vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-06-30 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.
15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: FL

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 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 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 2025-06-30 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: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-06-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX of Caine & Weiner, a debt collection agency. A past-due car insurance payment from XXXX XXXX was mistakenly unpaid due to bills being sent to an old address. Upon receiving suspicious communications from Caine & Weiner, I directly contacted the original creditor ( the insurance provider ) to confirm the debt. I paid the full outstanding balance directly to the original company and received a receipt and confirmation from them. I informed the collector of the payment and provided written proof, including correspondence from the creditor. Despite this, XXXX XXXX continues to contact and harass me, now claiming that the payment I made was for a previous year ( XXXX ) under the same account, which is false. On XX/XX/XXXX, I issued a formal cease and desist letter via email. After receiving the cease and desist, Caine & Weiner violated the Fair Debt Collection Practices Act ( FDCPA ) by sending another email threatening legal action. This conduct is harassing, misleading, and in violation of my consumer rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
An XXXX XXXX XXXX CitiBank credit card was opened under my account without my knowledge. I created an accounts with XXXX, XXXX, and XXXX  to freeze my credit reports.

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 2025-06-30 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:
This is my third time I am requested to Experian and TransUnion to block and delete the reinserted fraudulent account. They removed it and again reinstalled it back to my Experian and TransUnion credit reports. I have not received any approve or any documentation that this fraudulent auto loan belongs to me. This is a violation of the Fair Credit Reporting Act. The XXXX XXXX XXXX - partial account no : XXXXXXXXXXXX XXXX XXXX XXXX XXXX is a fraudulent account and I request to all credit reporting agencies and creditor to block and delete this fraudulent information from my credit reports permanently and immediately.

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 2025-06-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, Equifax, Experian, and Transunion, violated the Fair Credit Reporting Act ( FCRA ), by refusing to provide to me the proof I made a {$5.00} payments on this account, payments that appear to be either incorrect or falsely reported to extend the reporting period beyond what is legally allowed. 
This practice violates the FCRA, specifically Section 605 ( c ), which prohibits re-aging of accounts or false updates that alter the date of first delinquency in order to prolong the reporting timeline. 

Send me the proof of these $ 5 monthly payment or delete that account.

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 2025-06-30 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: TomoCredit Inc.
State: VA

Complaint narrative:
I signed up for a TOMO card membership and paid the {$14.00} enrollment fee on XX/XX/year> with the understanding that I would receive access to a credit card and information about my credit limit. After enrolling, I received a welcome email, but I have not received any access to the virtual card or clear communication about my account status. 

I contacted TOMO support by email regarding my card status and never received a response. I also attempted to cancel my membership, but instead of processing the cancellation, I was redirected to credit counseling services, which I did not request or authorize. 

This process has been misleading, frustrating, and lacks transparency. I feel the company advertised a product that was not delivered, and their customer service has been non-responsive and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am writing to report that I am a victim of identity theft. I discovered that unauthorized and fraudulent accounts and inquiries have been reported on my credit file without my knowledge or consent. These accounts do not belong to me, and I did not open or authorize them.

The inaccurate information has negatively affected my credit score, caused financial hardship, and interfered with my ability to obtain credit, housing, and other essential services. I first became aware of the suspicious activity after reviewing my credit report and noticing unfamiliar accounts, hard inquiries, and collection items that I never applied for or used.

I have reason to believe that my personal information was compromised, possibly through a data breach or unauthorized access. I am in the process of disputing the inaccurate information with the credit reporting agencies and notifying the creditors involved.

I am requesting an immediate investigation, correction, and removal of all fraudulent accounts and information from my credit reports. I am also requesting a fraud alert or credit freeze be placed on my credit file to prevent any further damage.

Please accept this statement as part of my formal identity theft report. I am committed to cooperating fully with any investigations needed to resolve this matter.

Thank you for your time and assistance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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 previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 
Instructions : In compliance with FCRA, I am requesting that the negative accounts be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC purchased a charged-off loan from XXXX and paid for it on XX/XX/XXXX, yet I received no communication or validation notice until XX/XX/XXXX. This delay far exceeds the FDCPAs 5-day notice requirement following first contact. During this gap, Jefferson Capital had ample opportunity to contact me or update my credit fileyet failed to do so. I'm assuming, they were trying to gain interest on the amount. I also don't see where they got this owed amount from a year later. The original account appears on my credit report with the remark Paid profit and loss, which misleadingly implies that I personally paid off the debt. Even how Jefferson Capital is reporting on my credit the information is false. They can't be the " original creditor '' with an amount that was never agreed to if they brought it from another company. That's not logically possible. These practices constitute potential violations of both the FDCPA ( for delayed notice ) and the FCRA ( for misreporting payment origin ). I am requesting a full investigation into these practices and a correction of any credit reporting inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with Fair Credit Reporting Act. The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts # XXXX XXXX XXXXXXXX, has violated my rights. 
Account XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights Account XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXXXXXX XXXX XXXX  on XX/XX/year> and noticed information is incomplete and not accurate. Furthermore, as per the Fair Credit Reporting Act whenever a consumer credit reporting agency prepares consumer report its shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates to in accordance with 15 USC 1681 ( e ) ( b ).

And according to 15 U.S.C. 1681i ( a ) ( 5 ), if a consumer reporting agency ( CRA ) finds information in a consumer 's file to be inaccurate, incomplete, or unverifiable after reinvestigation, they must promptly delete or modify that information.This is specifically in reference to the treatment of inaccurate or unverifiable information that has been disputed by a consumer. 

Violations : - Providing collection information without original creditor information. 
- incorrect dates - incorrect balance - Inaccurate date open and closed date - No original contract provided with signature signed after investigation - listing multiple Creditor for same collection account for same creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
Notice of Legal Presumption of No Debt Pursuant to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; I am Identity Theft victim and I am concerned about certain unauthorized credit inquiries that have recently appeared on my credit report. II did not provide authorization for these inquiries. At no point have I granted my consent for any applications for credit, nor have I engaged in actions that would justify such inquiries into my credit history. The presence of these unauthorized inquiries on my credit report is having a negative affect on my financial standing and creditworthiness. 

Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
I was XXXX  and could not have done the things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I ASKED PENN CREDIT, XXXX XXXX XXXX TO PROVIDE PROOF WITH SIGNED SIGNATURE THAT I OWE PENN CREDIT CORPORATION {$140.00}. PENN CORP NEVER RESPONDED. I ASK FOR INFORMATION TO BE DELETED FROM MY CREDIT PROFILE, IT IS HARMFUL AND DAMAGING, FRAUDULENT TO MY CREDIT PROFILE, I DO NOT OWE PENN CREDIT CORP OR XXXX {$140.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section XXXX ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and Transunion data breach, which adds to my worries about the safety of my personal data.

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 2025-06-30 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

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