vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems is reporting a collection account for XXXX XXXX on my credit reports. I have disputed this account multiple times with the credit bureaus and directly requested validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Despite my requests, neither Jefferson Capital nor the credit bureaus have provided : A copy of the original signed XXXX XXXX agreement. 
A complete payment history showing how the balance was calculated. 
Proof of legal assignment/ownership showing XXXX transferred this debt to Jefferson Capital .

Instead, the credit bureaus have continued to mark the account as verified without providing documentation. This does not meet the standard of proper verification under FCRA 611 ( a ) ( 7 ) or FDCPA 809 ( b ). 
This account remains unverified and inaccurate. Jefferson Capital is reporting information it can not substantiate, which is damaging my credit and preventing me from accessing fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had six late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payment I've attached a copy of my report to this complaint on the following dates ( XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had six late payments on an account that I was in fact paid on time. the consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payment I've attached a copy of my report to this complaint on the following dates ( XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-09-28 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: NC

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for to ensure accuracy. Here is the item I request you investigate : XXXX XXXX XXXX, account number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for to ensure accuracy. Here is the item I request you investigate : XXXX 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 2025-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Due to trailing XXXX Post-pandemic economic issues I was making late payments on my mortgage for the months of XXXX of 2024. For the months of XXXX, XXXX, and XXXX of 2024 payments were missed so I reached out to Shellpoint for assistance in getting back on track. A loan modification was recommended by a representative on the phone where if I made the next XX/XX/XXXX month 's payments at a slightly higher than typical amount, I'll qualify for the modification that once approved will post those trial payments as having been made on time, and the missed payments would be reported as late not missed. This was not the case. I called and spoke with another rep who informed me that sometimes it happens, but should be rectified by writing a letter to be mailed in, which I did. I only received a letter stating that mine was received and my situation would be investigated. After months of silence, I called again and was told that a XX/XX/XXXX letter was sent stating they had no such obligation to correct reports nor would they entertain any " goodwill '' rectifications even though the initial rep explained otherwise. I have since gotten the letter emailed to me. Additionally, several payments were initialized by me on days where I had plenty of funds but Shellpoint draws at inconsistent intervals so I've since had several payments pinged as late and XXXX Fees applied to my account when my account dipped below the payment amount days later. When speaking with a rep on this, I was told that sometimes they process in XXXX and sometimes in XXXX days, which I feel shouldn't have that inconsistent of processing times.

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 2025-09-28 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: The Bureaus, Inc.
State: SC

Complaint narrative:
I am formally disputing the accuracy and validity of the negative items currently appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 611 ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ) 807-809 ( 15 U.S.C. 1692eg ), you are required to ensure that all information furnished and reported is accurate, verifiable, and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I am formally disputing the accuracy and validity of the negative items currently appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 611 ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ) 807-809 ( 15 U.S.C. 1692eg ), you are required to ensure that all information furnished and reported is accurate, verifiable, and not misleading.

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 2025-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a student loan that I am currently being asked to repay for a school that has since closed. Although the loan is presently in forbearance, I never received the degree or educational benefit that the loan was intended to fund, yet the debt remains on my account. 
It seems unjust and inconsistent with federal protections for borrowers to be required to repay a loan under these circumstances. Federal law recognizes closed school discharge as a remedy when an institution shuts down before students can complete their program. In fact, the Department of Education and the courts have acknowledged this principle in several cases : In XXXX  v. XXXX ( 2022 ), borrowers from XXXX XXXX had their loans canceled after the schools were found to have engaged in misconduct and closed. 
In the case of XXXX XXXX XXXX, students were similarly granted loan discharges after the school shut down, leaving them with debts for programs they could not complete. 
Borrowers from XXXX XXXX XXXX XXXX also received relief under the same principle when the school abruptly closed. 
I respectfully request that the XXXX investigate my case and assist in ensuring that I receive the appropriate loan discharge. Even though my loan is in forbearance, I should not be held responsible for repayment of a loan when the school accepted the funds, failed to provide the promised education, and ceased operations. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX [ Loan Account/Reference Number if applicable ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: NJ

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.

Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX account # XXXX, Account name : XXXX account # XXXX Account name : XXXX account # XXXXXXXX Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXXXXXX account # XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or
incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Texas Deceptive Trade Practices Act and Fraud/Negligent Misrepresentation ( inflated income/approval taint ). After purchasing my vehicle I noticed that my income was changed to almost double of what I make a month and my home was marked off a paid off but I still have a mortgage. The finance company just sent someone to my house yesterday XX/XX/year> and repossessed my vehicle without prior notice. During the tow, the operator used physical force and threats ; XXXX Police Department responded ( XXXX XXXX. XXXX ). 
I did not receive compliant post repossession notices and have since requested an itemized accounting, redemption/reinstatement figures, and preservation of evidence. 
On information and belief, the credit application used to approve the transaction contained an income figure nearly double my actual income ; I did not authorize that number. 
The approval file reflects Monthly Gross Income : {$11000.00} ( on Page 12 of the RouteOne credit app/contract packet ) while also classifying me as Retired. Wrongful Repossession / Conversion ( breach of peace under Tex. Bus. & Com. Code 9.609 ).

B. UCC Article 9 Violations ( defective notices/disposition under 9.6119.615 ; unreasonable sale ).

C. Texas Deceptive Trade Practices Act and Fraud/Negligent Misrepresentation ( inflated income/approval taint ). 
D. FCRA/Furnisher duties ( 15 U.S.C. 1681s2 ( b ) ) failure to reasonably investigate dispute ( as applicable ).

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 2025-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Transworld Systems Inc. is attempting to collect an alleged XXXX XXXX debt and has provided conflicting and inaccurate information. Two letters for the same account ( ending in XXXX, XXXX XXXX  # XXXX ) show different balances : {$5000.00} on XX/XX/year>, and {$5000.00} on XX/XX/year>. I requested full validation, including proof of the debt and explanation of the balance, but they have not provided the information. This violates the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I am requesting that this account be properly validated or removed and that all inaccurate reporting be corrected immediately.

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 2025-09-28 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This charged-off account violates multiple FCRA provisions due to inconsistent data reporting across all three credit bureaus : Date of Last Activity ( different on all 3 bureaus ) Date Opened ( different on all 3 bureaus ) Date Closed ( different on all 3 bureaus ) Date of Last Payment ( different on all 3 bureaus ) Payment History ( different on all 3 bureaus ) LEGAL BASIS FOR REMOVAL : 15 USC 1681e ( b ) - Maximum Possible AccuracyCredit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Inconsistent data across bureaus proves failure to maintain accurate records.

15 USC 1681i ( a ) ( 1 ) - Reinvestigation RequiredUpon dispute, you must conduct reasonable reinvestigation and delete inaccurate information that can not be verified. 15 USC 1681s-2 ( a ) ( 1 ) - Furnisher Accuracy DutyThe furnisher violated their duty to provide accurate and complete information, evidenced by contradictory data across reporting
agencies.

15 USC 1681s-2 ( b ) ( 1 ) ( A ) - Investigation of Disputed InformationAfter dispute, the furnisher must conduct reasonable investigation and report results. Continued inconsistent reporting proves inadequate investigation.

DEMAND FOR DELETION : The contradictory data fields across all three bureaus constitute inaccurate information under 15 USC 1681i ( a ) ( 5 ) ( A ). When information can not be verified as accurate, it must be permanently deleted. Inconsistent reporting proves : Furnisher can not verify accurate dates Data integrity has been
compromised Information fails maximum accuracy standards Account can not be properly verified IMMEDIATE ACTION REQUIRED : Under 15 USC 1681i ( a ) ( 1 ), delete this account within 30 days due to : Inability to verify accurate information Multiple data field inconsistencies Violation of maximum accuracy standards Provide written confirmation of deletion.

NOTICE : Failure to delete inaccurate information subjects you to statutory damages under 15
USC 1681n ( negligent noncompliance ) and 15 USC 1681o ( willful noncompliance ).

Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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:
XXXX XXXX XXXX XXXX  Attn : Credit Reporting/Dispute Department XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Re : Formal Dispute Account # XXXX This letter serves as a formal dispute and demand for immediate removal of the above-referenced account from all consumer reporting agencies.

The account contains wrong dates and amounts are not accurate and is being reported as a repossession despite the fact that no courthouse has ever reported a repossession. This information is false, misleading, and unverified.

Your actions violate federal law, including :
15 U.S. Code 1692c You are prohibited from continued communication on a disputed debt without proper validation.

15 U.S. Code 1692g You are required to provide proper validation of this debt within 30 days of notice. No such validation has been provided.

15 U.S. Code 1681b ( a ) ( 2 ) You may not furnish or use a consumer report without a permissible purpose. Reporting inaccurate, unverified data constitutes a direct violation. 

DEMAND FOR ACTION I hereby demand that XXXX XXXX XXXX XXXX : 1. Immediately remove this account from Experian, Equifax, and TransUnion within 15 days of receipt of this letter.

2. Provide written confirmation that the account has been permanently deleted.

3. If you claim this account is valid, provide all original documentation with my signature and official court records that substantiate your claim.

If you fail to comply, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

This is my final notice. You have 15 days to comply. 

Sincerely, [ XXXX XXXX ] [ XX/XX/year> ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  Attn : Credit Reporting/Dispute Department XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Re : Formal Dispute Account # XXXX This letter serves as a formal dispute and demand for immediate removal of the above-referenced account from all consumer reporting agencies.

The account contains wrong dates and amounts are not accurate and is being reported as a repossession despite the fact that no courthouse has ever reported a repossession. This information is false, misleading, and unverified.

Your actions violate federal law, including :
15 U.S. Code 1692c You are prohibited from continued communication on a disputed debt without proper validation.

15 U.S. Code 1692g You are required to provide proper validation of this debt within 30 days of notice. No such validation has been provided.

15 U.S. Code 1681b ( a ) ( 2 ) You may not furnish or use a consumer report without a permissible purpose. Reporting inaccurate, unverified data constitutes a direct violation. 

DEMAND FOR ACTION I hereby demand that XXXX XXXX XXXX XXXX : 1. Immediately remove this account from Experian, Equifax, and TransUnion within 15 days of receipt of this letter.

2. Provide written confirmation that the account has been permanently deleted.

3. If you claim this account is valid, provide all original documentation with my signature and official court records that substantiate your claim.

If you fail to comply, I will have no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your willful violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

This is my final notice. You have 15 days to comply. 

Sincerely, [ XXXX XXXX ] [ XX/XX/year> ] [ 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 2025-09-28 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: IL

Complaint narrative:
I was scammed by some 1 pretending to be a loan officer i gave them my information and they used it to hack into my bank account and reverse payment and tell me that they are depositing money into my account for my loan and I must send it back to them before they emberse the loan and I send it back to them when I c a message from chase bank I look in my account then I c that the person pretending to be a loan officer scammed me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank has filed legal motion against myself even after I attempted to request information on a settlement. I received that information, but after the payment due date, and because of that I received another court date notice. Is Synchrony Bank authorized to persure me on the State level when it is a Federal entity?

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