vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Via Certified Mail Return Receipt Requested Jefferson Capital Systems , LLC [ Address listed on your credit report or collector letter ] Re : Cease and Desist Alleged Account ( as reported to XXXX  ) To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that all communication from Jefferson Capital Systems , LLC cease immediately regarding the above-referenced account.

This includes, but is not limited to, phone calls, letters, emails, text messages, and contact with third parties.

You may only contact me to confirm : 1.That you will cease all collection efforts, or 2.That you intend to pursue a specific legal remedy permitted by law.

Any communication beyond what is allowed by statute will be documented and may result in complaints filed with the CFPB, FTC, and my State Attorney General, as well as civil action. 

This letter is not an acknowledgment of any debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-16 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: OH

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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Global Equity Finance, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I stupidly gave them my SSN for a credit check Guys are great scammers, text, reports all connected on both numbers and full of XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
I am submitting this complaint as a consumer who is actively working to repair my credit. After reviewing my Equifax credit report, I identified several charged-off accounts, inquiries, and a late payment that I believe may be inaccurate, duplicated, or not properly verified. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some accounts appear duplicated, inconsistent, or unauthorized ( such as UNAUTHORIZED COLLECTION ). I am requesting Equifax to fully verify each accounts accuracy, ownership, balances, and reporting status. Any account that can not be verified should be corrected or removed. 

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 XXXXXX/XX/XXXX I do not recall authorizing all of these inquiries and request verification of permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of this late payment reporting. 

I respectfully request that Equifax investigate these matters and ensure my credit report reflects only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information that Bank of America , N.A . is furnishing regarding the following account. This letter constitutes a direct dispute under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), and applicable XXXX XXXX reporting standards .

Disputed Account Information Creditor : Bank of America , N.A . 
Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$1400.00} The payment history and late payment information being reported for this account appears inconsistent, potentially obsolete, and not properly verifiable. The reporting may violate XXXX XXXX guidelines governing accurate payment history, account status reporting, and historical accuracy. 

Specifically, the reported late payments do not appear to be supported by accurate or complete documentation. Furnishing outdated, inaccurate, or unverifiable information fails to meet XXXX XXXX standards and may constitute a violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
UNAUTHORIZED CHARGES, ATTEMPT FRAUD, AND ABUSIVE COLLECTION PRACTICES- CHEERY/AFFIRM - & MAKEOVER AESTHETIC. 

On XX/XX/year> Makeover Aesthetic at XXXX, Fl. emailed an invoice with an order purchase totaling {$9000.00} for services that were never provided. 

I cancelled the services within XXXX hours, on XX/XX/year>, and again on XX/XX/year>. I NEVER RECEIVED ANY TREATMENTS OR PRODUCTS FROM THIS CLINIC. I went for an evaluation XXXX removal for a FREE consultation on XX/XX/year>. I received a preform invoice that day, and I was offered to cover the amount by paying with loans, Cheery, and Affirm for the treatments. 

The XXXX did a SETUP to start treatments on Monday, XX/XX/year>. WAITING for my doctor to approve these cosmetic treatments. On XX/XX/year>, I replied to an email from the XXXX with an order purchase Protocol. Clear at the BOTTOM of this invoice say " Ready to book your appointment '' call..... 

In person, on XX/XX/year>, a Monday, I went to this XXXX, saying to CANCEL everything. I requested the immediate cancellation of these loans, NEVER USED. services. 

I cancelled the services within XXXX hrs on XX/XX/year> via email, and on XX/XX/year>, in person. The XXXX, instead of cancelling these loans, started billing XXXX and XXXX, receiving a total of {$9000.00} ( see receipt attached ). 

I presented a dispute with these to Companies against the fraudulent charges. The Clinic sent a FRAUD invoice, Consent and Non Policy on Return signed electronically without ESIGN verification. I never signed these documents no reason for I never received ANY treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Dear Experian, I am writing to formally dispute multiple items appearing on my Experian credit report dated XX/XX/year>. The information listed below is inaccurate, misleading, incomplete, and/or reported in violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXXXXXX XXXX Balance {$700.00} Reported as a collection/charge-off with conflicting dates, balances, and dispute notations. The furnisher has failed to validate this debt or provide proof of lawful collection authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Although this account is in good standing with a {$0.00} past-due balance, it is being reported as negative, which is inaccurate and misleading. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account reflects no past-due balance yet is coded as negative. Late payment history is overstated and inaccurately reported. 
XXXX XXXX This collection account lacks proper validation, reflects excessive late payments without documentation, and may be reported beyond permissible limits. 
XXXX XXXX XXXX XXXXXXXX ) The balance exceeds the reported high credit, and the account was not accurately updated after closure. 
XXXX XXXX  Charge-off reporting includes inconsistent credit limits, balances, and unsupported charge-off amounts. 
XXXX XXXX Past-due balances are improperly reported as equal to the total balance, and reporting is inconsistent across bureaus. 
XXXX XXXX XXXX This account shows a {$0.00} balance and closed status, yet remains negatively coded, which violates accuracy requirements. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Both accounts show {$0.00} balances and closed status but continue to be reported as charged-off without justification. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize or open this account. This tradeline appears as a result of identity theft and/or a data breach. Immediate blocking is required. 
XXXX This account shows no balance or past-due amount but is improperly coded as a charge-off. 
XXXX XXXX XXXX XXXX ( Multiple Accounts ) Accounts paid and closed in good standing are inaccurately reported as negative due to improperly emphasized historical late payments. 
FCRA VIOLATIONS 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete unverifiable information 15 U.S.C. 1681c ( a ) Improper or obsolete derogatory reporting 15 U.S.C. 1681s-2 ( b ) Furnisher failed to properly investigate disputes 15 U.S.C. 1681c-2 Failure to block identity-theft related information DATA BREACH NOTICE The continued reporting of accounts tied to unauthorized access of my personal information constitutes improper dissemination of inaccurate consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting a request to update my personal information on my credit report. I have recently discovered an incorrect variation of my name listed on my file. This error is causing discrepancies, and I need it updated to reflect the accurate spelling of my name. Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, consumer reporting agencies are required to maintain accurate and up-to-date information. My full legal name is XXXX XXXX XXXX XXXX ; EQUIFAX reported my name as XXXX XXXX XXXX which my middle name is incorrect because it should be XXXX not XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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.

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 2025-12-16 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
Im in the Chex system and I never had problems with any bank so I know my information is being used

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 2025-12-16 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:
I am a victim of identity theft, and I am demanding the immediate removal of the fraudulent and inaccurate accounts listed below from my credit report. Someone illegally used my personal information to obtain loans and credit cards, and I had absolutely no involvement in these actions. I do not know how this theft occurred, and I have no knowledge of any suspects.

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 2025-12-16 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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