vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
Equifax is reporting inaccurate and potentially unauthorized information on my credit report. 
XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/year> Balance : {$12000.00} The above account contains charges that I dispute, and I have not received proper documentation or validation from Equifax confirming the accuracy of this information. Despite my repeated requests, Equifax has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), and continues to report information that may be incomplete, incorrect, or unverifiable. This has caused harm to my credit profile and limited my financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Account # XXXX Alleged Balance : {$1100.00} Re : Account # XXXX Alleged Balance : {$1400.00} NOTICE OF DISPUTE & DEMAND FOR VALIDATION I am formally disputing the alleged debts listed above. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ), I demand full validation and investigation of these accounts. 

Validation Required Provide legible copies of the original signed contracts, the complete chain of assignment/ownership, and documentation proving your legal right to collect these debts. 

A bill, invoice, or generic statement does not constitute validation under federal law. 

Credit Reporting Obligations If you can not validate, you must immediately delete these tradelines from Experian, Equifax, and TransUnion. 

Reporting unverifiable or inaccurate information is a violation of 15 U.S.C. 1681s-2 ( b ).

Collection Activity Until full validation is provided, you are required to cease all collection activity in accordance with FDCPA 809 ( b ). 

Failure to provide proper validation within 30 days of receipt will result in a demand for deletion of these accounts from all credit files. Non-compliance will be escalated to the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages under both FDCPA and FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
This is a follow-up to my prior dispute because the same inaccurate and unlawful information remains on my credit file. I first noticed a closed XXXX XXXX account reporting late with a {$380.00} balance, which is misleading and unverifiable. I also found a {$12000.00} charge-off from XXXX XXXX XXXX XXXX no IRS Form 1099-C has ever been issued, its reporting is unlawful. Other charge-offs from XXXXXXXX XXXX XXXX XXXX XXXX XXXX appear obsolete and should have been removed under FCRA 605 ( a ). My report also shows fraudulent collections from XXXX, XXXX, and XXXX, which I have identified as identity theft. I submitted a theft report, yet they remain. Finally, there are unauthorized inquiries from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) with no permissible purpose. These errors continue to harm me, and I demand a proper reinvestigation and deletion in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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:
This is a follow-up to my prior dispute because the same inaccurate and unlawful information remains on my credit file. I first noticed a closed XXXX XXXX account reporting late with a {$380.00} balance, which is misleading and unverifiable. I also found a {$12000.00} charge-off from XXXX XXXX XXXX XXXX no IRS Form 1099-C has ever been issued, its reporting is unlawful. Other charge-offs from XXXXXXXX XXXX XXXX XXXX XXXX XXXX appear obsolete and should have been removed under FCRA 605 ( a ). My report also shows fraudulent collections from XXXX, XXXX, and XXXX, which I have identified as identity theft. I submitted a theft report, yet they remain. Finally, there are unauthorized inquiries from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) with no permissible purpose. These errors continue to harm me, and I demand a proper reinvestigation and deletion in compliance with the FCRA.

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 2025-09-08 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nationwide Mortgage Bankers, Inc.
State: NY

Complaint narrative:
In XXXX of XXXX  I was discussing with nationwide on my options on pre-approval. I did not sign any contracts. I did not sign any consent to have my credit pulled. 

On XX/XX/XXXX I received notice that I have a new credit inquiry. I did not sign any consent allowing them to pull a hard inquiry and I did not submit a formal application. On XX/XX/XXXX I asked them to remove the inquiry and they refused. I am looking to get this taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
This is a follow up regarding inaccurate accounts appearing on my credit file that do not belong to me. These accounts are the result of either identity theft or a mixed file error caused by someone with a similar name and/or address. The accounts in question are listed as late/closed and include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$10000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX  dated XX/XX/year>, XXXX  XXXX  dated XX/XX/year>, XXXX XXXX XXXX XXXX dated XX/XX/year>, and XXXX XXXX XXXX dated XX/XX/year>. These entries are not mine and are causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I got an ad through XXXX XXXX that Im pre-approved for Capital One card ( XXXX ) with {$300.00} in bonuses when I spend {$300.00} in the first XXXX months. 

I applied and got approved, they sent me the card, I called them to get more details about the promo and they said NO you card doesnt come with that promo, I told them that is totally misleading and Im not going to let it be. 
So please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX XXXX involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TomoCredit Inc.
State: TX

Complaint narrative:
I am not satisfied with the companys response because it is false misleading and does not address any of the real issues in my complaint. TomoCredit claimed in their response that I requested to cancel my account which I never did at any time. There is no record anywhere of me ever asking to close my account and in fact my emails to the company show the opposite I repeatedly asked when my card would be reactivated and why it was no longer reporting to the credit bureaus. Their statement that I canceled is a complete fabrication designed to avoid dealing with the truth. By submitting this false statement Tomo not only misrepresented me but also misled the CFPB which demonstrates bad faith and an attempt to dodge accountability. 

My original complaint was that Tomo froze my account without any notice or explanation, falsely promised multiple times in writing that credit reporting would continue when it did not, ignored my appeal of a late payment they wrongly marked against me, and failed to provide meaningful customer service through either phone or email. None of those issues were addressed in their response. Instead they inserted a false cancellation claim and then closed the matter which shows that they take no responsibility for the harm they caused. This is not only deceptive but also deeply unprofessional for a financial institution that is required to provide accurate information to regulators. 

Their actions have damaged my credit, caused financial stress, and wasted my time as I have had to pursue multiple complaints just to get answers. I request that the CFPB keep this case on record as unresolved and investigate TomoCredits pattern of false statements, failure to provide accurate reporting, and refusal to engage with legitimate consumer concerns. The company should be compelled to produce accurate account records including call recordings and correspondence and be held accountable for providing a dishonest response to a federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To : Equifax, Experian, Transunion Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-o amount {$880.00}, {$590.00}, {$380.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 

Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including ling a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

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 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Complaint Against : Experian Information Solutions , Inc .

Issue : Improper credit reporting / failure to correct errors Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct. # XXXX ) Summary : I am disputing an XXXX XXXX XXXX  XXXX charge-off that Experian continues to report with a {$5100.00} balance. Both XXXX  and XXXX  have deleted this account from my reports, which demonstrates that the account is unverifiable and inaccurate. Despite repeated disputes, Experian continues to report it, violating my rights under the Fair Credit Reporting Act ( 15 U.S.C. 607 ( b ) & 611 ( a ) ).

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-08 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: MI

Complaint narrative:
I sent Experian my FTC report and my license. I have fraudulent accounts reporting o my consumer report.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to formally dispute and file a complaint regarding an account that has been wrongfully placed in collections under my name. 
Collection was reported on XX/XX/year>, under the name National Credit Systems for XXXX XXXX XXXX in the amount of {$1200.00} This debt is being reported inaccurately because I was never notified of any outstanding balance before it was placed in collections. The last I communication regarding any balanced owed or due was on XX/XX/XXXX regarding my balance in the amount of {$490.00}. I have receipted payment of this amount paid in full on XX/XX/year>. 

This wrongful charge has negatively affected my credit and caused undue stress. I request that the debt be immediately investigated, corrected, and removed from collections and my credit report. 

I am more than happy to proved my supporting documents. 

I respectfully request written communication of the results of your investigation and the corrective action taken. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

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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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a credit balance on the credit card of {$16.00}, please send me a check of that amount.

Company response to consumer: Closed with monetary relief