vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This communication is to dispute the fraudulent accounts currently listed on my credit profile. I have never authorized, opened, or managed these accounts, and their inclusion is inaccurate and harmful. Their presence on my credit report misrepresents my financial conduct, causing unnecessary damage to my reputation and limiting my fair access to credit.

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 2025-09-16 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding is reporting a collection account [ XXXX ]. The balances, dates of first delinquency, and status are inconsistent across different credit bureaus. This violates the Fair Credit Reporting Act 607 ( b ), which requires information furnishers to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint regarding Jefferson Capital Systems, which is reporting inaccurate and unverified information on my credit file. Their reporting practices are in violation of federal consumer protection laws, and I respectfully request an immediate investigation and permanent deletion of this tradeline. 

Violations and Concerns : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b & 1681s-2 Jefferson Capital Systems is furnishing information to the credit bureaus without ensuring maximum possible accuracy.

They have failed to provide proper validation or documentation of the alleged account, as required under the FCRA.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Upon request for debt validation, Jefferson Capital Systems did not provide competent evidence that I am legally obligated to this alleged debt. 

Continuing to report this item without proper verification constitutes collection activity that violates my consumer rights.

Consumer Rights I have disputed this account directly with the credit reporting agencies and with Jefferson Capital Systems. Despite the lack of verification, the account remains on my credit reports, damaging my creditworthiness and financial stability.

Requested Resolution : I am requesting that the CFPB enforce my rights under the FCRA and FDCPA by requiring Jefferson Capital Systems to immediately delete this inaccurate and unverified account from all consumer reporting agencies. 

Additionally, I request written confirmation that this account has been removed and will not be reinserted in the future without full compliance with all applicable laws. 

I trust the CFPB will take action to ensure that Jefferson Capital Systems adheres to the law and that my consumer rights are fully protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

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 2025-09-16 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: CA

Complaint narrative:
This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities. 

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-16 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Experian XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Unauthorized Hard Inquiry Request for Removal To Whom It May Concern, I am writing to dispute the following unauthorized inquiry on my credit report : XXXX XXXX XXXX This inquiry was not authorized by me, nor does it meet the permissible purpose requirements under * * FCRA 604 * *. As provided under * * FCRA 611 * *, I am requesting an immediate investigation into this matter.

Please provide proof that this inquiry was made with my written authorization or permissible purpose. If you can not provide such proof, I demand that the inquiry be removed from my credit file as required by law.

In addition, under * * FCRA 609 * *, please disclose the name, address, and purpose for which this party accessed my credit file. 
I expect compliance within the 15-day period allowed by law. Please send me written confirmation once this inquiry has been removed. 

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
On XX/XX/2025, I disputed {$91000.00} in unauthorized charges by XXXX XXXX  with JPMorgan Chase. Chase denied the claim without a reasonable investigation. ( they admitted they never contacted the merchant ). I submitted new evidence, including a police report, FTC Identity Theft Report, and a formal Reg Z demand letter. 
On XX/XX/2025, Chase left a voicemail stating they received my original CFPB complaint and their research was pending. 

Then, hours later, a Chase fraud department rep named XXXX confirmed that my dispute was reopened under the same case number ( XXXX ), my documents were attached, and that a provisional credit would be applied under Reg Z. However, my online portal still showed the case as closed, with no credit applied, and now today Chase has closed my entire account leaving me without any banking access while I am the victim of fraud.

ADDITIONAL FACT : Through my own investigation, I found out that the merchant in question, who caused the damage, requires XXXX  verification ; I never registered or passed XXXX, because I never used the merchant, which proves I could not have authorized the transactions. Chases actions violate Regulation Z ( 12 CFR 1026.13 ) by failing to provide provisional credit within 10 business days, providing contradictory information, and retaliating by closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
XXXX XXXX {$11000.00} XX/XX/XXXX. In an accordance with the fair credit reporting act, the list of account ( s ) above violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should 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 ( i ) ( 5 ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

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 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: OKX INC.

Complaint narrative:
On the XXXX of XX/XX/year>, XXXX which operates as OKCoin USA Inc placed a restriction on my account that prevents me from accessing my money and says they're placing it under a mandatory 60 day investigation lock. While I do understand the need to comply with AML laws to ensure a safe trading environment for everyone there is no law that stipulates the investigation period must be 60 days and XXXX  is providing no way to expedite this process and is refusing all communication regarding the issue with copy/paste default statements. 

I make a very small amount weekly and I am already under severe financial strain, this hold on my funds will make it impossible for me to pay my rent this week and the following fallout that will ensue. 

I am in no way able to sustain such an impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: TN

Complaint narrative:
I disputed the record showing as delinquent on my credit report and requested it be removed under FCRA623 ( a ) 1 ( A ), pass due amount on a charged off account. The past due amount is still showing delinquent and not removed. I never received a 1099c from the debt. I am requesting that it be deleted from all three credit bureaus for this reason. Instead the company mailed discover card statement from inception to write off date XX/XX/XXXX. Statement dates XX/XX/XXXX, thru XX/XX/XXXX balance XXXX. I later received a letter dated XX/XX/XXXX stating that it was being reported correctly and had an amout of {$2600.00}. I am requesting removal for FCRA623 ( a ) 1 ( A ) for charge-off and inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MD

Complaint narrative:
I am submitting this formal dispute regarding inaccurate late payment entries that have appeared on my credit report without proper substantiation. My thorough examination of personal financial records reveals discrepancies between what is being reported and my actual payment history for the accounts in question. More than thirty days have elapsed since I initially contacted your organization requesting verification and documentation of these alleged delinquencies, yet no adequate response or supporting evidence has been provided. The continued reporting of these unverified late payments is damaging my credit profile and requires immediate correction to restore accuracy to my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
These accounts do not belong to me. If you can not verify them with documented proof from the original creditor, you are legally required to remove them within 30 days. 

Please provide me with written confirmation of the results of your investigation and a copy of my corrected credit report.

Company response to consumer: Closed with explanation