vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I mailed a written debt validation request to Jefferson Capital Systems on XX/XX/year>, regarding an alleged XXXX XXXX account they claim I owe. The letter was delivered shortly thereafter, and as of today ( over three weeks later ), they have failed to provide adequate documentation to validate the debt. 

Despite my written request, they continue to attempt to collect or maintain this account without supplying : A copy of the original signed agreement, An itemized account statement, and Proof of chain of assignment from XXXX XXXX to Jefferson Capital Systems. 

This conduct violates my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), which requires that all collection activity cease until the debt is validated. 

I am requesting that Jefferson Capital Systems provide complete validation of the debt, or that the account be removed from my credit report and all collection activity halted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Winklevoss Exchange LLC
State: GA

Complaint narrative:
my account was suspended the first time for no reason but it got unsuspended after a few days then i made a dispute because my card was getting charged but i wasnt getting the items i paid for so i started disputing the charges that came to my card and i guess they suspended it cause of fraudulent activity but it wasnt fraudulent it was me and was confirmed by me and my account hasnt been recovered/reactivated yet please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
This complaint is related to my prior Equifax complaint # XXXX regarding the XXXX XXXX XXXX XXXX XXXX. I am filing this separate complaint regarding the XXXX XXXX XXXX collection account being reported by Equifax. I mailed Equifax a certified dispute with proof of identity and requested validation. Equifax then mailed me a letter stating the account was verified, but they provided XXXX documentation, NO method of verification, and NO proof from the furnisher.

This violates FCRA 15 U.S.C. 1681i and 1681g, which require a reasonable reinvestigation and disclosure of the method of verification.

Even though Equifax mailed a verified conclusion, the CFPB portal still shows company is researching. These two conflicting statuses show intentional delay. Equifax has exceeded the statutory time limit and refuses to provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX, XXXX, as the authorized representative for XXXX XXXX, under the executed XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The issue arises from Experians willful and negligent failure to delete false and unverifiable late-payment information appearing on XXXX XXXX credit file despite multiple disputes and supporting documentation. Specifically, Experian continues to report inaccurate late-payment entries for XXXX  Account XXXX XXXX ( Late Date XX/XX/XXXX ) and XXXX  Account # XXXX ( Late Date XX/XX/XXXX ). These entries are the direct result of the furnishers internal reporting errors, not from any failure by the consumer to make timely payments.

Experians conduct constitutes a serious violation of the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681s-2, 1681n, and 1681o. After receiving formal notice and a second dispute letter on XX/XX/XXXX, Experian failed to perform a reasonable reinvestigation as required by law and instead continued to report unverifiable data. The bureau has not produced any verification documents, system logs, or the identity of the individual who allegedly confirmed the accuracy of the data. Its inaction demonstrates reckless disregard for the consumers rights and a clear pattern of non-compliance with federal standards. 

As a result, XXXX XXXX has suffered measurable harm to his creditworthiness, including score suppression, loss of financial opportunities, and emotional distress. Experians continued publication of false information has damaged his reputation and constitutes defamation under federal consumer protection law. 

Accordingly, we respectfully request that the Consumer Financial Protection Bureau ( CFPB ) intervene immediately to compel Experian to delete all inaccurate and unverifiable late-payment entries, provide written confirmation of deletion, and release full documentation of its verification process. Experian must also implement stronger compliance controls to prevent recurrence. Given the companys willful and negligent non-compliance, we further request that the CFPB pursue enforcement actions and appropriate statutory and punitive damages under the FCRA.

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 2025-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Immediate Deletion Request for Inaccurate and Misleading Account Reporting Creditor Name : BRIDGECREST Account Type : Auto Loan Account Opened : XX/XX/XXXX Reported Balance : {$23000.00} Reported Date : XX/XX/XXXX Dear XXXX  XXXX Department, This correspondence serves as a formal dispute and demand for immediate removal of inaccurate information being reported by Bridgecrest on my XXXX  credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611 ( 15 U.S.C. 1681i ) to challenge the validity, accuracy, and completeness of the information currently appearing in my report. 

Upon review, I have found multiple reporting discrepancies and inconsistencies that violate federal reporting standards : 1. Contradictory Reporting : The account is marked In Good Standing and Current, yet contains late and derogatory indicators that are inconsistent with the present verified payment status. 
2. Unverifiable Payment Data : Historical payment entries are marked late ( 30119 days ), but no documentation has been provided by the furnisher verifying the accuracy of those claims.

3. Failure of Accuracy Under FCRA 607 ( b ) : The data furnisher has failed to ensure the maximum possible accuracy of reported information, as required by law.

4. Negative Impact Without Basis : Reporting old, unverifiable delinquencies on a currently positive and active account causes unjust harm to my creditworthiness and misrepresents my financial behavior. 

I am requesting that XXXX  conduct a full reinvestigation of this tradeline, contacting Bridgecrest directly to verify the accuracy of all reported data. If any portion of this information can not be 100 % verified with original, dated records from the creditor, you must delete the entire account or all negative payment history immediately from my XXXX  credit file under FCRA 611 ( a ) ( 5 ). 

You are required by law to complete your reinvestigation and provide written results within 30 days of receipt of this dispute. Please include copies of all documentation used in the verification process. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and further legal action for noncompliance under federal consumer protection statutes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 


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

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 2025-11-10 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: PA

Complaint narrative:
On XX/XX/year> I mailed Experian a written dispute by certified mail requesting a reinvestigation and the method of verification for several accounts on my credit report. The accounts included : XXXX XXXX approx. {$4000.00} XXXX XXXX XXXX, {$320.00} XXXX Card charged off, {$950.00} I asked Experian to tell me how these items were verified, what sources were used, and to delete any item that could not be verified, as permitted under the Fair Credit Reporting Act. Experian is still reporting these items on my file but did not provide me with the method of verification or the documentation used to verify them.

I am requesting CFPB assistance to have Experian : 1. Provide the method of verification for each account listed above ( creditor
contacted, date, and documentation ), and 2. Delete or correct any item that can not be fully verified, and 3. Send me an updated copy of my report.

I have attached a copy of my original dispute letter and identification.

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 2025-11-10 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: WV

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents to substantiate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is complete and accurate. I am requesting a thorough review of these accounts, and if any can not be verified as correct, I ask that they be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
I am submitting this complaint because my TransUnion credit report inaccurately reflects a late payment for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  dated XX/XX/year>, even though the account was paid in full and current at the time. The account shows a balance of {$0.00} and no past due amount, yet it is still being reported as a late payment, which is factually incorrect.

Under 15 U.S. Code 1681n of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally required to ensure that all reported information is accurate and complete. Reporting a late payment on a paid and current account is a violation of these provisions, as it misrepresents my payment history and negatively impacts my creditworthiness.

I have previously disputed this item with TransUnion, but the response I received was insufficient, only providing a generic statement that the information was verified as accurate. TransUnion failed to provide any evidence or documentation showing that this late payment was legitimate, which violates their duty under FCRA to conduct a reasonable reinvestigation of disputed information.

This inaccurate late payment has unnecessarily affected my credit score and created a false impression of my financial responsibility. It is both financially and emotionally distressing to have my credit history misrepresented in this way.

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 2025-11-10 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: MO

Complaint narrative:
This is a formal dispute and notice of violation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Regulation V ( 12 C.F.R. Part 1022 ) regarding your inaccurate furnishing of information for the above-referenced account. My credit report dated XX/XX/year>, shows that this account is being reported as Charged Off with {$20000.00} written off and {$6200.00} past due. This reporting is inaccurate, incomplete, and misleading, and it violates both federal statute and regulatory obligations imposed on furnishers.

LEGAL BASIS AND CFR SUPPORT 1. Unauthorized Furnishing of Information 15 U.S.C. 1681b ( a ) and 12 C.F.R. 1022.41 ( a ) prohibit the furnishing of consumer data without a verified permissible purpose or written consent.

2. Accuracy and Integrity Requirements 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 12 C.F.R. 1022.42 ( a ) ( b ) require you to ensure that furnished information is accurate, complete, and not misleading.

3. Duty to Correct or Update Information Under 12 C.F.R. 1022.42 ( d ), if you determine previously furnished information is inaccurate, you must promptly update or correct it with all credit reporting agencies.

4. Prohibition on Furnishing Information After Notice of Dispute 12 C.F.R. 1022.43 ( f ) expressly prohibits furnishers from reporting disputed information to a consumer reporting agency without first completing a reinvestigation and verifying its accuracy.

5. Duty to Reinvestigate 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 12 C.F.R. 1022.43 ( e ) mandate that, upon notice of a dispute, you must conduct a reasonable reinvestigation, review all relevant evidence, and report results to both the consumer and the reporting bureau.

6. Record Retention and Proof of Compliance 12 C.F.R. 1022.42 ( e ) requires furnishers to maintain records demonstrating compliance with accuracy, dispute handling, and reinvestigation obligations.

I DEMAND THE FOLLOWING Immediate removal of the charge-off, past due, and written off designations ; Update the account to reflect a Closed or Paid/Settled status while retaining its positive history ; Provide written documentation verifying any lawful basis for prior reporting ; Supply a copy of your accuracy and integrity policy under 1022.42 ( b ) ; and Issue confirmation of all corrections sent to Experian within 30 days as required by 15 U.S.C. 1681i ( a ) ( 6 ). Noncompliance within the statutory timeframe will establish willful or negligent violations under 15 U.S.C. 1681n1681o, triggering full civil liability. All communications must be in writing and directed to my postal address above.

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 2025-11-10 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: Early Warning Services, LLC
State: MO

Complaint narrative:
This is a formal dispute and notice of violation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Regulation V ( 12 C.F.R. Part 1022 ) regarding your inaccurate furnishing of information for the above-referenced account. My credit report dated XX/XX/year>, shows that this account is being reported as Charged Off with {$20000.00} written off and {$6200.00} past due. This reporting is inaccurate, incomplete, and misleading, and it violates both federal statute and regulatory obligations imposed on furnishers.

LEGAL BASIS AND CFR SUPPORT 1. Unauthorized Furnishing of Information 15 U.S.C. 1681b ( a ) and 12 C.F.R. 1022.41 ( a ) prohibit the furnishing of consumer data without a verified permissible purpose or written consent.

2. Accuracy and Integrity Requirements 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 12 C.F.R. 1022.42 ( a ) ( b ) require you to ensure that furnished information is accurate, complete, and not misleading.

3. Duty to Correct or Update Information Under 12 C.F.R. 1022.42 ( d ), if you determine previously furnished information is inaccurate, you must promptly update or correct it with all credit reporting agencies.

4. Prohibition on Furnishing Information After Notice of Dispute 12 C.F.R. 1022.43 ( f ) expressly prohibits furnishers from reporting disputed information to a consumer reporting agency without first completing a reinvestigation and verifying its accuracy.

5. Duty to Reinvestigate 15 U.S.C. 1681s-2 ( b ) ( 1 ) and 12 C.F.R. 1022.43 ( e ) mandate that, upon notice of a dispute, you must conduct a reasonable reinvestigation, review all relevant evidence, and report results to both the consumer and the reporting bureau.

6. Record Retention and Proof of Compliance 12 C.F.R. 1022.42 ( e ) requires furnishers to maintain records demonstrating compliance with accuracy, dispute handling, and reinvestigation obligations.

I DEMAND THE FOLLOWING Immediate removal of the charge-off, past due, and written off designations ; Update the account to reflect a Closed or Paid/Settled status while retaining its positive history ; Provide written documentation verifying any lawful basis for prior reporting ; Supply a copy of your accuracy and integrity policy under 1022.42 ( b ) ; and Issue confirmation of all corrections sent to Experian within 30 days as required by 15 U.S.C. 1681i ( a ) ( 6 ). Noncompliance within the statutory timeframe will establish willful or negligent violations under 15 U.S.C. 1681n1681o, triggering full civil liability. All communications must be in writing and directed to my postal address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Klarna AB
State: FL

Complaint narrative:
3 loans XX/XX/year> -- XXXX Klarna XX/XX/year> -- XXXX Klarna XX/XX/year> -- XXXX Klarna I ask many times Klarna customer service and they said nothing was gon na be reported to my credit since Im buying a house I need clean credit and now three loans are showing in my credit. I asked customer service and they dont know what to tell me they were like no is not gon na report to your credit. Its fine just go ahead and do it so, they dont specify whats gon na be reported I was not gon na be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
TransUnion acknowledged receipt of my dispute through the CFPB portal on XX/XX/year>. More than XXXX calendar days have passed, and I have not received the investigation results or any updates regarding the outcome.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), TransUnion must complete a reinvestigation within XXXX  days of receiving the dispute and provide the results to the consumer. They have failed to do so, which constitutes a violation of the FCRA.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McKenzie Paul & Associates
State: MS

Complaint narrative:
XXXXXXXX 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, This letter is in response to your recent communication and/or complaint reference with the Consumer Financial Protection Bureau ( CFPB ) . I am writing to formally deny validation of the alleged debt that you have claimed I owe.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I requested that you provide proper validation of the debt, including but not limited to : - The original signed agreement or contract establishing the alleged debt, - The full accounting and payment history, - The name and address of the original creditor, and - Documentation proving your legal authority to collect on this account.

To date, you have failed to provide the legally required documentation to validate this debt. Therefore, I do not acknowledge any liability or obligation for the alleged amount. Any continued attempts to collect without proper validation will be considered a violation of my consumer rights under the FDCPA and may be reported to the CFPB and other appropriate regulatory bodies.

Please cease all collection efforts and remove any negative credit reporting related to this unvalidated debt until you have fully complied with federal law.

SincerelXXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation