vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : SECOND NOTICE Formal Demand to Delete Unauthorized and Inaccurate Account Re : Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, This letter serves as a second formal demand for the immediate deletion of the account referenced above, which appears on my credit report as : Opened : XX/XX/XXXX Charged off : {$120.00} as of XX/XX/XXXX Credit Limit : {$300.00} Balance History : No payments recorded ; inaccurately marked XX/XX/XXXX days late Reported Status : Previously in dispute investigation complete This account is unauthorized, inaccurate, and was reported and verified without my consent, contract, or proper legal documentation. You are continuing to misreport derogatory information using my personal identifying information ( including my Social Security number ) in violation of federal law.

VIOLATIONS OF FEDERAL LAW 1. Fair Credit Reporting Act ( FCRA ) 1681e ( b ) You failed to maintain reasonable procedures to ensure the accuracy of the data reported.

1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information is a direct violation.

1681c-2 ( Section 605B ) As this account is tied to unauthorized activity or identity misuse, you must block and delete the data upon my request. 

1681i ( a ) You failed to properly reinvestigate my dispute submitted in May 2025, as the data remains unchanged and inaccurate.

2. Fair Debt Collection Practices Act ( FDCPA ) If this account has ever been assigned or transferred to collections : 1692e ( 8 ) Reporting or continuing to report information known to be false or disputed without proper verification constitutes deceptive and misleading collection.

1692d and 1692f The continued attempt to damage my credit with false account status and charge-off is unfair and harassing conduct under the FDCPA. 

3. Uniform Commercial Code ( UCC ) 3-501 No valid presentment of debt or instrument has been made to me.

1-308 I reserve all rights and do not waive any rights through silence or previous disputes. No wet-ink signature or contract exists.

You can not enforce or report a financial obligation without proper authentication, consent, or valid consideration. 

CASE LAW IN SUPPORT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Credit bureaus and furnishers must conduct thorough investigations and not rely solely on automated confirmations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Failure to follow accurate reporting procedures creates liability under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Furnishers are liable for incorrect reports when they dont correct inaccurate data after a consumer disputes it. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally report a case of identity theft and unauthorized commercial use of my personal information by Early Warning Services , LLC. I recently became aware that Early Warning Services has obtained, shared, and potentially sold my personal and financial information without my knowledge or consent. At no time did I authorize Early Warning Services to collect, distribute, or monetize my personal identifiable information. This action constitutes a violation of my privacy rights and potentially a breach of the ( FCRA ) and identity theft statutes enforced by the FTC. As a result of their actions, I believe that my identity has been exploited for monetary gain by a third-party entity operating under the guise of consumer risk reporting. I have never applied for services that would warrant Early Warning Servies to possess or process my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This letter is a formal request for validation of the debt you are attempting to collect. I am writing to you under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXXg, which requires you to validate this debt. I dispute this debt and demand strict proof of its validity. I am requesting that you provide me with the following information and documentation to validate this alleged debt : 1. The exact amount of the debt, with an itemized breakdown of the principal, interest, fees, and any other charges.

2. The name and address of the original creditor.

3. Proof that I am the person obligated to pay this debt.

4. Proof that you are licensed to collect debts in my state ( if applicable ). 
5. Proof that you are the current owner of this debt or have the legal right to collect on it, including a copy of the original agreement or contract bearing my signature.

6. A copy of any judgment if the debt is based on a judgment.

7. The date of the original transaction or last payment.

8. The date this account was opened by the original creditor. 
Until you provide full validation of this debt as requested, you must cease all collection activities, including contacting me or reporting this debt to any credit reporting agency. If you have already reported this debt to any credit reporting agency ( such as XXXX XXXX XXXX XXXX ), I demand that you immediately notify them that the debt is disputed. Please be advised that if you fail to provide the requested validation within 30 days of your receipt of this letter, I will assume the debt is not valid, and you must cease all collection efforts and remove any negative marks from my credit report related to this debt. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I wanted to get myself a birthday gift so I decided to get a camera. I found this online shop and XXXX  ( XXXX ) XXXX XXXX. I asked to make payment for the XXXX camera and he took XXXX dollars from me. The next day he blocked me claiming he can't continue business with me anymore. I called my bank immediately because the transaction was still pending and told them to.stop it but they didnt. Until the money was sent and I never received anything. A XXXX and a XXXX which he /she said was for delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
I have identified serious billing errors under XXXX U.S. CXXXX XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

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 2025-07-17 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: Fig Tech Inc.
State: LA

Complaint narrative:
In XX/XX/XXXX, I took out a loan with FIG TECH INC for {$600.00}, with a XXXX repayment term. The account was closed on XX/XX/XXXX. However, my credit report currently shows a balance of {$1000.00}, which is nearly double the original loan amount, despite the account being marked as closed. 

Additionally, the report inaccurately states that I have paid off XXXX XXXX of the loan, which is not possible. It also reflects XXXX XXXX on-time payments. I believe there has been a serious reporting error or unjust accumulation of fees that were never disclosed or agreed to. 

I am requesting that FIG TECH INC correct the balance, payment status, and any inaccurate derogatory information being reported to the credit bureaus. I have attempted to resolve this issue, but the errors remain. This misinformation is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as an consumer.

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 2025-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: HI

Complaint narrative:
I am submitting this complaint against Discover Bank for unjustly withholding a large wire transfer ( {$45000.00} ) initiated on XX/XX/XXXX. Despite numerous inquiries and escalation attempts, Discover has failed to provide a formal explanation, justification, or written communication regarding the review and hold. This has caused financial hardship and unnecessary stress. 
Timeline of Events XX/XX/XXXX Wired large sum to Discover Bank. Transaction confirmed by the originating institution. 
XX/XX/XXXX Attempted to reverse the transfer ; Discover blocked the attempt and flagged the transaction for review with no explanation. 
XX/XX/XXXX Called Discover daily for updates. Repeatedly told to expect a formal letter in a few days. None provided. 
XX/XX/XXXX Sent secure messages requesting transparency. On XX/XX/XXXX, Discover stated funds would be held until XX/XX/XXXX, with no rationale or documentation. 
XX/XX/XXXX, XXXX, XXXX Follow-up messages sent reiterating concern. No meaningful response. 
XX/XX/XXXX Attempted again to wire funds back to originating account. Discover blocked the transaction, stating review was still pending. 
XX/XX/XXXX Spoke with Discover supervisor who admitted no knowledge of review status and advised me to continue waiting. Still no letter or resolution. 
Desired Resolution Immediate release of held funds Written explanation for the hold and review process Assurance that no adverse actions will be taken against my account Review of Discovers handling practices to prevent recurrence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 have reason to believe that the collection account reported under my name was a result of identity theft. I have no knowledge of this account and did not authorize or benefit from the associated activity.

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 2025-07-17 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 am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA XXXXi ( a ) ( 5 ). 
This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA XXXX ( a ) / XXXX U.S.C. XXXXi, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 


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 explanation
Consumer complaint received 2025-07-17 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: CL Holdings LLC
State: FL

Complaint narrative:
am filing this complaint against Jefferson Capital Systems LLC for violating the Fair Credit Reporting Act ( FCRA ) by re-aging a debt in an attempt to make it appear newer than it truly is. 

On my credit report, Jefferson Capital is listing a debt originally owed to Badcock as Opened on XX/XX/XXXX, and reported as of XX/XX/XXXX, even though the actual debt is much older and had already fallen into default years prior. This is a clear attempt to reset the 7-year credit reporting clock, which is illegal under FCRA Section XXXX ( c ). 

I have already disputed this with the credit bureaus, and Jefferson Capital continues to report this account inaccurately. I am requesting that the CFPB investigate Jefferson Capital and require them to : Remove or correct the inaccurate information Cease all attempts to collect on this time-barred debt Cease reporting the debt if it is beyond the XXXX limit Attached is a screenshot from my XXXX XXXX account showing how the debt is misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I am submitting this complaint because Affirm Inc. has failed to respond to my formal requests regarding multiple accounts that were fully paid and closed, but are still being reported on my credit report. 

The accounts in question are : Affirm Account ending in XXXX Opened XX/XX/XXXX Marked Paid, Closed as of XX/XX/XXXX Affirm Account ending in [ XXXX ] Affirm Account ending in [ XXXX ] I contacted Affirm directly and submitted a Goodwill Deletion Request asking them to remove these paid accounts from my credit report since they were fully satisfied, and Im currently rebuilding my credit. 

Instead of receiving a proper response, I only received a generic automated email survey, and no resolution or follow-up has been provided. 

I am requesting that the CFPB assist in getting a formal response from Affirm, and help ensure they either : Remove these accounts from my credit report ( as a goodwill gesture ), Or at minimum, provide a formal written answer explaining why they will not do so. 

Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXXe ( b ) and XXXX USC XXXXi, 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 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 2025-07-17 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:
I am filing this complaint regarding an unauthorized and inaccurate collection account being reported on my credit report by Experian. I previously submitted a formal cease-and-desist request to the debt collector under the Fair Debt Collection Practices Act ( FDCPA ), specifically XXXX U.S.C. XXXXc ( c ), which legally requires them to stop all communication with me. Despite this request, the collector continues to report this account to the credit bureauan action that not only violates my cease-and-desist rights but also continues to harm my credit standing. This ongoing reporting constitutes indirect communication and is having a negative impact on my credit profile and overall financial well-being.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I sent a formal " Notice of Dispute with Debt Validation, and Cease and Desist demand to Credit Control. In the notice, I disputed the alleged debt in its entirety, I requested debt validation, and demanded the stop communicating with me until they provided debt validation. I requested proof of a contract or agreement between myself and Credit Control , LLC and the signed contract between myself and the original creditor. They did not provide me with debt validation as requested. Their lack of debt validation, unauthorized communication, and continued collection attempts are unacceptable and unlawful.

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 2025-07-17 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: GA

Complaint narrative:
I am a victim of identity theft, and my information has been stolen and mishandled by Equifax credit bureau. There are several fraudulent accounts that I would like to file a complaint on that are reporting to my credit report. Here are the fraudulent accounts. 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

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 2025-07-17 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: EdFinancial Services
State: SC

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action for the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation