vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc.
State: LA

Complaint narrative:
My first payment on the account in the amount of {$27.00} was submitted on XX/XX/XXXX, followed by a payment of {$31.00} on XX/XX/XXXX both via phone representative. The total balance owed on the account ( per XXXX representative is {$120.00} ) / ( per the XXXX credit bureau is {$92.00} ). 
My last submitted payments are {$71.00} and {$31.00} on XX/XX/XXXX via phone representative at XXXX. In total. I have paid a total of {$160.00} to this collection company. 

The original creditor is not accurately report my balance/status with the credit bureaus. 
The account is showing the last payment date of XX/XX/XXXX. There are XXXX late payments reporting in XXXX. XXXX late payments in XXXX, and XXXX in XXXX. However, the account has been closed for several years. 

I contacted the merchant ( Sezzle ) via email on the following dates this year ( XXXX ) : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was transferred from Sezzle to a XXXX representative who stated that my account has been fully paid and no balance is due. However, the reporting issues would be on Sezzle since XXXX isn't reporting to the credit bureaus. I have tried disputing with the credit bureaus, but the account status or balance never changes, even after providing emails and payment receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-07-26 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
I am disputing a debt that is being reported and/or collected by Jefferson Capital Systems , LLC under account number XXXXXXXX XXXX XXXX XXXX XXXX  I have never received any communication from this company and have never done business with them. 

I discovered this account on my credit report and have no knowledge of the origin or details of this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt, which has never been provided.

I request that the CFPB investigate and that Jefferson Capital either provide proper validation or delete this account entirely from their records and from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NY

Complaint narrative:
This morning, during my routine credit report check, I came across some inaccuracies that werent there before. I refreshed the page, assuming it might be a temporary error, but the accounts remained. Im requesting a thorough review of the documents I provided so I wont have to face this concern again.

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 2025-07-26 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year>. I rented a car in XXXX from a company called XXXX XXXX XXXX XXXX XXXX XXXX  the vehicle provided to me was not the vehicle I requested and the bottom was held together with zip ties and the bottom part of it was falling out. I returned the vehicle and immediately contacted XXXX about this issue because I booked through them. There was a language barrier at the rental desk. So I contacted them immediately via email and never got a response. I checked my bank account and noticed I was charged {$200.00} XXXX dollars more then the reservation. So I contacted my financial institution PNC to tell them what was going on and to dispute this charge. Not only was the car unsafe to drive the amount for the original service was wrong. Three weeks later I get another charge from this same company in the amount of {$230.00}. The representative at PNC that I spoke to on XX/XX/year> failed to shut down the card after the original payment dispute. I contacted them about this matter two weeks ago on XX/XX/XXXX and asked to speak with a supervisor it took the manager at PNC two weeks to reach me and when I spoke to XXXX XXXX the manager at PNC she informed me that they are considering the second charge valid. This means negligence on PNCS behalf or XXXX XXXX XXXX XXXX  somehow duplicated my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
This is the second time I had to reach out for help due to incorrect calculations or payment allocation in my Care Credit account. I had a promotional due for amount of ~ {$1800.00}. While checkin my statements from XXXX land XXXX, I also noticed my $ 400 monthly payment was not allocated correctly. When I called ( I think in XXXX ) to allocate my payment to the nearest promotion, they removed the money from where it was allocated by the system, but didn't put it back to reduce my due. I contacted customer service in XXXX to know what would be the correct amount due ( considering there were some errors ) in XX/XX/XXXX. I needed to be prepared and pay so not to be charged for interest. The person told me that she corrected the balances. I specifically asked again, what's my next promotional due and when. She said, " it will be {$350.00} by XX/XX/XXXX. Your will see XXXX promotion paid off in 14 days. Just XXXX the min. {$200.00} on XX/XX/year>. '' I have the texts to provide. I paid {$300.00} in XXXX. Then I saw my XXXX statement today, showing the subjected balance as {$2500.00}, Expired, and Interest charged amount of {$930.00}!! So, I called again today and the customer service person said I should have paid around {$1000.00}, not to be charged interest!! I asked why nobody told me in XXXX when I asked? I need to prepare. {$1000.00} or {$2000.00} are no candies and cookies for me to pay in a blink. She just repeated herself and explained the process!! 
I am so stressed at this point. It may be a mistake, but it is people 's money. The organization doesn't appear to have a quality control in place. The errors could only cost more for customers and make more interest for the bank. So they ignore!

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 monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint to TransUnion concerning inaccurate information on my credit file that has not been properly validated, confirmed for accuracy, or physically verified. 

Upon reviewing my credit report, I identified questionable and potentially incorrect entries that appear to lack proper verification. As a consumer, I have the right to request the prompt removal of such items under both federal and state consumer protection laws. This complaint also serves as a reminder of your obligation to comply with FACTA Title I, Section 151, which outlines the appropriate procedures for handling consumer 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 non-monetary relief
Consumer complaint received 2025-07-26 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: MS

Complaint narrative:
b'I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report.\n\nThe following items do not belong to me and are a result of fraud that I did not authorize:\n\n\nXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-26 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: FL

Complaint narrative:
I am submitting this formal complaint to Experian concerning inaccurate information on my credit file that has not been properly validated, confirmed for accuracy, or physically verified. 

Upon reviewing my credit report, I identified questionable and potentially incorrect entries that appear to lack proper verification. As a consumer, I have the right to request the prompt removal of such items under both federal and state consumer protection laws. This complaint also serves as a reminder of your obligation to comply with FACTA Title I, Section 151, which outlines the appropriate procedures for handling consumer 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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am disputing a charged-off account being reported by Barclays Bank Delaware , account number XXXX. I do not recognize this debt and have never received validation or documentation explaining the origin, terms, or history of this alleged account. 

I was not properly notified of any delinquency or charge-off, and the account appeared on my credit report without prior communication or opportunity to dispute it. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to receive validation and to dispute inaccurate or unverifiable debts. 

I respectfully request that the CFPB investigate this matter and that Barclays Bank Delaware either provide full documentation to validate the debt or remove the account from my credit report entirely.

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 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I sent several emails to this company revoking ACH authorization from my account but they still withdrew the money. When I called them they said they never received the emails even though I verified with them that I had the correct email address. I was informed that my emails may have been going to their junk folder and that may be why they wasnt receiving my emails. I told them I should not be held accountable for them not getting my emails, but they refuse to give my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Date of Birth : XX/XX/XXXX Dear Experian, Equifax, and Transunion I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX The number of days late for this late payment is wrong. 
Please verify and provide proof of my payment history for this account or remove this late payment from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX This account 's payment terms or account type is incorrect. 
Please verify and provide proof of the payment terms and account type or remove this account from my credit report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in 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 non-monetary relief
Consumer complaint received 2025-07-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Date of Birth : XX/XX/XXXX Dear Experian, Equifax, and Transunion I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXXXXXX The number of days late for this late payment is wrong. 
Please verify and provide proof of my payment history for this account or remove this late payment from my credit report. 

XXXXXXXX XXXX XXXX XXXXXXXX This account 's payment terms or account type is incorrect. 
Please verify and provide proof of the payment terms and account type or remove this account from my credit report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in 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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
FOR THE LAST MONTH I HAVE NOT BEEN ABLE TO VIEW MY CREDIT FILE OR CREDIT SCORE. I KEEP GETTING THIS message, We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end.

We are sorry, but we are unable to fulfill your request at this time. 

Get help on social Have a XXXX or XXXX ( formerly XXXX ) account? If you need help, you can chat with TransUnion by sending us a direct message from XXXX or XXXX. 

Our social media support team responds Monday - Sunday XXXX XXXX  - XXXX Eastern Time. 

XXXX @ TransUnion opens in a new tab XXXX, formerly XXXX @ TransUnion opens in a new tab Reach us by Phone Website XXXX XXXX XXXX XXXX Our support team is available Monday Friday XXXX XXXX XXXX XXXX Eastern Time and Saturday Sunday XXXX XXXX XXXX XXXX Eastern Time . Closed on all XXXX  XXXX  observed holidays.

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