vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute of Alleged Debt XXXX Ref Number : XXXX To Whom It May Concern : This correspondence constitutes a formal and lawful dispute of the debt referenced above, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g et seq. and applicable provisions of the Fair Credit Reporting Act ( FCRA ). I am asserting my full legal rights under state and federal law.

Dispute of Debt and Cease Collection Notice I dispute the validity and legal enforceability of the alleged debt in its entirety. 

I hereby demand full verification and validation of the debt including, but not limited to : A complete itemized breakdown of the original charges and all subsequent charges, credits, interest, or fees. 

A copy of the original contract or agreement bearing my signature. 

The name and address of the original creditor, including documentation proving that Jefferson Capital Systems , LLC has legal standing and ownership of this alleged debt. 

A chain of title, showing a full and unbroken history of the assignment or sale of this account. 

You are required to cease all collection activity, including phone calls, letters, emails, or any reporting to consumer credit bureaus until such documentation is provided in full and verified as accurate and legally enforceable. 

Notice of Consumer Rights and Legal Position Any further attempt to collect this disputed debt without full validation shall constitute a willful violation of the FDCPA and other applicable laws and will be reported to the Consumer Financial Protection Bureau and the XXXX Attorney Generals Office.

Should you report or continue reporting this alleged debt to any credit bureau while it is under formal dispute, you will be in direct violation of 15 U.S.C. 1692e ( 8 ) and FCRA provisions under 15 U.S.C. 1681s-2.

You are hereby notified that I do not consent to electronic communications, calls, or any contact at my residence, workplace, or via text or email regarding this matter unless expressly permitted in writing. 

Preservation of Rights Nothing in this letter shall be construed as : An acknowledgment of liability or ownership of the alleged debt. 

A waiver of any rights, defenses, or claims under law or equity. 

I reserve all rights afforded to me under XXXX XXXX jurisdiction, federal statutory protections, and all applicable state and common laws. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Some time on XX/XX/2025. I was almost done with a XXXX  year leasing with XXXX dealer which is located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Call me in to get an early lease buyout and choose an another vehicle. I decided to go in and see my options. So to make story short they at the company hit my credit more then XXXX times with out my permission on a use car I was just acquiring. To me this is fraud. Also after they bought my lease out agreement, XXXX XXXX  which is a different company from them are charging me XXXX  months remaining on the lease which I didnt have any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

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 explanation
Consumer complaint received 2025-05-22 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: NC

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This complaint concerns a Capital One flexible spending credit card that was negatively impacted due to a combination of unauthorized use and delayed assistance from the creditor during a hardship period. 

In XXXX, I was experiencing financial difficulty and made multiple attempts to contact Capital One to request enrollment in a hardship payment program. Unfortunately, my first request was not addressed or followed through on, which resulted in continued financial strain and missed payments. 

During this time, a driver I had trusted used the card without my permission, further worsening the balance and delinquency. I was unaware of these transactions at first, and by the time I discovered the issue, the account had already been impacted by a series of missed payments and negative reporting. 

Eventually, a Capital One representative named XXXX did assist me, and I entered a resolution/hardship/payment arraignment phase. 

As of XX/XX/XXXX, I have paid down the account, brought it fully current, and have continued to meet my obligations. 

Despite this, the credit bureaus continue to report derogatory marks, late payments, and a XXXX  days late status, even though : I acted in good faith to resolve the situation ; The card was used fraudulently by another person ; Capital One initially failed to act on my hardship request ; And the card has since been brought current and reduced. 
This inaccurate and harmful reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, which prohibits the furnishing of inaccurate or incomplete information that fails to reflect consumer disputes, verified hardships, or mitigating circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Please refer to my previous letter for the information that needs to be re-investigated.

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 2025-05-22 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: GA

Complaint narrative:
please check the information concerning the equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo sent me a letter, dated XX/XX/year>, stating that I was not the account owner. 

I am the account trustee. The bank has a court order appointing me as the successor trustee.

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 2025-05-22 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-22 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-22 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute regarding the Barclays Bank Delaware account ( later sold to XXXX XXXX XXXX ) listed on my credit report. This item is reported as charged-off, with a {$420.00} write-off, and reflects XXXX  months of negative history. I am requesting immediate deletion for the following reasons : XXXX. Inaccurate Reporting and Re-aging FCRA XXXX ( a ) ( XXXX ), XXXX ( c ) The account reports continued derogatory updates well past the legal time limit, potentially violating the seven-year limitation set by the Fair Credit Reporting Act. The XXXX clearly began no later than early XXXX, yet this account continued to update and reflect damage into XXXX. This is a form of unlawful re-aging which is strictly prohibited. 



XXXX. Failure to Provide Accurate and Complete Information FCRA 607 ( b ) This item lacks critical details, including whether the balance is still due or has been sold or resolved. The reporting of the account as purchased by another lender with charge-off status is misleading and materially incomplete, violating the requirement to maintain accuracy and clarity in consumer reporting. 



XXXX. Violation of Debt Validation Rights FDCPA XXXX ( b ) XXXX XXXX XXXX, the debt buyer, is required under the Fair Debt Collection Practices Act to validate any alleged debt upon request. If XXXX  can not obtain documentation verifying the debt, including chain of custody and original signed agreements, this item must be removed. 



Action Demanded : Permanent Removal Within XXXX  Days You are obligated by FCRA XXXX to investigate, validate, or delete this account. Failure to provide proper documentation within XXXX days will result in formal complaints filed with the CFPB, FTC, and XXXX  Attorney General. I also reserve the right to seek relief under FCRA XXXX and XXXX for damages due to willful and negligent noncompliance. 

Sincerely, 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 2025-05-22 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
as I check my XXXX  and XXXX reports I notice inquiries I had no knowledge of and gave no one consent.

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 2025-05-22 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: PA

Complaint narrative:
There are serious discrepancies on my credit report that I need help resolving. These include incorrect account listings, unrecognized credit inquiries, and inconsistent personal information. Some accounts dont even belong to me. These problems are jeopardizing my credit score.

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 2025-05-22 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XX/XX/XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XX/XX/XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-22 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: CT

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX {$2600.00} XXXX XXXX  XXXX # XXXX XX/XX/XXXX XXXX {$450.00} XXXX  # XXXX XX/XX/XXXX -- {$17000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$13000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$170.00} XXXX  # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-22 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: PA

Complaint narrative:
I am reaching out regarding serious discrepancies on my credit report. Ive identified inaccurate accounts, unauthorized inquiries, and inconsistencies in billing and personal data. These issues are severely affecting my financial health.

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 2025-05-22 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: PA

Complaint narrative:
I am reaching out regarding serious discrepancies on my credit report. Ive identified inaccurate accounts, unauthorized inquiries, and inconsistencies in billing and personal data. These issues are severely affecting my financial health.

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