vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: AZ

Complaint narrative:
It started with an online check of my reports and report was showing a delinquency. 30 days late. I was not aware that I had been placed by my son 5 years prior. To my knowledge I never noticed I had this account. It was listed as XXXX with my son. I decided I check into it and called XXXX XXXX tire somewhere near XXXX, XXXX. I told them that I would pay the balance of {$110.00}. That was agreed upon. So I went to the XXXXXXXX XXXX  website for XXXX XXXX and I paid it. My goal was to get the large amount off my credit report. It was just past 30 days late. It also said that the late payment was {$59.00}. The {$110.00} was jnterest and late fees. In good faith I did this. Upon following up with them I was glad to hear that they were going to correct it. Though she was not sure of the {$59.00}, being removed. I don't understand why.. I then submitted my first dispute. It was investigated and showed XXXX as accurate. Nothing removed or any notes. The credit reporting agencies, I know for a fact were made aware of this by myself. To save space here, Im condensing, Following this I submitted dispute after dispute, with Experian and XXXX XXXX. As of this date I have seen nothing reported on XXXX. To recap, I never received the paid off letter, no status of payment changed, all remained on there. When I called for status at XXXX I was met with a lot of animosity. This issue has had creditors deny me credit, deny a refinance on my home and XXXX has closed an account, because of the incorrect reporting. I have felt helpless and very angry. I do have a bank transaction page showing I paid this on XXXX XXXX, XXXX. I found it after submitting my last disputes. I tried to upload, but was not allowed to. I would appreciate your help. Im attaching it.

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 2025-08-24 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
To Whom It May Concern : This letter is a formal notice and final demand for validation of the above-referenced account. I dispute the accuracy and validity of this debt under my rights outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

1. Debt Validation Demand Within five ( 5 ) business days, you are required to provide all of the following : A copy of the original signed contract or agreement bearing my signature ; An itemized statement breaking down the total balance claimed ( principal, interest, fees, etc. ) ; A copy of the assignment contract or bill of sale between your company and the original creditor proving that you have the legal right to collect this alleged debt ; The name and full contact information of the original creditor ; Proof of licensing and authorization to collect debts in the state of Florida. 

A billing statement or internally generated document is not sufficient under federal law. 

XXXX. Cease and Desist Until and unless you provide full validation as required by federal law, you are hereby instructed to CEASE AND DESIST from any further collection activity, including reporting to credit bureaus, calling, or sending correspondence. 

XXXX. Legal Consequences Failure to comply with this request will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) ; Complaints with the Florida Attorney General, Federal Trade Commission ( FTC ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Consideration of legal action for violations of FDCPA and FCRA, which may include monetary damages, court costs, and attorneys fees.

If you can not fully validate this account within five ( 5 ) business days, this debt must be removed from all credit bureaus immediately and collection efforts must cease permanently. 

A mere billing statement, screen print, or verification from your own records does not satisfy federal requirements. If you can not supply the documentation above within five ( 5 ) business days, you must : Cease all collection activity, Delete this account from every consumer-reporting agency ( XXXX XXXX XXXX ) , and Provide written confirmation to me that the account has been removed.

You have been formally notified. Please govern yourself accordingly. 

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 2025-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Date : XX/XX/year> I am writing to formally notify you of a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), regarding your repeated telephone calls concerning an alleged debt of {$180.00}.

I previously advised your company to cease communication with me via repeated telephone calls. Despite this clear notice, your company has continued to contact me in violation of federal law. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector to cease further communication, the collector must stop except for limited statutory exceptions. Your continued calls are unlawful and constitute harassment. 

I demand that your company immediately : XXXX. Cease and desist from all further telephone communication with me. 
XXXX. Limit any further necessary correspondence to written communication only. 
XXXX. Provide written confirmation within XXXX  days that you have complied with this demand. 

Failure to comply with this request will leave me no choice but to report your conduct to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General for further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-24 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Received a letter by mail that a checking was open at Santander Bank with my name and address. I did not open an account with this bank.

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 2025-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
XXXX'I received Transworld Systems, Inc. (TSI) initial collection letter dated XXXX XXXX XXXX  with a response deadline of XXXX XXXX XXXX for XXXX XXXX XXXX (Acct XXXX; XXXX). I timely disputed in writing on XXXX XXXX XXXX  via USPS Certified Mail (tracking XXXX XXXX XXXX XXXX XXXX XXXX) and requested validation. Without mailing any validation, TSI sent additional collection letters, including one dated XXXX XXXX XXXX  (received after my dispute) and another dated XXXX XXXX XXXX. Continuing collection after a timely written dispute appears to violate FDCPA 1692g(b) (must cease collection until validation is mailed). I request that TSI pause collection, mail full validation (itemized charges & dates of service; proof I am legally responsible; insurance/EOB history; calculation of XXXX; proof of assignment), and delete or mark as disputed any credit furnishing. I also request written confirmation. I asked to correspond via email to save time going to the post office while they send automated letters. This is an asymmetrical burden to me. My request went unanswered.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: UT

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my credit reports that is inaccurate, fraudulent, and unverifiable. 
Account Number ( as reported ) : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2025 Balance Reported : {$1600.00} Original Creditor : XXXX  I have no knowledge of this account and never entered into any agreement with Jefferson Capital Systems or XXXX. This account is either the result of identity theft or has been improperly sold/assigned without my consent. 

Despite disputes filed with XXXX  and XXXX, Jefferson Capital continues to furnish this derogatory account, damaging my creditworthiness and violating federal law. 



Violations of Consumer Protection Laws Jefferson Capital Systems is in violation of : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or should be known to be inaccurate.

FCRA 605B : Failure to block fraudulent tradelines after notice of identity theft. 
FDCPA 809 ( 15 U.S.C. 1692g ) : Failure to provide full debt validation ( no signed contracts, assignment records, or payment history ).

FDCPA 805 ( 15 U.S.C. 1692c ) : Continuing collection activity after dispute. 



Cease & Desist Demand This complaint also serves as a formal cease and desist in perpetuity. Jefferson Capital Systems must : XXXX. Immediately stop reporting and collecting on this account. 
XXXX. Permanently delete the tradeline from XXXX XXXX and XXXX 
XXXX. Provide written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: NJ

Complaint narrative:
There is an account that does not belong to me Creditor Name is XXXX XXXX and the Account Number is 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 2025-08-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Cease and Desist / Dispute of Unauthorized Credit Inquiries From : XXXX XXXX XXXX Bath Court XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Cc : Capital One Auto Finance P.O. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute & Cease and Desist Removal of Unauthorized Credit Inquiries To Whom It May Concern, This letter serves as my formal dispute and cease-and-desist request regarding unauthorized and negative credit inquiries that are currently being reported on my consumer credit file. 

The disputed inquiries are as follows : Creditor/Business : Capital One Auto Finance Business Type : Auto Financing Companies Inquiry Dates to Be Removed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX I did not authorize these inquiries, nor was any written consent or permissible purpose provided as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The continued reporting of these inquiries is inaccurate, misleading, and damaging to my credit profile. 

DEMANDS Immediate Removal All unauthorized and negative inquiries listed above must be permanently deleted from my credit file. 

Verification of Authorization Provide documented proof that I granted written authorization for these inquiries. If no such proof exists, they must be deleted immediately. 

Cease and Desist Capital One Auto Finance, and any other entity reporting unauthorized inquiries, are hereby directed to cease and desist from making or reporting inquiries without my express written consent. 

Written Confirmation Provide me with written confirmation that these inquiries have been removed and that no further unauthorized inquiries will be made in my name. 

NOTICE Failure to comply will constitute willful noncompliance with the FCRA. If this matter is not resolved within XXXX  days, I will escalate by filing complaints with the FTC, state regulators, and may pursue civil damages under federal law. 

I expect written confirmation of removal and compliance within the time allowed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
b'Listed below are the Inquiries that are being challenged\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nPlease verify that this inquiry is reporting accurately on my report now!\n\nI trust this message finds you well. I am writing to address a matter concerning my account with XXXX XXXX XXXX and its corresponding XXXX. During a recent review of my credit report, I have come across an unauthorized inquiry. Under the provisions of the Fair Credit Reporting Act, it is imperative to ensure that my personal information remains protected, and access is granted solely with proper authorization. \n\nI kindly request your assistance in providing documented justification for the aforementioned inquiry. Your prompt attention to this concern is highly appreciated, and I believe that together, we can ensure the accuracy and integrity of my credit 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 explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cannon & Cannon Firm PC
State: UT

Complaint narrative:
b'I was sent a letter saying theu were going to take me to court I called the courts found out there was a judgment entered back In XXXX  case number XXXX\nThe company name is XXXX XXXX XXXX phone XXXX XXXX XXXX they sent out a demand wanting my finacial info told me I had XXXX  days I received it well past their XXXX  day mark according to the date on the letter again theybwont awnser phones'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: OH

Complaint narrative:
American Express ( AMEX ) did not honor their late fee grace period for my XXXX XXXXXXXX XXXX XXXX. I was charged a {$29.00} late fee on XXXX XXXX, 2025, eventhough I made a {$40.00} payment on my account the next day. 

I called AMEX on XX/XX/scrub> 2025, and spoke with a representative named XXXX and a manager named XXXX, who gave me the following reference number : XXXX. XXXX said that he would submit a request to have the {$29.00} late fee credited back into my account. Then he said that he could not because I carried a balance on my account. However, my account is up to date. 

I told XXXX that he should know that card holders will carry a balance when they used their cards. That is the reason why consumers have credit cards. Furthermore, I have always made my monthly payments, whenever I used my card and carried a balance. 

XXXX said that although AMEX does have a grace period, and can credit the {$29.00} late fee back into my account, the company doesn't have to honor their own policy. When I asked XXXX to send me a PDF copy of our chat and AMEX 's late fee waiver policy, he said that I would have to have a subpoena to receive it. 

Then, I asked to speak to a manager and XXXX entered the chat. He agreed that AMEX does have a grace period for late fees but the company does not have to honor their own policy. However, he would not send me a PDF of our chat. Additionally, in regards to my complaint, he gave me the following reference number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SERVICEMAC, LLC
State: TN

Complaint narrative:
I refinanced and ServiceMac is the company who took over existing mortgage. I have never had any issues until switching to this company. I have made numerous attempts to contact this company and find out why they won't accept my payments when the money is physically in my bank account. This has resulted in my credit score being lowered, " missed payments '' for XXXX, XXXX, and XXXX, and several late fees piled up as well as a fee for every single reversal they have made. When making an attempt to contact this company, it has been a different person every time. This company told me to contact my bank so I did however, the bank told me they can not see anything on their side and to contact my mortgage company. Nothing is being done. This has affected my family of XXXX and I will be forced to take legal 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 non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been denied multiple checking accounts because Bank of America reported fraud supposedly and it had a balance attached to it which I paid off but they would not tell me when such fraud occured even when I was incarcerated during 2021 and had no access to the account to commit fraud! They just keep telling me that they can not provide any details

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 monetary relief