ( store # XXXX ) between XXXX. I was there with my XXXX children and we purchased 3 bags of XXXX candy. We went to a self checkout near the pharmacy & I paid the {$57.00} and some change on my XXXX XXXX XXXX XXXX That's it... then we left. The next week I was reviewing my Scheels credit card statement as I had just paid it off so I wanted to see how many points I had. That is when I noticed a balance of {$350.00}. I called Scheels and filed a fraud report letting them know that I didn't authorize this. They asked if the card was stolen and I told them no it was not. They stated that they showed the card was in store for that purchase. I let them know that I was at XXXX that day & I was in the store. I also had my purse with me, which had my Scheels card in it. However, I only used my XXXXXXXX XXXX XXXX XXXX that day for {$57.00}. I did receive a letter from Scheels stating they were investigating. I had not heard anything in awhile, so I decided to call them today to get a status, XXXX. I was transferred to the fraud department and was told that it was denied because the car was present and not stolen. I was then told to contact XXXX. I reached out to them today, XXXX and they made notes of everything, but I'm not sure what they can do. They did look at this specific store on this date and said that there were NO charges for {$350.00}. I tried calling Scheels fraud department back, was transferred to several different people, had to explain everything to each one & was basically told that it was denied and closed.

Company response to consumer: Closed with explanation