vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: CL Holdings LLC
State: IL

Complaint narrative:
XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Accout # XXXX RE : CFPB # XXXX To whom it may concern, on XX/XX/year>, I disputed Jefferson Capital Systems account XXXX XXXX with the Consumer Financial Protection Bureau. Jefferson Capital replied back that they would and I quote via CFPB This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX XXXX XXXX debt that we acquired in their name, which is now associated with JCS Reference # XXXX. To resolve this matter, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Thank you for the opportunity to respond. 
Yet, this account keeps coming back verified! That said, this will be my last attempt to give you guys the opportunity to do whats right before I seek legal action. If legal action is taken, I expect to be compensated a {$1000.00} ( XXXX ) for each law broken. They are as follow below : FCRA Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported. 
In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) FTC 808. Unfair practices 809. Validation of debts 812. Furnishing certain deceptive forms I have also reported this account to my local authorities including XXXX Police Department ( fraudulent practices ) and my local General Attorney. 
I expect this account to be deleted ( within 30 days ) immediately from my XXXX credit report from the date of this letter. As abovementioned, if this account isnt deleted from my XXXX credit report, Ill will seek legal action. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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 listing 2 accounts Fraudulent from my Experian, Equifax and Transunion Credit Reports. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX  XXXX. I am listing 2 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Listed accounts and inquiries do not belong to me and must be removed from my Credit Reports. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Experian, Equifax and Transunion to mark these accounts and inquiries as fraudulent and remove from my Credit Reports. Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX : XXXX XX/XX/scrub>XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX address : XXXX, Ut XXXX XXXX XXXX XXXX address : XXXX, Sc XXXX Security Credit XXXX XXXXddress : XXXX, XXXX XXXX Re : Request for Debt Validation, Assignment Contract, and Cease and Desist Dear Debt Collection Agency, I am writing in response to your recent communication regarding the debt you claim I owe, referenced by [ XXXX, XXXX, XXXX ]. Please consider this letter as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), as well as a cease and desist request. 
Debt Validation Request Under the FDCPA, I have the right to request verification of the debt. Therefore, I request the following documentation to verify your claim : XXXX. A copy of the original signed contract or agreement that shows I am legally obligated for the debt. 
XXXX. The assignment contract or any other legal documentation that proves your company has been assigned the legal right to collect this debt. This should include the full assignment history, detailing all transfers or sales of the debt, along with dates. 
XXXX. An itemized statement of the debt, showing the original amount owed, any interest or fees added, and any payments made to date. 
Please note that I am requesting these documents so I can properly verify the debt and your right to collect it. Until these documents are provided, you are required by law to cease all collection activities and refrain from reporting this debt to credit agencies. 
Cease and Desist Request Additionally, under the FDCPA, I am requesting that you cease all further communications regarding this debt until you can provide the requested validation. This includes telephone calls, letters, and any other form of contact. If you fail to comply with this request, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. 
If you continue with collection activities without proper validation or persist in contacting me after this request, I will take further action to protect my rights. 
Please ensure that all communications from your office cease immediately unless you provide the requested debt validation. If you do not respond within 30 days with the necessary validation documents, I will consider the debt invalid, and you will be required to cease all collection activities. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to dispute certain information that appears on my credit report, which I believe to be inaccurate and request its immediate correction. 

Specific Disputed Item ( s ) : Creditor Name : XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX  XXXX Reported Balance/Status : 1 MISSED PAYMENT CLOSED, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX XXXX  Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX XXXX XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX Reported Balance/Status : 1 MISSED PAYMENT, 30-59 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 

Creditor Name : XXXX  XXXX Reported Balance/Status : 3 MISSED PAYMENTS, CLOSED, 90-119 DAYS LATE ) Reason for Dispute : This account was paid on time every month. I have never had a late payment to this creditor. 



Thank you for your prompt attention to this matter. Protecting and ensuring the accuracy of my credit report is of utmost importance to me, and I trust that you will handle this dispute with the seriousness it deserves. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: MO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor XXXX 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 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
I have another complaint open with you ( ID XXXX ) that is related to this. I have two XXXX XXXX credit cards open. One of them is not being reported on my Experian credit report. XXXX XXXX has opened multiple cases for me to get this resolved ( current case number with XXXX XXXX is XXXX and prior case number is on attached letter ). However, when I call Experian, they blame XXXX XXXX for not sending them my missing account information. I just called Experian for the above-referenced complaint number. I received an email saying there was an update. When I got someone on the phone, she said that there is nothing that they can do for me at Experian. She said XXXX XXXX is not sending them my information. So I called XXXX XXXX, and they opened a new case number, but nothing is getting resolved. They each blame each other for my credit card account not being reported. XXXX XXXX says they have been sending Experian my info. I do believe them because the account is being reported to XXXX. I have been working on this since XX/XX/XXXX of XXXX. I am on hold for hours with Experian and have received no help. XXXX XXXX opens case after case and it never resolves the issue. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XXXX I applied for a second mortgage with my credit union, they use Equifax Mortgage Services to verify credit. As soon as they uploaded my information Equifax sold my file and I automatically started receiving phone calls from unsolicited lenders. I tried to call Equifax and advise them to not sell my information with being set on hold or now answer at all. The number that keeps calling is XXXX. The other lending company that keeps calling is XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
Aidvantage has refused to allow me the ability to dispute my student loans after the Department of Government Efficiency wrongfully and illegally accessed my personal and financial private student records. On XX/XX/year> they would not provide me information on how to directly dispute the loan with them. 

My personal and financial information was compromised without my authorization. The Family Education Rights and Privacy Act ( XXXX ) protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request that you immediately cancel and discharge my student loan debt. You have XXXX ( XXXX ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: TX

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief