vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist and Credit Reporting DisputeAccount Number : XXXX XXXXXXXX To Whom It May Concern, I am formally requesting that Jefferson Capital Systems , LLC cease and desist from any and all further communication with me regarding the above-referenced account. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Additionally, I am disputing the accuracy and validity of any information you have furnished or may furnish to any credit reporting agencies concerning this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to ensure that any information reported is accurate and verifiable. If this account can not be verified with complete documentation proving its validity, you must immediately : Cease all collection activity ; and Delete or correct any inaccurate information previously reported to XXXX XXXX XXXX, or any other credit reporting agency. Please confirm in writing that you have received this letter and that you will comply with these requests. Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of federal law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CT

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 2025-10-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
NOTICE OF FDCPA VIOLATION, FINAL DEMAND TO CEASE COLLECTION, AND INTENT TO PURSUE LEGAL ACTION Account/Agreement Number : XXXX To the Consumer Financial Protection Bureau and XXXX XXXX, This complaint concerns an alleged debt of {$2900.00} related to Agreement Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I do not owe this debt. 

History of Dispute and Violation Initial Dispute Ignored : On or about [ Insert Date of Your First Dispute Letter ], I formally disputed this alleged debt in writing and demanded validation pursuant to 15 U.S.C. 1692g of the FDCPA. I sent this letter via Certified Mail and have proof of delivery to the creditor.

Failure to Validate : Despite receiving my formal dispute, XXXX XXXX has failed to provide any validation, verification, or evidence to substantiate this debt. Furthermore, I have never received any original billing statement or communication regarding this alleged obligation prior to or after my dispute. 
Continued Collection/Reporting : XXXX XXXX XXXX continued attempt to collect or report this alleged debt after failing to provide the legally required validation constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc.
State: TN

Complaint narrative:
I requested information for original creditor who sold them the debt, the hospital never once gave me a 30 days notice about anything which is required by law, they never did see if im eligible for financial assistance which is required by law. The debt collection agency never even reached out to me by phone trying collect any debt they just sent email which never says whos the original creditor who sold them the debt. Cant contact them bc it wont let me.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

SS 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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, Equifax 's 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.

These are the inaccurate accounts XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute inaccurate personal information appearing on my consumer file and to request that you correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me is : Correct address to be added/ updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Inaccurate address to be removed : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX Correct name to be added/ updated : XXXX XXXX XXXX XXXX name : XXXX XXXX  This inaccurate personal information is causing confusion and is not my current or prior residence to my knowledge. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected. Please investigate this matter, delete/remove the inaccurate address and name listed above from my file, and update all consumer report ( s ) and any derivatives to reflect my correct address and name shown above.

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
my mobile deposit consited of XXXX checks both from XXXX claims for XXXX roadside assistance claims both in the amount of {$250.00} after depositing them both the following day i saw the XXXX check was cancelled so i deposited again in the meantime the XXXX check was made available with no problems. i went ahead and requested to deposit the other check. that didnt go through these were on the dates XXXX and XXXX of XXXX. XXXX i requested next day availablility. check showed posted and approved next day and then the statu updated to a hold of 11 days XX/XX/year> is the hold release date,. i went to the XXXX XXXX and was refused help regarding this issue said i had to talk to regions directly and i chatted XXXX different times with no help and only repeating information. when i asked for supervisors they all came on and stated nobody absolutley no =body could release hold i had to wait. the check is local wells farfo bank check from allstate for {$250.00} no need to hold that long ive never had a hot check in my life. why approve one not the other. the bank refused to give me any credit while i waited i have no gas no groceries i advised them i could not feed myself or my XXXX children and they just repeated themselves again. i dont feel like they tried to remedy the issue and could care less i have no food to feed my family.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously disputed inaccurate late payment entries being reported by Experian on my credit file for the XXXX CARD XXXX. Despite submitting a formal dispute on XX/XX/XXXX, Experian has continued to report unverifiable late payments for XX/XX/XXXX and XX/XX/XXXX without providing any documentation or proof of verification. This failure to correct or validate the disputed data constitutes noncompliance with the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2, which require credit bureaus to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. Experian has not fulfilled its legal obligations, leaving inaccurate data on my credit file that negatively affects my creditworthiness.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I requested this company to remove the incorrect information reported on my credit report. They claimed that they gave me a line of credit. But they are an online payday loan company with high interest rate. They removed the report once before. Now they reported again on my credit report as a line of credit again and charge off and late on my payment.

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 2025-10-29 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: NY

Complaint narrative:
I am submitting to formally dispute several unauthorized hard inquiries that appear on my credit report. I am requesting that these inquiries be investigated and permanently removed as they were made without my explicit authorization or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). Under FCRA 604 ( a ) ( 3 ), a credit report may only be accessed for legitimate purposes such as a credit transaction initiated by the consumer, employment, insurance underwriting, or other permissible grounds as defined by law. Any inquiries conducted outside of these boundaries violate my rights as a consumer. After reviewing my report carefully, I identified the following inquiries that I did not approve, authorize, or have any business relationship. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE FAILED TO INVESTIGATE MY CLAIM DURING MY CALLS UNAUTHORUIZED PAYMENT FROM XXXX  BUT WANT ME TO PROVIDE A XXXX XXXX  STATEMENT, IM OWN THIS ACCOUNT FOR OVE R20YEARS. 

UNAUTHORIZED CHARGES

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Dear LVNV Funding LLC, I am writing to formally request validation of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Debt : Account Number : XXXX Amount Claimed : {$1000.00} Account Number : XXXX Amount Claimed : {$1000.00} Account Number : XXXX Amount Claimed : {$890.00} Account Number : XXXX Amount Claimed : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Parking Disputed amount : {$7.00} - said it was a fraud report -talked to their security team -it was an unauthorized charge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CT

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally notify the Consumer Financial Protection Bureau ( CFPB ) that Equifax has failed to comply with the reinvestigation requirements set forth under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. On XX/XX/year>, I submitted a formal written dispute to Equifax concerning an inaccurate tradeline reported under XXXX XXXX  ( Account No. XXXX ). The account contained incorrect late payment information that I have never authorized nor caused, and the creditor had previously acknowledged the error and agreed to correct it. 

Despite providing Equifax with a clear dispute, sufficient identifying information, and supporting documentation, the bureau has failed to complete its investigation and provide me with written results within the XXXX period required by federal law. As of this date, Equifax continues to report the disputed account inaccurately, without providing any proof of verification from the furnisher. This constitutes a violation of my rights under the FCRA for failure to conduct a reasonable reinvestigation and for the continued publication of inaccurate information. I am requesting the CFPB to intervene and require Equifax to ( XXXX ) immediately delete the unverifiable account information, ( XXXX ) provide proof of investigation results including all documentation from the furnisher, and ( XXXX ) ensure future compliance with all federal consumer protection laws. Equifaxs noncompliance has caused harm to my creditworthiness and emotional distress due to the persistence of false information on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MI

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 victim of identity theft. 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 theft of my identity 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 Federal 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 completeandaccurate.

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