vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Jefferson Capital Systems , LLC, also known as XXXX, for reporting a collection account to the credit bureaus without prior notice, validation, or any legal documentation to substantiate the alleged debt. 

I recently reviewed my credit reports and found the following account, which I do not recognize and was never made aware of : - Collection Agency Jefferson Capital Systems , LLC - Account Number : XXXX - Alleged Amount : {$4600.00} - Reporting To XXXX XXXX XXXX XXXX XXXX specify all that apply ] I was never contacted by Jefferson Capital Systems by mail, phone, or otherwise prior to this account being added to my credit file. I have not received a notice of debt or any form of written validation. This is a direct violation of : - 15 U.S.C. 1692g ( a ) : Failure to send written notice within five days of initial contact - 15 U.S.C. 1692e ( 8 ) : Communicating false or unverified credit information to a credit bureau - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information to consumer reporting agencies - 15 U.S.C. 1681s-2 ( a ) ( 7 ) : Failing to notify the consumer before reporting negative credit information I am requesting the following action : 1. Immediate deletion of the Jefferson Capital Systems account ( XXXX ) from all consumer reporting agencies 2. Written confirmation that this debt is unvalidated and will not be pursued 3. A full investigation into Jefferson Capitals reporting practices and noncompliance with federal consumer protection laws Thank you for your help in ensuring this account is removed and that my rights are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
These accounts listed on my 605B letter do not belong to me! Transunion has not done a proper investigation. And my personal information was exposed in a data breach. I am actively working to do everything I can to fix my report and protect my information although it has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Marcus GM Card - credit card customer since 2013 Account randomly locked out from logging in They provided a phone number, little to no help over several hours and transfers Transfer again transfer again. No help no answers " It's a problem with your savings account '' OK I stated I did not have nor open a savings account Transferred again Specialist couldn't help Transferred again Savings department " closed '' for the night Transferred again Can't help, some random account issue Simply wanted to log in, couldn't, representatives had no answers, kept transferring, downplaying, redirecting. Awful // lack of customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting the removal of inaccurate personal information from my credit report that does not belong to me. The information appears to be incorrectly associated with my account and may have been filed under my name or identification in error.

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 2025-04-16 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: TX

Complaint narrative:
This account was charged off on the following date ( XXXX, XXXX  ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This is inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
XXXX  XXXX XXXX put me o collect agent for debit on XXXX credit card that came from a pandemic that my reduced me and work and cut off my paycheck and haft make me on squeeze finance situation and have decided move out and do same thing else get another job that became a independent contractor for big logistics company XXXX XXXX that pay us really bad and make get and deep financial situation and affect all that stuck on my bills trying to resolve best way l can

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX * * * INQUIRIES TOWER 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, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing this formal complaint regarding an unauthorized Barclays Bank ( BRCLYSBANKDE ) credit card account that has been reported to my credit profile as an authorized user account. The account details are as follows : Creditor : Barclays Bank ( BRCLYSBANKDE ) Account # : XXXX / XXXX Date Opened : XXXXXX/XX/year> Credit Limit : {$250.00} High Balance : {$870.00} Reporting Bureaus : XXXX and XXXX  Status : Paid/Pays as agreed I never authorized anyone to add me as an authorized user to this credit card. I did not consent to be listed on this account, nor did I receive any notification, request for approval, or communication regarding this account. The presence of this tradeline is unauthorized and constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) for reporting inaccurate and unverified information. 

I have no knowledge of this Barclays account and have never had any direct relationship with the cardholder or issuer. It is highly concerning that my personal information was used without consent, and this unauthorized reporting may be the result of clerical error, account misuse, or potential identity misuse.

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding multiple accounts that have been improperly reported by TRANSUNION on my my credit report without providing me the option to dispute the debt, as is my right under the Fair Credit Reporting Act ( FCRA ) required by XXXXXXXX XXXX XXXX ( D ( XXXX ), yet they have proceeded to place : XXXX XXXX XXXX # XXXX XXXX # XXXX accounts on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. XXXX. I have not been afforded the opportunity to dispute the account in accordance with XXXX XXXX XXXX ( c ) ( XXXX ) ( XXXX ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debts. XXXX has resorted to false, misleading, and deceptive means in their reporting efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. XXXXFurthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under XXXX XXXX XXXXXXXX ( d ) and XXXX XXXX XXXX XXXX ( XXXX ) ( A ). TRANSUNIONS flagrantly disregarding consumer protection statutes. I did not receive any notice from : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX, accounts on my consumer report providing me the opportunity to dispute the validity of this debt within XXXX  days, as required by law. Additionally, I have attempted to submit supporting documents proving that my information was compromised in the Equifax breach and documents proving that I am a XXXX of identity theft. This has caused significant harm to my credit score and has resulted in undue financial and XXXX XXXX. I kindly request that the CFPB investigate this matter, as I believe these accounts were reported without following the proper legal procedures. Additionally, I request that TRANSUNION remove these accounts from my credit report and cease all collection efforts immediately. Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint. 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
The debt is for someone by the name of XXXX XXXX. My name is XXXX XXXX XXXX. I have never lived in an apartment in the State of Georgia.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). XXXX tracking confirms it was delivered on XX/XX/year>. As of XX/XX/year>, the company has failed to provide any response, documentation, or validation. 

Under federal law, all collection activity must cease until the alleged debt is validated. Their failure to respond within the 30-day period constitutes a direct violation of 1692g ( b ). Continued reporting to the credit bureaus without proper validation also violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies.

This noncompliance warrants immediate regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I sent a formal debt validation request and pay-for-delete letter to LVNV Funding LLC via USPS Certified Mail with Return Receipt. The request was made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires collectors to cease all collection activity and reporting until the debt is properly validated. 

LVNV received my letter ( I have USPS confirmation ), but failed to respond within the required 30-day period. Despite this, they have continued to report the alleged debt to credit bureaus, which may also violate 15 U.S.C. 1692e ( false or misleading representation ) and 1692c ( b ) ( unlawful third-party disclosure ).

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), any data furnisher must investigate and verify disputed information. LVNV has failed to meet this requirement. 

I am requesting full deletion of this tradeline from all credit bureaus ( XXXX, XXXX, and XXXX  ) due to the lack of validation and violation of federal law. 

Supporting documents ( certified mail receipt and original dispute letter ) are attached.

Company response to consumer: Closed with explanation