vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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:
On XX/XX/XXXX, I mailed Experian a dispute about their reporting of an account for XXXX  XXXX or XXXX XXXX ( account XXXX XXXXXXXX XXXX XXXX ) that was sent via USPS Certified Mail. During the overnight hours of XXXX, I received an email from Experian that my dispute has been completed. According to this, " The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. '' Currently, there are still substantial issues with the accuracy of reported information, as well as misleading or confusing information after Experian conducted what was supposed to be a reasonable reinvestigation. The concerning information includes : 1 ) Conflict between the Payment History and the " On Record Until '' date on their own report - The Payment History shows that the first payment that isn't " Current/Terms met '' is 30 days late for XX/XX/XXXX, which establishes the Date of First Delinquency ( DOFD ) as XX/XX/XXXX. However, the report states that the account is " On Record Until XX/XX/XXXXXXXX  '', which implies a DOFD of XX/XX/XXXX. Experian can not simultaneously state a payment history that indicates a XX/XX/XXXXXXXX  DOFD while maintaining an " On Record Until '' date that aligns with a XXXX DOFD. This fundamental inaccuracy reveals that either the " On Record Until '' date OR the Payment History is incorrect even after a reinvestigation. Certainly, removing it in XX/XX/XXXX is better for me than XX/XX/XXXX, but I feel that the CRA 's mandate of accuracy is not upheld here. 2 ) Balance History - Under " Balance Histories '' and the " Paid '' column, the line " {$0.00} on XX/XX/XXXX '' is repeated from XX/XX/XXXX to XX/XX/XXXX, which indicates either another inaccuracy or, at the very least, a failure to maintain clear, up-to-date factual information.

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 2025-06-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Jefferson Capital Systems LLC XXXX. XXXX XXXX XXXX XXXX, MN XXXX XXXX Subject : Dispute of Charge-Off Reporting for Account # XXXX Dear Jefferson Capital Systems LLC , I am writing to formally dispute the reporting of a charge-off associated with the above-referenced debt on my credit report. Upon reviewing the debt purchase history, it appears that Jefferson Capital Systems LLC acquired this charged-off receivable from a prior creditor. Such an acquisitionand any subsequent assignmentsmust be fully documented to establish your authority to report this account under the Fair Credit Reporting Act ( FCRA ) Additionally, I have identified multiple inconsistencies in the tradeline data you furnished to XXXX XXXX XXXX XXXX, which further undermine the legitimacy of the reported charge-off and harm my consumer profile.

Specifically, I am disputing the following : Accuracy of Charge-Off Reporting : As a purchaser of charged-off receivables, you are required to maintain and produce a clear chain-of-title that confirms your right to report this debt. Absent such documentation, the continued reporting of a charge-off may be inaccurate and in violation of FCRA 623 ( a ) ( 5 ).

Validation of Debt Ownership & Reporting Authority : I request detailed, debt-level documentation, including the assignment or purchase agreement ( s ) with dates, purchase price, identity of the original creditor, and any subsequent transfers, to substantiate your reporting authority. 
Potential Double Recovery : If the original creditor and/or subsequent purchasers ( including Jefferson Capital Systems LLC ) have already been compensated for this debt through sale or securitization, you may be misleading credit reporting agencies by maintaining a charge-off on this account. 
For your reference, Jefferson Capital Systems LLCs Employer Identification Number is XXXX Please conduct a thorough investigation and provide a written response within 30 days, as required by the FCRA. If you can not validate the legality and accuracy of this charge-off reporting, I demand that you immediately remove this derogatory entry from my credit reports with all major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX reddit.com Subject : Dispute of Charge-Off Reporting for Account # XXXX Dear Discover Financial Services, I am writing to dispute the reporting of a charge-off associated with the above-referenced account on my credit report. As a member of Discover Financial Services , Inc. ( EIN : XXXX ), you are required under the Fair Credit Reporting Act to ensure that all information you furnish is accurate and supported by appropriate documentation. 

Upon review of my credit file, I have identified several concerns that call into question the legitimacy of this charge-off : Authority to Report : I request a complete chain-of-title showing any transfer, sale, or securitization of this receivablestarting with the original creditor through every subsequent assigneeto verify that you have the legal right to report this debt as charged-off.

Validation of Debt Ownership : Please provide a copy of the original account agreement, any assignment or purchase contracts, and documentation of the balance at the time of each transfer.

Prevention of Double Recovery : If this debt was sold or securitized, please confirm whether Discover Financial Services received payment or other compensation for it, and explain how you have avoided any duplicative recovery.

Please conduct a thorough reinvestigation under FCRA 611 and notify me in writing of your findings within 30 days. If you can not substantiate the accuracy and legal basis of this charge-off reporting, I demand that you remove this derogatory entry from my credit reports with XXXX XXXX, and XXXX immediately XXXX 

Failure to address this dispute promptly and accurately may leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and pursue all available legal remedies.

Thank you for your prompt attention to this matter. I look forward to your written response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

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 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: MO

Complaint narrative:
In checking my credit report on Experian, I discovered a Collections account with United Revenue for {$770.00}. This is not my account. There is a name ( which is not mine ) listed associated with that account on my profile. I have never used or gone by that name. There is also an address associated with that account where I've never lived. The account was opened in XX/XX/year>. I have never received any notifications about the fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/year> a call from Barclays bank credit card and text about a possible fraud charge of {$310.00}. I did let them know this was not my charge. Barclays bank approved the charge anyway. I spoke with an agent and said that we were both have our cards in our possession and we were both at work at the time the charges were being made at XXXX. I disputed the charges and closed the account and had a new card issued. on XX/XX/year> they notified me that the XXXX verified the charges were mine. They are NOT mine. Barclays refused to provide the " documentation '' that XXXX claimed proved it was my charge. I do not have a XXXX account. They would not provide deliver address, items ordered or where it was ordered from. They are not showing proof that this is INDEED my charge. I re-opened the claim and disputed the claim again, asking for a copy of the receipt. Reference number XXXX from Barclays bank credit card. Barclays Bank refusing to send me proof that this charge is mine. It is not mine so they can't have anything that says I placed an order with XXXX .. com Pulled statements from last 3 months no charges showing on any statement or that there was a provisional credit made.

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 2025-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Inquiry on my credit report that I do not recognize from Capital One on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: American Credit Acceptance, LLC
State: NC

Complaint narrative:
The account in question is violates XXXX XXXX by reporting both a charge-off status and past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
In late XXXX I purchased a service and the person never showed. I talked to cash app and they did not give me a refund as well as talked to the person who did not show up and i got scammed. Cash app said no you didnt and no money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: GA

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 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To : _Consumer Financial Protection Bureau From : XXXX XXXX Phone : records _ Fax : Cell : _Communications _ E-mail : consumer.ftc.gov Re : XXXX XXXX XXXX XXXX XXXX reportFraud.ftc.gov Attention : TO WHOM IT MAY CONCERN : _Communications : _ Fraud Department : only Return requested priority 1-3 : Mail_x Fax___ Call__X_ e-mail__ None___ Other___ Comments : Reference : XXXX # XXXX XXXX XXXX Police Dept # XXXX XXXX ( she ), report, was submitted to the police department on XX/XX/2025, on theft and fraud charges on XXXX XXXX XX/XX/2025, address as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. XXXX XXXX stole CC out of mailbox and online with XXXX XXXX information and used her Credit Cards ( CC ) to Change addresses on all CC and get new ones online and charge them with her own expenses and manipulate the billing to go to ( her ) XXXX XXXX own address and using XXXX XXXX name to keep on auto-pay billing to pay all of her bills to XXXX banks. 
Proof of this action is on the CC, illegal action and theft is in the billing statements are enclosed to show transactions actions. XXXX XXXX has repeated theft on multiple cards with XXXX banks paying Bills, as if she had completed these transactions. Grand theft of over $ XXXX, also XXXX XXXX cashed a refund of {$1900.00} in XXXX XXXX name sent to XXXX XXXX address, by, Capitol One, and was cashed by the assailant. Thia occurred after XXXX paid the CC down. A single credit card is linked. More than {$35000.00} on Capitol One and other companies and clients were affected by this theft. XXXX XXXX score was destroyed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1700.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$350.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Inquiries 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 2025-06-12 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I have an XXXX credit card through Comenity Bank with a balance of approximately XXXX. I have been making a XXXX to XXXX payment monthly for approximately XXXX years and can not put any new charges on the account. The balance on this account has remained at around XXXX for XXXX years even though I am making monthly payments. They are adding unreasonable interest charges every month when the payment is made on time, and occasionally a payment doesn't get credited to this account. I have totalled up the payments I have made which totals around XXXX. It is pointless and difficult to keep trying to pay this account off with monthly payments that are going only to their unreasonably high interest rates and late fee gouging, and I can not afford to pay the balance in full. 
I am requesting some form of fair settlement from Comenity Bank so this account can be closed. This situation has affected my credit negatively and I have worked hard to keep my credit scores up.

Company response to consumer: Closed with explanation