vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally request the deletion of the following accounts from my credit report : Jefferson Capital LLC XXXX XXXX Jefferson Capital LLC XXXX XXXX Jefferson Capital XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), your agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, if an item of information is found to be inaccurate or can not be verified after a reinvestigation, it must be promptly deleted or modified. 

Given that I believe these accounts are inaccurate or unverifiable, I request that your agency conduct a reinvestigation of these items. If, after the reinvestigation, the accounts are found to be inaccurate or can not be verified, I request that they be promptly deleted from my credit report, as required by law. Please also promptly notify the furnishers of this information of any modifications or deletions made as a result of your reinvestigation. 

Enclosed are copies of supporting documents for your review. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these accounts have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-27 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: NY

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$230.00} Inquiries XXXX Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year>

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 2025-05-27 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: NY

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$230.00} Inquiries XXXX Date : XX/XX/year>XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: VA

Complaint narrative:
I recently reviewed my credit report and identified an inaccuracy regarding my XXXX XXXX account. It reflects a late payment for XX/XX/year>XXXX  ; however, this payment was made on time. It is essential that consumer reporting agencies provide information that is entirely accurate. This account has consistently been paid on time and has no history of late payments. 

For your reference, I have attached a copy of my credit report dated to this complaint on XX/XX/year>. I respectfully request that you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your attention to this matter and prompt action.

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc
State: IL

Complaint narrative:
Subject : Formal Dispute XXXX XXXX XXXX XXXX XXXX XXXX ( Reporting Inaccurate and Unlawful Collection Activity ) Dear XXXX, I am writing to formally dispute a collections account reported to XXXX  by XXXX XXXX XXXX, acting on behalf of XXXX XXXX ( California ). This account is being falsely reported as a debt I owe, I have no contract with this company XXXX provide me an original signed contract if this can't be provided REMOVE THIS ACCOUNT IMMEDIATELY I have with XXXX/. to collect on this debt and I am asserting that it is being reported in violation of multiple federal laws including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Regulation F under the Consumer Financial Protection Bureau ( CFPB ). 



Reasons for Dispute and Legal Violations : 1. No Contract or Agreement I have no contract or agreement with XXXX XXXX XXXX. I did not authorize XXXX XXXX to share my personal data with XXXX, and I have no legal obligation to communicate or pay XXXX. 

2. Unlawful Communication Attempts XXXX stated in previous correspondence that they attempted to reach me via phone, email, and text messages, including after hours, which is a direct violation of federal communication laws : FDCPA 15 U.S.C. 1692c ( a ) ( 1 ) : Prohibits communication at inconvenient times ( typically before XXXX XXXX or after XXXX XXXX ). 

FDCPA 15 U.S.C. 1692c ( c ) : Prohibits further communication once the consumer has revoked consent.

3. No Right to Collect XXXX purchased this debt and is attempting to collect without my consent. If the debt has been discharged, XXXX should have issued a 1099-C form, which I have not received. Attempting to collect a paid or discharged debt violates multiple laws. 

4. Unauthorized Settlement Offers XXXX attempted to negotiate a settlement directly with me without permission, which is both unauthorized and misleading under the FDCPA : FDCPA 15 U.S.C. 1692e ( 10 ) : Use of false or deceptive means to collect a debt. 

Regulation F 12 CFR 1006.34 ( a ) ( 1 ) : Requires a validation notice before collection efforts, including offers to settle. it's been stated one was sent to me I have yet to receive 5. No Validation of Debt XXXX  failed to provide proper validation under the FDCPA and Regulation F : FDCPA 15 U.S.C. 1692g ( b ) : Debt collectors must cease collection Thank You, 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding Credit Karmas refusal to update my legal name on their platform, despite my repeated efforts and full compliance with their documentation requirements. 

I legally changed my name and have already updated it with the XXXX XXXX XXXX and on my government-issued ID. I contacted Credit Karma to request that they update my account to reflect my correct legal name. As requested, I submitted a copy of my government-issued ID and Social Security card , both showing my current legal name. 

Despite providing this documentation, Credit Karma has refused to update my account. Their support team has not given a clear or valid reason for this refusal, nor have they offered any alternative solution. This failure to update my name has caused confusion and concern, especially as Credit Karma continues to pull and report credit information under a name that is no longer legally mine. 

I am concerned that this may impact the accuracy of my credit file and hinder my ability to manage my financial accounts effectively. I believe I have made every reasonable effort to work with Credit Karma, and I am now requesting assistance from the CFPB to resolve this matter. 

I am seeking that Credit Karma update my name in their system in accordance with the legal documentation I have provided and that they ensure all associated credit reporting is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
. The balance listed on these charged-off accounts are inaccurate. The information being reported is showing as charged off for each month starting XXXX and XXXX of XXXX, which is incorrect and not permitted. Charging off does NOT happen on a reoccurring monthly basis, so the information is not only inaccurate but also misreported, which are violations of my consumer rights ; refer to 15 U.S.C. 1681. Please note, I have never received any communication regarding the said debt or charge-off status. The creditors have also violated my right to be informed about the debt balance.

Should the creditors not take my complaints seriously this time I am fully prepared to pursue legal action against them for statutory damages/violating my rights as a consumer protected under law.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 non-monetary relief
Consumer complaint received 2025-05-27 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: NJ

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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 non-monetary relief
Consumer complaint received 2025-05-27 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:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX  Date : XX/XX/year>

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 2025-05-27 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 have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date XXXX XX/XX/year> XXXX XXXX  Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. My personal information has been compromised through XXXX data breach, XXXX data breach. Please REMOVE and BLOCK this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. The fraudulent credit card accounts are as follows : XXXX XXXX, XXXX, XXXX XXXX. Collections I do not owe : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$800.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) {$490.00}. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. 

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 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I applied for a personal loan through XXXX XXXX and XXXX XXXX used a third party to send my application to multiple creditors. All the applications got denied due to unlawful qualifications based upon there on companys policies and not abiding by my consumer rights I contacted them hoping they would fix there mistake but they have not. Each bank that was sent a application are the following XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX Bank they actually sent two applications with XXXXXXXX XXXX and XXXX XXXX XXXX as far as I know of.

Company response to consumer: Closed with explanation