vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To : Equifax, Experian, or TransUnion Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$490.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To : Equifax, Experian, or TransUnion Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$490.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
There are several inaccuracies on my report that needs immediate attention

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are several inaccuracies on my report that needs immediate attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : 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 XXXXXX/XX/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 2025-07-25 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: CO

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am filing this complaint because a XXXX  XXXX bankruptcy is being reported inaccurately and inconsistently across all three credit bureaus ( XXXX, TransUnion, and XXXX  ), in violation of the Fair Credit Reporting Act ( FCRA ), including 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). Despite multiple prior disputes, the bankruptcy continues to appear with conflicting and unverifiable information, and none of the bureaus have provided a legitimate method of verification. 

XXXX reports the bankruptcy filed on XX/XX/XXXXXXXX  with Reference # XXXX, but does not include a closing date or court documentation. 

TransUnion reports the same bankruptcy with Reference # XXXX, a filing date of XX/XX/XXXX, and a closing date of XX/XX/XXXX. 

XXXX  does not report the bankruptcy at all, which demonstrates inconsistency and raises concerns about accuracy. 

I have written confirmation from the United States Bankruptcy Court stating that they do not report any bankruptcy filings to the credit bureaus. The source of the reported information is therefore unverified and invalid, and the data being reported can not be confirmed as accurate or complete.

I am requesting that the CFPB compel the credit bureaus to immediately remove the bankruptcy entry from all three reports under 15 USC 1681i ( 5 ), which requires deletion of unverifiable public record items. Additionally, I am requesting that the CFPB investigate XXXX  and TransUnion for failing to meet the FCRAs accuracy and reinvestigation requirements.

The continued reporting of this inaccurate and unverified bankruptcy entry has caused me financial harm, emotional distress, and the loss of access to fair credit opportunities.

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 2025-07-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report, which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consist of a rent debt account opened at XXXX XXXX on XX/XX/year> under account number XXXX with a balance of $ XXXXThis account has resulted in a fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. 

The account above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer account, and collection are the result of identity theft and fraud. I demand that the fraudulent item be removed from my consumer credit report and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
One week ago I started receiving repeated telephone calls from an XXXX phone number. Upon research it was discovered it was Midland Credit Management calling. The caller would not leave a voicemail message with any of the repeated telephone calls. I went on their website and searched for a collection account using my personal information. That search revealed an active collection account with account number XXXX. The collection account was originally from a XXXX XXXX credit card. The XXXX XXXX account AND the account with Midland Credit Management were discharged in a bankruptcy in XX/XX/year>. I initiated a live chat with a Midland Credit Management representative and supplied their account number to the agent. I told the agent the account was discharged in my bankruptcy and that they could not be pursuing collections. The representative refused to respond because I wouldnt give out my date of birth and social security number over the chat. I supplied Midland Credit Managements account number. All the representative had to do was look it up but they refused. I told the representative to never call me again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: KS

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report that I believe are inaccurate, incomplete, outdated, or can not be verified. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation and deletion or correction of the following negative items : XXXX. XXXX XXXX ( Account ending in XXXX ) - Past due : {$4000.00} - This account shows extreme delinquencies and appears to be inaccurately reported multiple times. Please verify the accuracy and origin of the late payment entries. If unverified, please delete. 
XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Page XXXX XXXX XXXX XXXX - Status : Charged off, {$4400.00} past due - The account has been charged off for several years. I am requesting full validation of this debt. If it can not be verified with original documentation and contract, please remove it entirely. 
XXXX. XXXX ( Account ending in XXXX ) - Status : Charged off, {$2600.00} - This account shows a higher original balance than borrowed and has inconsistent reporting. 
Please provide the original contract and payment history, or remove due to unverifiable details. 
XXXX. XXXX XXXX XXXX ( Account ending in XXXX ) - Balance : {$410.00} - Original Creditor : XXXX XXXX- This debt is already marked as disputed and remains unresolved. If validation documents are not available ( e.g., signed contract ), please delete. 
XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) - Balance : {$3800.00} - Original Creditor : XXXX XXXX  XXXX XXXX- This is a collection account with no provided proof of debt ownership or original documentation. 
Please remove if full verification can not be provided. 
XXXX. XXXX XXXX ( Account ending in XXXX ) - XXXX late payments reported - I am requesting proof of these late payments and the method used to determine reporting accuracy. If these lates can not be confirmed directly with timestamps and payment receipts, please update as " Paid on Time. '' Page XXXX Credit Dispute Letter Please provide the method of verification, name and contact of the original furnisher, and supporting documentation. 
If verification can not be completed within the legally required XXXX  days, I ask that these items be removed from my credit report as required by the FCRA. 
I have attached a copy of my ID and a utility bill for identity confirmation. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX / # XXXX {$540.00} To Whom It May Concern, This letter is a formal dispute and demand for complete legal validation of the above-referenced account currently being reported and/or collected by Jefferson Capital Systems , LLC XXXX I, XXXX XXXX XXXX, do not acknowledge this alleged debt, and until full legal validation is provided, you are required to cease all collection activity and credit reporting. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I demand that you provide the following documentation : The Original Signed Contract or Agreement that shows my wet signature and establishes the alleged debt. 
A Binding Agreement verifying that I agreed to the balance of {$540.00} and outlining the terms of the account. 
A Complete Account Ledger / Flow Sheet showing all activity, including charges, interest, payments, and balance adjustments.

Proof of Legal Assignment or Chain of Custody, including purchase agreements and documentation showing that Jefferson Capital Systems has legal rights to collect on this account. 
Proof that this account is not beyond the Statute of Limitations for collection in Illinois, including a full breakdown of dates and last account activity. 
Proof that Jefferson Capital Systems is licensed to collect debts in Illinois, including license number and name of the issuing authority. 
The full name, department, and direct contact details of the individual who verified this account with any credit bureau. 
A sworn affidavit or statement confirming that XXXX or any automated dispute system was not used, as such systems do not meet legal reinvestigation requirements under the FCRA. 
A billing statement or internal data printout does not meet the standard of legal validation. If you can not produce every document listed above, you must : Immediately delete this account from TransUnion, Equifax, and Experian Cease all further collection activity and communications If full validation is not provided within XXXX calendar days of receipt of this letter, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office Pursue civil litigation and seek statutory damages for all violations of the FDCPA, FCRA, and UCC I am reserving all rights under UCC 1-308 and do not waive any legal protections. This is your final legal notice. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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