vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: NV

Complaint narrative:
Under 15 U.S. Code 1681g, you are obligated to remove these disputed accounts within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: PA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital Systems Failure to Validate Debt & Improper Credit Reporting I am filing a complaint against Jefferson Capital Systems regarding an alleged debt account [ # XXXX ]. 

On [ XX/XX/year> ], I sent Jefferson Capital a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. My request was delivered via certified mail on [ XX/XX/year> ]. To date, Jefferson Capital has failed to provide : Documentation from the original creditor establishing the debt, A complete payment history, or Proof of ownership or assignment of the debt. 

Despite this, Jefferson Capital continues to report this account to the credit reporting agencies. Reporting unverifiable information violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ).

I am requesting that the CFPB investigate this matter and require Jefferson Capital Systems to : 1. Provide proper validation of the alleged debt, OR 2. Delete the account from all credit reporting agencies and cease collection activities.

I have attached copies of my dispute letters, proof of delivery, and credit report entries reflecting continued reporting.

Requested Resolution : Immediate deletion of the unverified account from my credit report, and Assurance that Jefferson Capital will cease further collection attempts without proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The XXXX  of my XXXX  was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I called Experian when I was denied a HELOC due to a mismatch on my Date of Birth versus my Social Security number. They have my MOTHER 's DOB attached to my Social. I was instructed to upload my Driver 's license. I did so -- - and ADDITIONALLY uploaded my Mother 's to prove the error. I was told it would be corrected. I have a brain injury and needed help with this -- - I struggle with computers, but I was able to get a family member to help me. THEY HAVE NOT MADE THIS CORRECTION and I can't get past the phone que to talk to anyone. I continue to be denied a loan that I am well qualified for. PLEASE investigate EXPERIANs process for handling corrections of incorrect personal information. Particularly for the 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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Exto Inc.
State: LA

Complaint narrative:
Summary of the Issue XXXX XX/XX/XXXX, I transferred {$100.00} from my personal bank account into my Atlas Rewards credit card account. Since then, I have been completely unable to access or retrieve my own funds. 

Details Atlas initially requested a bank statement to verify my account. I have XXXX banks linked to my Atlas account, but Atlas did not specify which banks statement was needed. I promptly sent the statement from the bank where the transfer originated. Atlas later clarified they wanted the other banks statement, which I also promptly provided. 

Despite complying with all requests, I subsequently received an email stating : We reached out XXXX days ago with a decision regarding your case. Please note that this decision has already been reviewed and is final. 

However, I never received any prior notification about a decision. The only response I now receive from Atlas is that my issue is being escalated, but no one will tell me how to get my {$100.00} back or explain why my money is being withheld. 

Yesterday, I finally received this reply : We understand your frustration and regret that this has been your experience. Please note that we are unable to share specific details of the review process, but we can confirm that you did not pass our verification requirements. The decision regarding your account is final and can not be reversed. 

Atlas has effectively frozen my funds without a clear explanation or process for return. I have been having this account since XX/XX/XXXX. I completed an identity verification when opening this account in XXXX, and now all of a sudden that I finally put money in the account they restrict it and cant tell me why. I also tried to close the account lastnight but it does not allow me to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: OH

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-09-18 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-09-18 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
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. 

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 List of Unauthorized Inquiries : XXXX  - XXXX 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 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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX was my loan the car was paid in full due to purchasing another vehicle. A certified letter came over a month and a half after the car loan was paid in full. I called XXXX they admitted the problem. Gave me instructions and nothing happened. I disputed the error through experian. And it was wiped clean. And fixed but still showing on credit score and XXXX will do nothing. It is affecting my credit negatively when we pay our bills and they are so behind made an error. I need this late payment off of all of my credit scores. I am desperate at this point having XXXX children and needing a loan and this is hindering me and not my error. It is causing hardship to me mental health and family. Please help me. My husband is suffering joint on the account and struggling as well

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 2025-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX Reporting Body : I dispute XXXX account ]. Transfers/servicer changes caused duplicate and conflicting entries, violating FCRA 607 ( b ). Under 611 ( a ) I request verification with the signed promissory note ( s ), full payment history, and accurate status coding. If unverifiable or duplicative, delete per 1681i ( a ) ( 5 ) ( 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 non-monetary relief
Consumer complaint received 2025-09-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filed a dispute on XX/XX/25 with Experian on my previous auto lease account with XXXX XXXX XXXX, because there was negative information on my credit report that states ( charged off/ never late ) outstanding balance of {$700.00}. XXXX XXXX XXXX in return sent page XXXX, and page XXXX of our lease agreement. These documents only show the terms of the lease no validation of any debt was provided, yet the credit reporting agency continues to report the information without full history of the debt, including the original creditor and any judgments or assignments.

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 2025-09-18 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Issue Type : Debt Collection Communication tactics/ Debt not validated Company : National Credit Systems , Inc . 

Complaint : I am filing this complaint against National Credit Systems ( NCS ) for violating the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed an alleged account with NCS ( Account XXXX XXXXXXXX, balance {$5600.00} ) and sent them multiple certified debt validation requests beginning in [ insert month/year ]. Despite receiving these certified letters ( proof of mailing enclosed ), NCS has never provided any validation of the debt. 

Despite their failure to respond, they have continued to report this account negatively to the credit bureaus, which also constitutes a violation of the Fair Credit Reporting Act ( FCRA ) because they are reporting unverifiable information.

Requested Resolution : Immediate deletion of the NCS account from all credit bureaus. 

Written confirmation that collection activity will cease permanently. 

Investigation into NCSs pattern of ignoring consumer validation requests.

Attachments to upload : Certified mail receipts to NCS Copies of your letters to NCS Screenshots/credit report pages showing the account is still reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
There was a credit card transfer from Barclays jet blue to XXXX XXXX XXXX on XX/XX/year>. 
In the amount of {$4900.00} dollars. I was notified in XXXX of this. 
I called Barclays fraudulent dept to notify them that this was not my doing. I spoke to 19 different people in the company including supervisors that I did not authorize this. I also contacted XXXX XXXX XXXX and let them know of this fraudulent charge. I asked for a statement from XXXX XXXX XXXX showing my current and past purchases with my account ( last XXXX numbers ) on the statement, and Barclays is still holding me responsible with late fees and interest charges. 
The XXXX  XXXX XXXX transfer is not my account number ( last XXXX ) .My account number is on the statement that XXXX XXXX XXXX sent to them. 
This has since ruined my credit score from an XXXX to a 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 2025-09-18 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: VA

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief