vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against JEFFERSON CAPITAL SYSTEMS LLC for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding an alleged debt they claim I owe This company has failed to provide proper validation of the alleged debt, continues to report inaccurate information to the credit reporting agencies, and has engaged in unlawful collection practices despite multiple requests for verification.

The company has violated : 1692g ( b ) by continuing collection without providing validation.

1692e by using false, deceptive, or misleading representation of a debt.

1692f by using unfair and unconscionable means to collect a debt.

1692d by engaging in harassment or ongoing collection while debt is in dispute.

Despite my requests, they have not provided : A copy of any signed contract or agreement showing I owe the original creditor. 
XXXX. A copy of the assignment or bill of sale proving they legally own or have the right to collect this debt. 
XXXX. A full itemized accounting of the balance. 
XXXX. Proof that the collection agency is licensed to collect in my state. 
XXXX. Verification directly from the original creditor.

5. Failed to provide proof they are legally assigned or own the debt.

6. A receipt of the Auction proceeds sale price that was allegedly credited to the incorrect balance reporting to this account.

I have requested the listed documentation, and they have not provided any of this information, they are not legally authorized to collect or report the debt.

Because they failed to provide the requested documents, the company is also in violation of : 1681s-2 ( a ) ( 1 ) for furnishing inaccurate information to credit bureaus 1681s-2 ( b ) for failing to investigate the disputed information properly 1681i for failing to verify information when a consumer disputes it I respectfully request the CFPB to : 1. Conduct an investigation into Jefferson Capital Systems LLC Account 2. Require the company to provide full listed validations or immediately remove the debt. 
XXXX. Request the company to cease all collection activity. 
XXXX. Require deletion of the account from all credit bureaus. 
XXXX. Enforce penalties for any proven violations of FDCPA or FCRA. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I went to buy a ring from zales and they offered me a no interest loan to pay the ring, I took it because the bank was closed. The next week I went to my bank and withdraw enough cash to pay off the debt. I told the cashier that I wanted to completely pay off my loan, they charged me the full amount which was over {$4000.00}. I paid it off thinking that everything was good after that. The next couple months I noticed my credit score dropped twice from XXXX something to XXXX because of XXXX late fees that was on the zales loan. I went back to zales and asked why I got this when I already paid off the whole thing, they said that they dont know why, and that there was a late fee twice on it, a total of XXXX . I did not get any mail or notification for it, they said they couldnt do anything about it and gave me the number to call to lender and ask about it, I called and they told me I had that there was a charge for {$80.00} for something and with the late charges it was a total of {$110.00}, I explained that I paid it off completely already and they said that they couldnt remove the charge except for the late fee, which they did, so I went back to zales and paid the {$80.00} something and was hoping for my credit score to return to normal, but so far no change has been made except for the positive changes for paying extra on my mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On the morning on XXXX I received an email from TransUnion on my credit report. I reviewed and saw my FICO score went down and uponinvestigation found there was a Hard Inquiry from XXXX on XXXX that I did not authorize. TransUnion provided the below info : - Inquiry DateXX/XX/XXXX - Account XX/XX/XXXX - Type Bank Credit Cards- Creditor Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Phone XXXX I calledXXXX using above number and was only transferred to XXXX different people and not provided any help.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXXI have a Chime bank account (XXXX XXXX XXXX XXXX XXXXI requested a replacement card to my new address and the card never arrived.  It was stolen/used prior to delivering to my mailbox.  XXXXI never activated the card.  But somehow the card was used fraudulently. XXXXThe card had XXXX  ATM withdrawals of XXXX (plus fees) over the course of a week (details below).  The card was also used at grocery stores.  XXXXI have XXXX claims with Chime.  Claim XXXX XXXX XXXX XXXX) included XXXX ATM withdrawals and the grocery charges were disputed on one claim.  Claim XXXX XXXX XXXX XXXX included the XXXXth ATM solo (charge was submitted on a separate claim since Chime required the charge to not be 'pending' when the first claim was submitted).XXXXClaim XXXX: I have submitted a police report, direct proof of location contradiction evidence that directly disputes the charges, as well as my confirmation that I marked charges as fraud when Chime asked. XXXXI have submitted all of this information and my claim has been denied XXXX times. XXXXChime has provided me with their reasoning for denial, however their answers never made sense.   The evidence used to deny the original claim included evidence I submitted in the first rebuttal.  It would be impossible to determine the denial with evidence that had not yet been uploaded.  This also occurred when I requested the evidence used to deny the rebuttal XXXX.  When I received that information, it included evidence only uploaded for rebuttal XXXX   Again, rebuttal XXXX could not have been decided with evidence that was provided AFTER the denial and rebuttal XXXX  was opened.  XXXXChime representatives cannot comprehend this somehow.  I finally spoke to a supervisor but as we got close to reopening rebuttal XXXX, they hung up on me. XXXXAlso, Chime uploaded their intake form of my info/answers when I originally submitted Claim 1.  During that intake, they ask if I had my card with me.  I clearly answered NO BECAUSE IT WAS NEVER RECEIVED AND IT WAS STOLEN.  On the intake form, the Chime representative marked that YES I did know where my card was.  I would like Chime to listen to the recording they have to confirm that during my explanation I clearly said I did not have my card.XXXXCharge informationXXXX 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 XXXXXXXX XXXX was approved quickly.  I cannot fathom how they could approve one of the charges clearly similar to the other XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Thursday XX/XX/year> my citibank checking account was locked. The following day a citibank agent said it was due to a company reporting fraud. This is a company my husband worked for, and there was an incorrect check issued by them which was deposited. Citibank said we have to reach out to the company 's bank. We contacted TD bank on Monday XXXX and they emailed citibank saying that they already received the funds. Citibank is saying that they did not get the email and they may take up to 30 days to give me an update on the investigation. I can not access any of my funds to feed my children or pay my mortgage or bills.

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 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
I live in the inner city of XXXX XXXX I do not even own a vehicle. I am not originally from XXXX XXXX XXXX I have never been to XXXX XXXX and its reporting negative to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MA

Complaint narrative:
I am filing this complaint because my credit report is showing several accounts with incorrect and inaccurate balances, which is a violation of the credit bureaus responsibility to report only fair and accurate information. After reviewing my credit file, I found that the balances being reported do not reflect the true status of the accounts. These accounts should be reporting {$0.00} balances, yet the bureaus continue to display outdated and incorrect amounts. This inaccurate reporting is negatively affecting my credit standing. 

XXXX XXXX XXXX Balance {$720.00} XXXX XXXX XXXX Balance {$60.00} XXXX XXXX XXXX NA XXXXX Balance {$300.00}

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 2025-12-01 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
XXXX XXXX is reporting late payments and derogatory information on an auto loan account that can not be legally verified because the lien/title was never received or perfected. This means the account is incomplete under UCC Article 9 and therefore not fully verifiable. The previous CFPB response did not address the core legal issue, and the inaccurate/incomplete information remains on my report. 

This inaccurate reporting has already caused me to be denied housing, and I am currently unable to secure an apartment because XXXX and the property rely on this unverifiable account. 

I am filing this complaint because XXXX XXXX XXXX XXXX is continuing to report late payments and derogatory information on an account that can not be legally verified, due to missing lien/title documentation. 

I provided documentation showing : XXXX XXXX did not receive the lien or title for the collateral securing this loan The lien was never perfected The account is therefore incomplete under UCC Article XXXX XXXX XXXX can not verify the security interest or contract in its entirety Even though the bank updated the current status after my initial CFPB complaint, they did not correct the late payment history, which is still appearing on my Equifax, XXXX, XXXX and XXXX XXXX report. 

This is legally insufficient because : Under FCRA 611, if information can not be verified in its entirety, it must be deleted, not partially updated. 
Under FCRA 623 ( a ) ( 1 ), furnishers are prohibited from reporting information they knowor should knowis incomplete or inaccurate.

Under FCRA 623 ( a ) ( 8 ), a furnisher must conduct a reasonable investigation when a consumer disputes directly, including reviewing ALL documentation. 
A partial verification is not permissible under FCRA or the case law ( XXXX XXXX XXXX XXXX ). 

If the account itself can not be legally verified, none of the associated data ( late payments, dates, status ) can be verified either. 

My original CFPB complaint was closed prematurely because the furnisher only responded with a partial update and did not address : The missing lien/title The XXXX confirmed there is no lien on the title The unverifiable nature of the underlying contract The improper reporting of late payments I am requesting : A full reinvestigation Removal of the unverifiable account Removal of ALL associated late payments Confirmation that XXXX XXXX XXXX not continue reporting an account it can not fully verify XXXX XXXX is reportinXXXX incomplete and inaccurate information, and the FCRA requires deletion of unverifiable items. I am requesting CFPB assistance to ensure the account and all associated late payments are removed as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AR

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

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 2025-12-02 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: AR

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: HI

Complaint narrative:
I am writing once again to address the fraudulent items that continue to appear on my credit report. Despite my previous efforts to resolve this matter, these unauthorized entries persist. 
My credit report contains incorrect personal information, which is causing unknown and inaccurate accounts to appear. I have been a victim of identity theft, with my information used fraudulently, resulting in items on my report that I have never been associated with. 
As instructed by Equifax, I filed an FTC report and submitted it, yet these fraudulent items remain unresolved.

Company response to consumer: Closed with non-monetary relief