vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MA

Complaint narrative:
To Whom It May Concern, This letter concerns the collection account you are currently reporting under account number XXXXXXXX XXXX, with an alleged balance of {$550.00}, which appears on my XXXX  credit report as Collection/Chargeoff Derogatory. 

Despite your continued furnishing of this account to consumer reporting agencies, you have failed to provide competent and lawful validation of this alleged debt as required under XXXX U.S.C. XXXX ( b ). To date, no documentation has been produced demonstrating that I owe this debt, that the amount reported is accurate, or that your company has the legal authority or standing to collect it. 

Nonetheless, you continue to report this account as an open collection, thereby causing ongoing damage to my credit reputation. This conduct constitutes continued collection activity without validation and is a direct violation of federal law. 

Your actions violate, but are not limited to, the following provisions : FDCPA XXXX ( b ) Continuing collection activity, including credit reporting, without providing proper validation after a dispute. 
FDCPA XXXX ( XXXX ) ( A ) False and misleading representation of the character, amount, and legal status of the alleged debt. 
FDCPA XXXX ( XXXX ) Attempting to collect or report amounts not expressly authorized by any agreement or permitted by law. 
FCRA XXXX ( b ) Failure to conduct a reasonable investigation and continued furnishing of unverified and inaccurate information to consumer reporting agencies. 

These violations are willful and negligent in nature and have caused measurable financial harm, emotional distress, and reputational injury. I currently estimate damages at {$2500.00} in actual harm, in addition to statutory damages of up to {$1000.00} per violation as permitted under federal law. 

Because you have failed to validate this alleged debt and continue to report it inaccurately, I am demanding the immediate deletion of this account from all consumer reporting agencies to which you have furnished information. 

If this account is not deleted promptly, I am prepared to escalate this matter through regulatory complaints and further legal action without additional notice. 

This letter is not a refusal to pay, but a formal notice of dispute and demand for compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I am filing this complaint to dispute inaccurate and unverifiable information appearing on my Experian credit report. Despite prior disputes, these errors continue to be reported, which is causing ongoing harm to my credit profile. 

Charged-Off Accounts in Dispute XXXX XXXX Account XXXX. XXXX ( Opened XX/XX/XXXX, Balance {$230.00} ) XXXX XXXX XXXX Account No. XXXX ( Opened XX/XX/XXXX, XXXX {$650.00} ) Possible Finance Account No. XXXX ( Opened XX/XX/XXXX, Balance {$89.00} ) XXXX XXXX Account No. XXXX ( Opened XX/XX/XXXX, XXXX {$0.00} ) These accounts are being reported with conflicting dates, balances, and statuses across bureaus, which strongly indicates inaccurate or incomplete reporting. I dispute the accuracy and request full validation, including original contracts and payment histories. 

Inquiry in Dispute XXXX Inquiry dated XX/XX/XXXX I did not authorize this inquiry. If Experian can not provide documentation showing permissible purpose, this inquiry must be removed. 

Late Payments in Dispute XXXX XXXX Account Nos. XXXX, XXXX, XXXX Late payments are being reported without proper context and do not reflect accurate account activity. This reporting is misleading and violates FCRA accuracy standards.

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 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I was a co-signer on my daughter 's and son-in-law 's rental. XXXX XXXX wrongfully evicted them and others from the building, and the sheriff is investigating. They said they did not pay their rent, but they did and have proof. They are saying the rent increased after the lease ended, but the lease had not ended. National Credit System sent me a letter and I sent a reuest for chain of custody on XX/XX/year> by certified mail. The certification was returned to me XX/XX/year>. I have not received the documentation or any other communication. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( XXXX ) XXXX NATIONAL CREDIT SYSTEM XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  RM Account number : XXXX XXXX XXXX SVC XX/XX/XXXX XXXX XXXX SERVICE XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FINANCI XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  FIN XX/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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX U.S.C. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  RM Account number : XXXX XXXX XXXX SVC XX/XX/XXXX XXXX XXXX SERVICE XX/XX/XXXX XXXX FINANC XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FINANCI XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  FIN XX/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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this dispute due to inaccurate, incomplete, and unverifiable information appearing on my TransUnion credit report. These items are negatively affecting my creditworthiness and require immediate reinvestigation. 

Charged-Off Account Disputes XXXX XXXX Account XXXX. XXXX ( Reported XX/XX/XXXX, Balance {$260.00} ) XXXX XXXX XXXX Account No. XXXX ( Reported XX/XX/XXXX, Balance {$10000.00} ) Unauthorized / Unverified Inquiries XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Late Payment Disputes XXXX  XXXX XXXX  Account No. XXXX XXXX XXXX Account Nos. 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 2025-12-22 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:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
The credit bureaus are reporting an account on my credit report that does not belong to me. This account is in reference to XXXX XXXX. 
Experian reporting : XXXXXXXX XXXX XXXX TransUnion reporting : XXXXXXXX XXXX XXXX XXXX XXXX Equifax reporting : XXXXXXXX XXXX XXXX XXXX XXXX  The correct account number can be proven wrong by the payments history report I received directly from XXXX XXXX attached. I have disputed this item several times and the credit bureaus are claiming the account has been verified as accurate. Each of them are violating my right to accurate credit 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 2025-12-22 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: TX

Complaint narrative:
The credit bureaus are reporting an account on my credit report that does not belong to me. This account is in reference to XXXX XXXX. 
Experian reporting : XXXXXXXX XXXX XXXX TransUnion reporting : XXXXXXXX XXXX XXXX XXXX XXXX Equifax reporting : XXXXXXXX XXXX XXXX XXXX XXXX  The correct account number can be proven wrong by the payments history report I received directly from XXXX XXXX attached. I have disputed this item several times and the credit bureaus are claiming the account has been verified as accurate. Each of them are violating my right to accurate credit 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 explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts TXU XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00} Inquiries XXXX CARD Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXX CAP XXXX NA Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting inaccurate charged-off accounts, late payments, and an inquiry without conducting a reasonable reinvestigation as required under the FCRA. 

Charged-Off Accounts in Dispute XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX | Opened XX/XX/year> | Balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  | {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$1200.00} XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  | {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$13000.00} XXXX / XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX  | {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  | {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$730.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | {$420.00} Inquiry in Dispute XXXX XXXX  This inquiry was not authorized by me and lacks documented permissible purpose. 

Late Payments in Dispute 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 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 2025-12-22 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: MA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: FC HoldCo LLC
State: OH

Complaint narrative:
Flagship Credit Acceptance financed my vehicle loan for a XXXX XXXX XXXX XXXX. The loan opened on XX/XX/XXXX and had extremely high interest, and despite making payments I was barely reducing the principal. The vehicle later became unusable due to a manufacturer recall, and I was without the car while trying to resolve the recall issue. 

When I attempted to trade the vehicle in at XXXX XXXXXXXX ( Ohio ) dealership, I was told multiple times that Flagship was not reporting the loan at all and it did not appear on my credit. I contacted Flagship and they stated they report every 30 days, yet the dealership again later confirmed the loan did not show as existing. 

After the vehicle was totaled in a deer accident, I again needed financing and once again was told the bank did not seem to have the loan on file. Only much later Flagship suddenly reported the account and sent a letter saying the account was reported as of XX/XX/XXXX, which matches the Date Updated now on my XXXX  report. My XXXX  report shows : Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Significant gaps in payment history reporting This delayed, inconsistent, and sudden reporting is misleading and affected financial decisions I made. I was also left with a remaining balance after insurance and GAP, and Flagship told me the case would likely be reviewed for full waiver due to the unusual situation. I was instructed to call back multiple times, stalled, hung up on, and then eventually told they would not waive it while interest continued growing. 

I am requesting investigation into Flagships reporting and servicing practices and I am requesting the remaining balance be waived and the account closed so I can move on from this situation. Their handling of this has been unfair, inconsistent, and harmful. 

I have documentation showing the reporting delay and my XXXX  credit report showing the sudden XX/XX/XXXX reporting update.

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