vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I have recently obtained my credit report to check for incorrect information regarding my personal Information. Upon doing so, I came across a Trade line in Collection, from a Company Jefferson Capital System and the original creditor XXXX XXXX XXXXXXXX ''. It states the amount is {$1800.00}, and it was opened in XXXX. Under Loan Type, it states it is a " Factoring Company Account '', Which I don't know what that is. The account number listed with it is, XXXXXXXX XXXX XXXX XXXX XXXX  It also shows that it was updated XX/XX/XXXX. 

After finding this, I decided to research the company to find out any other information I can. During my search, I came across discussion forums like XXXX, and XXXX. Both those discussion sites had people in the same situation, saying that this company showed up on their reports and ironically, with the same amount of {$1800.00}, and the same open date. 
Lastly, I have not contacted them at all, because I chose to send my information to the credit bureaus and dispute the item, feeling they are better equipped to investigate and rectify the problem. After speaking with an Agent from XXXX  today, I was advised to file a complaint and place a notice on my credit reports. If there is any other information you may need, please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-10 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-10 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:
To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$6300.00}

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 2025-06-10 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: AZ

Complaint narrative:
I am filing a formal complaint against Experian and XXXX XXXX XXXX for continuing to report a fraudulent collection account that does not belong to me. The account in question is a collection account from XXXX XXXX XXXX, and states the XXXX as XXXX of 2024. This is completely false and Experian and XXXX XXXX XXXX  have provided no information verifying this to be true. 

I disputed the account through Experian, and they responded that it had been verified. However, I was never shown any validation of the debt, contract, signed documents, or any legal proof that this debt is mine.

I have reason to believe Experian did not perform a proper investigation, and XXXX XXXX XXXX has failed to validate the debt in accordance with the FCRA. This collection is not mine, is materially harming my credit profile, and is impacting my ability to obtain financing for my legitimate business.

I am requesting the immediate deletion of this account from my credit file and an investigation into both Experians practices and the validity of the furnishers data.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My card was compromised. Chase gave me the money back but then XXXX XXXX was allowed to submit a reversal. Today I woke up to my account being negative. {$450.00} {$0.00} {$270.00} and {$0.00}. Chase told me that the purchase was done through my apple pay but when i spoke with the merchant none of the information they had was my information other than my card number. Here is the information XXXX XXXX sent me concerning the person who used my card and their address information : Email XXXX Contact Name XXXX XXXX Address Line XXXX XXXX XXXX XXXX. 
Address Line XXXX XXXX XXXX XXXX California XXXX United States XXXX XXXX XXXX XXXX XXXX Email XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: AZ

Complaint narrative:
I started this account with Kikoff. I paid them XXXX a month and they reported on my three credit bureaus that had an account in good standing. After more than 2 years paying XXXX a month, it didnt really help my credit score. Kikoff took all of the money paid to them, then closed the account showing on my credit report that the account was closed and had an available balance to charge of XXXX. It harmed my credit score and Kikoff lied to the credit bureaus as well as me. I thought the money I paid is what was reflecting on my credit. I didnt know that if I stopped paying them ( which I didnt have access to my money ) I was just paying them and if stopped they would harm my credit by telling lies to the credit bureaus that I had access to XXXX and now they closed that account that never existed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: WI

Complaint narrative:
A collection agency has placed a derogatory account on my credit report without providing any lawful verification or proper validation, as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I exercised my legal right to request debt validation and issued a formal request on XX/XX/year>. 

The collection agency failed to provide any of the following : - A signed agreement bearing my wet ink signature.

- The name, phone number, and email address of the individual who input this account on my credit file.

- A copy of the full chain of assignment and itemized accounting from the original creditor to their agency.

- Verification that they are licensed and bonded to collect debts in my state of residence.

Instead, the agency provided generic billing statements or incomplete documentation that does not satisfy the requirements of 15 U.S. Code 1692g, and they continue to report the unverifiable account to the credit bureaus, harming my credit and financial standing. Their actions violate 15 U.S. Code 1692e, 1692f, 1681s-2 ( a ) ( 1 ) ( A ), and 1681i, and may rise to the level of criminal violations under 18 U.S. Code 894 ( extortionate practices ) and 241 and 242 ( conspiracy and deprivation of rights ).

Additionally, I issued an invoice for their failure to comply with lawful demands and gave notice via certified mail, including an affidavit and proof of service. They ignored this lawful process and continue their harmful actions.

This collection account is reporting inaccurate, unverified, and damaging information. I have been forced to spend time, money, and resources to correct something that should not have been reported without legal foundation or contractual obligation. This activity is unfair, deceptive, and abusive under federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
I am filing a complaint against TransUnion and Equifax for continuing to report a fraudulent collection account that does not belong to me. The account is being reported by XXXX XXXX XXXX and shows on my credit report under collections. 

I have not received any validation or documentation proving that I owe this debt. I did not authorize it, did not open it, and have no connection to it. This account is fraudulent and materially harming my credit score and my ability to obtain financing for my business.

I demand that TransUnion and Equifax delete this account from my report immediately and provide proof that a proper investigation was conducted, in accordance with 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 2025-06-10 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: FL

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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00}

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I sent a letter to a company that put collection debt on my credit report. I se n't the company a letter with the following requests : 1. * * Verification of the Debt : * * A detailed statement that verifies the debt, including the original creditor 's name and address.

2. * * Documentation : * * Copies of all relevant documentation, including but not limited to the original signed contract or agreement and any account statements.

3. * * Payment History : * * An itemized statement of all transactions related to this account, including any payments received, fees added, or adjustments made.

4. * * Collection Practices : * * The name and address of any previous creditor, if applicable, and confirmation of the last payment made on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MN

Complaint narrative:
the copant never tryed to give me the money back they reternd to sender and sender was a derend owener of the comnpay it has my name on the tranfer where is my money

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 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: SUNRISE CREDIT SERVICES, INC
State: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it.

15 USC 1681 Section 602 States as followed : I have the right to privacy.

15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose.

15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I made a deposit to my Citi Checking account via Mobile Check deposit on a Friday. By Monday, my Citi mobile access was completely blocked, including access to my Citi credit card account. My mobile deposit was a check from my employer for travel reimbursement that was to be moved directly to my Citi credit card to pay for my most recent travel expenses after successful deposit. Come to find out over the phone after multiple hour long attempts at speaking with someone in customer service/fraud prevention , that they decided to close the account because the deposit looked fraudulent. I spoke to my employer and they sent me verification that Citi did indeed cash my check and they were never informed of any cancellations to the check. Citi now has my money, will not move the funds to my credit card account to pay the balance ( which is what I'd honestly prefer as this was the intent all along ). Instead, they say they will send me a check for the balance within 60 days, but can't tell me exactly when. I have tried escalating to a supervisor and am constantly told nobody is available. I have a credit card payment due in four days now that I am going to be charged interest on because of this debacle. The bank is making interest money off of me, when I tried to handle my payment weeks in advance, and they decided to keep the money until they decide they will send it back. My mobile check deposit was completed on XX/XX/XXXX in the amount of {$870.00}. I received a letter from Citi in the mail dated XX/XX/XXXX, received on XX/XX/XXXX explaining the account closure, and that I could contact customer service to determine if I am entitled to the funds sooner than the expected account closure date. I don't even want a check back, I just want the funds moved to my Citi Credit card account, and they can't even do that for me. I feel strongly they are holding my money at their own discretion, when they're not entitled to it.

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 2025-06-10 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: LA

Complaint narrative:
XXXX XXXX XXXX, XX/XX/scrub>XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX - XXXX XXXX - XXXX - XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief