vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-01 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: NC

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up complaint regarding my Citi XXXX Preferred XXXX ( Case # XXXX ) to address additional critical details and unresolved concerns. 

On XX/XX/scrub> 2025, I made a substantial payment of approximately {$7000.00} toward my card balance. This payment is confirmed on my official Citibank statement. 

Despite this responsible payment, on XX/XX/year>2025, Citibank drastically lowered my credit limit from approximately {$7900.00} to {$970.00}, just two days after my payment posted. This sudden and significant credit limit reduction artificially inflated my credit utilization rate to nearly 98 %, misrepresenting my credit behavior and causing unfair harm to my credit profile. 

Before filing my initial complaint, I did not see any letters or notifications about these credit limit reductions in my online Citibank account portal. These letters only appeared after I filed my complaint with the CFPB. I was not notified in advance about this drastic reduction, nor did I receive any communication explaining the timing or rationale behind this decision before the limit being lowered. 

I see this letter in my account now, but it was dated two days after a substantial payment was posted, according to my XXXX statement, it clearly says my payment was made online on XX/XX/year>2025. I had no prior notice that such a drastic credit limit reduction was imminent. This timing resulted in inaccurate and misleading credit utilization reporting that does not reflect my responsible payment history. It is unfair to penalize me for not reading a notice that arrived after the impactful action was taken. 

Citibanks actions have effectively negated the positive impact of my payment and have caused damage to my creditworthiness through misleading credit reporting practices.

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and assist me in ensuring that Citibank : Corrects any adverse credit reporting tied solely to this post-payment credit limit reduction, Provides transparency regarding their credit limit adjustment practices, and Recognizes the negative impact this has had on my credit profile despite my responsible payment history. 

Thank you for your assistance.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
I refuse to pay the alleged debt, as I dispute its validity. This is not an admission of liability. You have 5 calendar days to remove this account from all credit reporting agencies. If you fail to do so, I will pursue legal remedies for violations of the Fair Credit Reporting Act ( FCRA ) and any other applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-01 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$180.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  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 2025-08-01 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:
Several accounts on my credit report are inaccurately reported, outdated, or unverifiable, despite previous disputes and requests for validation. For example, a XXXX XXXX account last verified in XX/XX/scrub> 2025 still reflects a negative status even though the balance is reported as {$0.00}, which is misleading and unjustified. Multiple XXXX  accounts are listed without any clear payment history or supporting documentation, raising concerns of duplication and unverifiability. A XXXX XXXX account has remained on file for months with no proper validation or original documentation provided. Other accountsincluding those from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXXshow serious discrepancies such as inconsistent balance reporting, lack of payment details, outdated status verifications, and continued derogatory classification despite the lack of accurate supporting records. Additionally, two hard inquiries from XXXX on XX/XX/scrub>, 2025, were not authorized and are not associated with any known applications. Despite prior disputes and legal obligations under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), these issues have not been resolved. I am now demanding that each of these items be fully validated with original documentation or removed entirely.

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 2025-08-01 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
Dear Sir or Madam, I am writing as a formal follow-up to my identity theft disputes submitted on XX/XX/year> and XX/XX/year> regarding unauthorized accounts and inquiries that appeared on my credit reports. 

You have already acknowledged and removed most of the fraudulent accounts as a result of those investigations. However, XXXX XXXX still remains on my credit report, along with several fraudulent inquiries associated with the original identity theft incident. This is both inaccurate and unfair. 

As previously submitted, I have : * Provided two separate identity theft affidavits * Submitted documentation proving I did not apply for or authorize any credit cards or loans * Included proof of data breach involvement, school status, and lack of employment or income at the time * Shown that only Self Lender and XXXX are legitimate accounts under my name Despite this, XXXX XXXX is still reporting, and the fraud-related inquiries remain unchanged. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and Section 605B, which entitles victims of identity theft to have all fraudulent accounts and inquiries removed and blocked from reappearing. 

This is my third request, and failure to act on confirmed identity theft reports constitutes willful noncompliance under the FCRA. 

Please consider this my final written request before legal escalation. 

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 2025-08-01 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: GA

Complaint narrative:
Dear Sir or Madam, I am writing as a formal follow-up to my identity theft disputes submitted on XX/XX/year> and XX/XX/year> regarding unauthorized accounts and inquiries that appeared on my credit reports. 

You have already acknowledged and removed most of the fraudulent accounts as a result of those investigations. However, XXXX XXXX still remains on my credit report, along with several fraudulent inquiries associated with the original identity theft incident. This is both inaccurate and unfair. 

As previously submitted, I have : * Provided two separate identity theft affidavits * Submitted documentation proving I did not apply for or authorize any credit cards or loans * Included proof of data breach involvement, school status, and lack of employment or income at the time * Shown that only XXXX XXXX and XXXX are legitimate accounts under my name Despite this, XXXX XXXX is still reporting, and the fraud-related inquiries remain unchanged. This violates my rights under the Fair Credit Reporting Act ( FCRA ) and Section 605B, which entitles victims of identity theft to have all fraudulent accounts and inquiries removed and blocked from reappearing.

This is my third request, and failure to act on confirmed identity theft reports constitutes willful noncompliance under the FCRA. 

Please consider this my final written request before legal escalation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-01 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-01 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: MD

Complaint narrative:
I am writing to dispute the inaccurate information reported on my credit report with Experian. I have previously submitted disputes regarding these inaccuracies, but they have not been corrected, which continues to affect my credit score and financial standing.

As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for failing to properly investigate consumer disputes and for reporting inaccurate information on credit reports. I am referencing this case as part of my ongoing dispute, as I believe that my situation falls under the same issues cited in the CFPBs action. 
I have already submitted multiple disputes regarding these inaccuracies, and they have yet to be corrected. This failure to address and resolve the discrepancies not only violates the Fair Credit Reporting Act ( FCRA ) but also directly impacts my ability to access credit, and in some cases, negatively affects my interest rates and loan opportunities.

As per the FCRA and as demonstrated in the CFPBs case against Experian, I request that you : Immediately investigate these disputes. You are required to conduct a reasonable investigation into the accuracy of the information and correct any inaccuracies within 30 days. 
Provide an update or resolution. Please notify me of the findings and actions taken with respect to my disputes. 
Remove any unverifiable or inaccurate information. If you can not verify the accuracy of the information in question, I request that you remove it from my credit report entirely. 
Additionally, please provide me with a written confirmation of the actions taken, including an updated copy of my credit report reflecting the corrections. 
I trust that you will resolve this matter promptly and in compliance with all applicable laws and regulations. 
Thank you for your attention to this matter. I look forward to your swift response.

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 2025-08-01 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital is in violation of federal law for accessing my credit report without any prior relationship, consent, or business transaction with me. This bad actor has also violated the Telephone Consumer Protection Act ( TCPA ) and FCC regulations by contacting me despite my number being listed on the XXXXXXXX XXXX XXXX XXXX XXXXXXXX. There was no opt-in, no prior notice, and no legal basis for soliciting me. 

I also disputed XXXX XXXX for attempting to re-age the same debt twicean illegal practice under the FCRA. They tried to bypass the original removal from my XXXX XXXXomplaint to the CFPB by resubmitting the same debt through XXXX XXXX without ever notifying me of a balance due. That entry was successfully removed from my credit report, and XXXX was already made aware of its resolution when I left their carrier. 

To now see the same debt charged off again and handed to a third-party collector who is actively violating federal communications laws is unacceptable. XXXX will be held equally accountable for facilitating this abuse through bad actors like Jefferson Capital. 

These actions are clear violations of the FCRA, TCPA, FCC guidelines, and consumer privacy rights. Your companies are not above reproachand you are not above the law. I am including all involved parties in this complaint to expose every violation and pursue full accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief