vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Immediate Removal of Unverified Collections from My Credit Report Dear CFPB, I am formally disputing multiple collections accounts appearing on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to lack of proper verification. These accounts are negatively impacting my financial standing and must be removed immediately if they can not be verified according to the law. Furthermore, XXXX, XXXX, and XXXX are currently being sued for reporting inaccurate information, which further highlights the necessity of enforcing consumer protections under federal law. 

I request that the CFPB thoroughly review the collections accounts reported by each credit bureau and investigate whether these accounts meet legal reporting standards. I have attached my full credit reports from XXXX, XXXX, and XXXX for your review, with the disputed collection accounts highlighted.

Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681i - Right to Dispute and Verification Requirement : Under the FCRA, any information on my credit report must be accurate, verifiable, and complete. These collection agencies have failed to provide legally required proof of debt ownership and verification. 

If they can not produce original documentation signed by me proving my liability, these accounts must be removed immediately.

FDCPA 15 U.S.C. 1692g - Debt Validation Requirement : Debt collectors must provide validation of any debt upon request. If they fail to provide full validation, they violate the law, and continued reporting of such accounts is illegal.

FDCPA 15 U.S.C. 1692c - Communication Restrictions : Debt collectors are prohibited from contacting me at inconvenient times or places, and any further communication regarding these debts must cease immediately unless proper validation is provided. 

If these debts are not validated, any further attempt to collect or report them violates my rights under federal law.

Unfair Reporting and Re-aging Practices : Some of these collections may have been re-aged to remain on my report longer than legally allowed ( 7 years from the date of first delinquency ). I demand a full investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

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 2025-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Continental Finance Company XXXX XXXX XXXX Department XXXX XXXX XXXXXXXX XXXX, NY XXXX RE : account number : XXXX Claim ID XXXX Subject : Dispute Regarding Fraudulent Charges Request for Reevaluation and Documentation ( As a XXXX cardholder , you wont be held responsible for unauthorized transactions. Whether in store, over the phone, online, or at the ATM, you have the protection of XXXX XXXX Liability promise. ) Dear Sir/Madam, I am writing in response to the email I received on XX/XX/year>, regarding my recent dispute over unauthorized charges made to my XXXX XXXX. According to the terms and conditions of the credit card agreement and the contract, I am not responsible for fraudulent charges, and there is a zero-fraud liability policy for unauthorized charges. 

On XX/XX/year>, I reported my card as lost, and a representative took my affidavit of facts over the phone. Despite this, I received a decision from your dispute department stating, " We have determined that no error has occurred, '' and that " these charges were authorized, and the merchant completed the service requested. '' This conclusion is concerning and appears to be a misjudgment or a sham investigation. 

To ensure the accuracy and fairness of this process, I respectfully request that you provide me with the following documentation related to the investigation : A detailed report outlining the investigation, including the dates of the investigation, the name of the person ( s ) who handled the case, and any communication with the merchant ( s ) involved.

Signed statements under penalty of perjury from the merchant ( s ) who processed the disputed charges, confirming the authorization of the transactions.

Any other relevant materials that substantiate your conclusion that the charges were authorized.

It is my understanding that Continental Finance and XXXX XXXX are committed to resolving disputes fairly and efficiently. XXXX XXXX Liability Protection Therefore, I ask that you reevaluate my case with all necessary documentation to support your claims and provide me with a comprehensive explanation of the investigation process. 

If the charges were indeed unauthorized, I expect these charges to be fully refunded in accordance with your zero-fraud liability policy. ( As a XXXX cardholder, you wont be held responsible for unauthorized transactions. Whether in store, over the phone, online, or at the ATM, you have the protection of XXXX XXXX Liability promise. ) I look forward to your prompt response, as I believe this situation has not been adequately addressed. 

Thank you for your attention to this matter. 


Sincerely, 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 explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-21 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
FOLLOW-UP COMPLAINT regarding my multiple attempts to resolve this issue, CareCredit has refused to acknowledge my complaint, provide any of the requested information, or work towards any resolution whatsoever regarding this matter. They are now intentionally ignoring this issue in an attempt to forcibly and fraudulently default my account. They have already fraudulently lowered my credit limit to my previous balance after I made a large payment, then charged me fees pertaining to this dispute instead of resolving it in a timely manner so I could continue to make my payments as I initially expressed. Since I am being actively defrauded by Care Credit, I can not make any further payments until the issue is resolved. Care Credit is attempting to further penalize me an additional 30 % of my balance as per their original predatory agreement terms, but since they have defaulted on the original agreed upon terms I am unable to pay off the balance before this penalty due to their refusal to immediately stop defrauding and financially abusing me. I will continue documenting this until it is properly escalated and resolved, or I will file a lawsuit.

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 2025-03-21 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:
Due to a security breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries appearing on my credit report without my authorization. These fraudulent entries, which I did not initiate, have negatively impacted my credit standing. Despite my repeated attempts to have these inaccuracies corrected, they remain unresolved, raising serious concerns about the protection of my personal data and the overall accuracy of my credit report. Additionally, I have noticed incorrect late payment remarks that I believe were reported in error. I request an immediate review and correction of these issues to ensure my credit report reflects only accurate and legitimate 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 2025-03-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Request for Charge-Off Removal from Credit Report Dear Sir/Madam, I am writing to request the removal of a charge-off that is currently listed on my credit report. The account in question is : Creditor Name : XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX I acknowledge that this account was charged off due to non-payment, but I would like to provide context and ask for the charge-off to be reconsidered or removed based on the following : 1. Due to a series of unforeseen personal financial difficulties, I fell behind on my obligations. I am now working hard to get back on track and resolve outstanding debts.

2. I am seeking assistance from a certified credit counseling agency to help me manage my debts and improve my financial habits. 
Given that I have or plan to resolve this matter through ( payment, settlement, etc. ), I kindly ask you review and reconsideration of this entry on my credit report. I understand that the charge-off is a serious negative mark, and Im committed to improving my credit standing.

Please let me know what further information or documentation is required to facilitate the removal or adjustment of this charge-off.

Thank you for your time and attention to this matter. I look forward to your prompt response 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 2025-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
This person has ALL my personal information and said Bank of America was going to sue me of put a lien on my house or wages. They said it was from a debit from XXXX. My ex husband filed bankruptcy during that time plus I don't recall dealing with Bank of America. 
The phone number for this attorney is 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 2025-03-21 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: MI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 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 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to dispute inaccurate and unverifiable information on my credit report pursuant to 15 U.S.C. 1681i and to request that this information be immediately removed. I have previously contacted the credit reporting agencies regarding this matter, yet the disputed accounts remain on my report without proper verification.

Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a thorough investigation within 30 days and remove any inaccurate, outdated, or unverified accounts. The following accounts contain errors and should be removed : 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 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 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 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 2025-03-21 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$8.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX  - XXXX - XX/XX/XXXX - {$2400.00} XXXX - XXXX - XX/XX/XXXX - {$10000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$890.00} XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Clearly Jefferson Capital is attempting to scam me out of {$85.00}. Ive done the research. This company is notorious for fraud, bullying, and mayhem. 
I have been a XXXX XXXX customer for decades. My payments are debited automatically so that there can never be a missed payment. 
My credit is stellar. 
I want to thwart these devilish efforts right away before this becomes a legal fight. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal 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