vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: SC

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 2025-11-12 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: CT

Complaint narrative:
I am submitting this complaint because Equifax, TransUnion and Experian continue to report inaccurate, unverifiable, and contradictory information even after multiple disputes. I contacted both bureaus several times from XX/XX/XXXX to XX/XX/XXXX requesting correction or deletion of items that can not be verified. They marked the accounts as verified each time without providing any documents. 

The XXXXXXXX XXXX XXXX collection that began appearing in XX/XX/XXXX shows different dates on each bureau and shows no payment history. I disputed it on XX/XX/XXXX and again on XX/XX/XXXX. Each bureau responded within two weeks but did not provide validation from the original creditor. No records, contracts, or statements were supplied. The data continues to show inconsistent dates. This violates accuracy rules because the furnisher has not produced anything showing that the debt exists. 

For the XXXX XXXX account, false late payments from XX/XX/XXXX and XX/XX/XXXX continue to appear. My XXXX payment of XXXX was made on XX/XX/XXXX. My XXXX payment of XXXX was made on XX/XX/XXXX. I disputed these inaccuracies with TransUnion on XX/XX/XXXX and again on XX/XX/XXXX. They verified the late marks both times without providing any evidence. 

For the XXXX XXXX XXXXXXXX account, the bureaus continue to report a 60 day late mark from XX/XX/XXXX. I made the full payment of XXXX on XX/XX/XXXX. I disputed this error on XX/XX/XXXX and again on XX/XX/XXXX. The bureaus kept the same late mark and did not provide documents showing a delinquency. The account remains open and current. 

There are also incorrect name and address variations added to my file without my authorization. I disputed these on XX/XX/XXXX. The bureau marked the items as verified even though the addresses do not match any records I provided. 

All of these items show inconsistent dates, unverifiable information, and no supporting documents from the furnishers. The bureaus failed to correct or delete the data after several disputes. I followed every required step and provided payment records showing the correct dates and amounts. They did not correct the file. 

I am requesting CFPB assistance to require the bureaus to delete all unverifiable late payments, delete the XXXX XXXX XXXX collection, correct the open accounts to show Pays As Agreed, and remove the inaccurate personal information added to my file. I am also requesting written confirmation of the documentation the bureaus used during their reinvestigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MO

Complaint narrative:
Inaccurate reporting for DEPTEDXXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX credit report XX/XX/XXXX This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my XXXX  Loan account ending in XXXXXXXX XXXX XXXX XXXX XXXX on my Transunion credit report. 
XXXX lists this account as 90 days late in XX/XX/XXXX but paid ok several months leading up til XXXX and thereafter. TransUnion and XXXX show no reporting XX/XX/XXXX, ok in XXXX and XX/XX/XXXX, then 90 days late in XXXX of XXXX. A 90-day late can not occur without sequential prior delinquencies, rendering this reporting factually impossible. 
This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy. 
Under 611 ( a ), this entry must be deleted.

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 2025-11-12 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:
I am writing to formally dispute the following accounts that have been inaccurately reported on my credit file with the three major credit bureaus. The details outlined below pertain to the specific accounts in dispute, and I request an immediate investigation into these matters to ensure that my credit report is corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Open : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am disputing the following charged-off accounts on my TransUnion credit report. These accounts are inaccurately reported and should be removed or corrected as per the Fair Credit Reporting Act ( FCRA ). 

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 Inquiries : TransUnion ( TU ) 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 2025-11-12 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint against the three major credit bureausExperian, XXXX XXXX XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX  Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX, balance {$200.00} ), XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$420.00} ) Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require ExperianXXXX XXXX XXXX XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX United States XX/XX/year> To : MIDLAND CREDIT MANAGEMENT INC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX. 

Subject : Cease and Desist & Validation Request Reporting of Alleged Account Dear MIDLAND CREDIT MANAGEMENT INC or To Whom It May Concern This letter serves as a formal cease and desist notice under 15 U.S. Code 1692c ( Fair Debt Collection Practices Act ) and a request for full validation of the alleged debt you have reported or are attempting to collect. 

I recently noticed that your company has reported an account under my name to one or more credit reporting agencies. I am disputing this debt and am requesting proof that your company has the legal right to collect or report this account. 

Under the FDCPA, I am requesting that you cease all collection and reporting activity until you provide : 1. A copy of the original contract or agreement bearing my signature that legally authorizes your company to collect and report this debt. 
2. Documentation showing the full chain of assignment or ownership of the alleged debt, from the original creditor to your company. 
3. An itemized statement of the alleged amount, including all fees, interest, and other charges. 

Please be advised that continued reporting of an unverified or unsubstantiated debt to the credit bureaus may be considered a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

If you fail to provide the requested documentation within the time permitted by law, you must immediately delete this account from all credit reporting agencies and cease all further contact regarding this matter. 

All future communication regarding this issue must be made in writing only and sent to my address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
again on XXXX spoke to XXXX supervisor @ XXXXXXXX XXXX who stated XXXX XXXX XXXX already received the money on XXXX under trace XXXX XXXXXXXX per XXXX XXXX XXXX they dont have the payment and XXXX with is the tore to where i did the transaction with the XXXX XXXXXXXX id code XXXX that was provided by XXXX XXXX XXXX XXXX i am mentally drained i have XXXX  and want this issue to be resolved within 24 hours now whn XXXX XXXX calling XXXX XXXX XXXX they are not answering calls and XXXX XXXX the lead to XXXX XXXX is always in a meeting

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 2025-11-12 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attention to this matter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX XXXX XXXX I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attention to this matter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX XXXX XXXX I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from 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 non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my Equifax credit report : Charged-Off Accounts : UNAUTHORIZED COLLECTION, XXXX, XX/XX/year>, Balance : {$660.00} Inquiry Disputes : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX {$1400.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX {$1400.00} 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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