vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATLCRSYSis falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYSis a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to National Credit Adjusters through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that National Credit Adjusters receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have repeated tried to change my name. American Express accepted to initial response but incorrectly changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. My new legal name is XXXX XXXX. 

I have repeatedly uploaded the requested documentation Driver 's Licenses and Court Orders with no change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am disputing a collection account reported by I.C. System for {$220.00} allegedly owed to XXXX. This account is the result of identity theft and is being reported with inaccurate and inconsistent information.

1. Identity Theft : I have already filed an FTC Identity Theft Report, which is attached. This account was never opened or authorized by me.

2. Incorrect Personal Information : I.C. Systems own validation letter shows my name spelled incorrectly ( XXXX XXXX instead of my correct legal name, XXXX XXXX XXXX XXXX. This is evidence of misidentification and unreliable reporting.

3. Failure to Provide Proper Validation : Under FDCPA 809, I.C. System must provide competent evidence such as a signed contract and assignment agreement proving liability. They have not provided this documentation.

4. FCRA Violations : 15 U.S.C. 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. Reporting a debt under the wrong name and without verification is inaccurate.

FCRA 611 / 1681i ( a ) : Furnishers and bureaus must conduct a reasonable investigation that requires competent evidence, not just data matching.

FCRA 1681i ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted.

FCRA 605B : When a consumer provides an FTC Identity Theft Report, credit bureaus are required to block the fraudulent tradeline.

Requested Resolution : I am requesting the CFPB to require I.C. System to delete this fraudulent collection account from all credit reports immediately. This account was never mine, was opened as a result of identity theft, and is being reported under the wrong name without valid documentation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TN

Complaint narrative:
I am filing a complaint against [ Experian/TransUnion ] for failing to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a bankruptcy they are reporting on my credit file.

I disputed this bankruptcy under 15 U.S.C. 1681i, requesting verification. The credit bureau responded that the bankruptcy was verified, but failed to provide the method of verification or documentation as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

The bankruptcy court does not furnish consumer information to credit bureaus, which means the bureau can not directly verify this public record with the court.

By continuing to report this item without proper verification, the bureau is violating : - 15 U.S.C. 1681i ( Reinvestigation requirements ) - 15 U.S.C. 1681c ( Reporting limitations ) I request that the CFPB require [ Experian/TransUnion ] to block unverifiable bankruptcy.

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 2025-10-03 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates ( PRA ) has repeatedly attempted to collect a debt that they have not validly validated. Despite multiple written demands ( e.g. XX/XX/XXXX, XX/XX/XXXX, XXXX ), PRA failed to provide any document that ( a ) confirms the original signed contract, ( b ) shows itemized calculation of the balance, or ( c ) establishes chain of title / assignment. Meanwhile, XXXX  verified the account without evidence, in violation of FCRA 611. I believe this conduct violates FDCPA 1692g ( right to validation ), FCRA 611 ( reinvestigation ), and, for Texas consumers, Texas Finance Code 392.202 and 392.304.

Detailed Timeline & Facts : In XXXX, I sent a validation request to PRA. They responded with materials that lack the required documentation. 

In XXXX, I again demanded validation ; the response still lacked essential proof ( no signed contract, no chain of title ). 

In XXXX, the same. This shows a pattern of noncompliance. 

TransUnion subsequently marked the tradeline verified despite PRAs inability to validate.

Legal Grounds/ Violations : FDCPA 1692g PRA did not validate before collection, a violation of consumer rights.

FCRA 611 / 15 U.S.C. 1681i XXXX  must conduct a reasonable reinvestigation when consumer disputes, and must delete or correct inaccurate or unverifiable information. Verifying an account when the furnisher provides no supporting documentation is not reasonable.

Texas Finance Code 392.202 Texas consumers may request reinvestigation ; the furnisher must verify or cease reporting.

Texas Finance Code 392.304 Prohibits false, misleading, or deceptive collection practices continuing to collect or report a debt without valid proof is deceptive.

Requested Relief : Delete the tradeline from all consumer reporting agencies.

Order PRA to cease all collection activity.

Provide me written confirmation of deletion or correction.

Any other relief deemed appropriate by CFPB or enforcement action against PRA / XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I made a payment of {$800.00} to XXXX XXXX on XXXX XXXX, with a posting date of XXXX XXXX. On the morning of XXXX XXXX, the {$800.00} had been deducted from my account, and my available funds reflected that. However, when I tried to use the card, it was declined. I contacted customer support, went through XXXX escalations, and was told by each individual that the funds would not be released for XXXX days since the payment was for ever {$500.00}, They stated that information was on their website, but I did not find it after searching various pages. 
I am now in a position where the funds are no longer available in my checking account, nor are they available on the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: 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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 non-monetary relief
Consumer complaint received 2025-10-03 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: 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 generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: MD

Complaint narrative:
Jefferson Capital Systems is reporting accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. There are inconsistencies across credit bureaus and various XXXX XXXX reporting violations. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX ) XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ; status Refinanced ) Re : Dispute & Demand for Independent Reinvestigation ( XXXX XXXX : XXXX/ XXXX  ) Equifax shows Refinanced while the same debt appears Closed ( TU ) and Open/Placed ( EX ). 
Mutually exclusive statuses are misleading in violation of 607 ( b ) and XXXX XXXX ( Account Status ; Special Comment ; DOFD ; DLP ; DAI ; Balance ; Product Type ; OC Name ).

I dispute every adverse month/status. Demand Cushman-compliant independent verification and running statements/ledger ; codes proof ; delete under 1681i ( a ) ( 5 ) ( A ) if not verified.

Reg V applies. Remedies/enclosures as above. 
XXXX XXXX XXXX XXXX XXXX/ XXXX ( Acct : XXXX ; Refinanced ) Same dispute and demands as above ; the Refinanced label on a collection is inaccurate/misleading. XXXX XXXX fields as above. Full 607 ( b ), 611, 1681i ( a ) ( 5 ) ( A ), Cushman, Reg V language and same enclosures. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct : XXXX ; Refinanced ) Same defect ( collection shown as Refinanced ), same legal citations, same XXXX XXXX fields, same demands and enclosures. 
XXXX ) XXXX XXXX XXXX / XXXX  XXXX ( Acct : XXXX ) Equifax displays Collection account ; Past Due {$650.00} ; Date of Last Payment 2022-06-01 ; Months reviewed 25 ; Was 90 days late 25 time ( s ).

Collections do not report consumer Payment History Profiles or Past Due like an OC ; thats facially inaccurate.

Breached fields : PHP ; Past Due ; Account Status ; DLP ; DOFD ; DAI ; Special Comment ; Product Type.

I dispute every adverse month/status. Demand running statements/ledger and Cushman-level verification ; delete if not verified ( 1681i ( a ) ( 5 ) ( A ) ). 607 ( b ), 611, Reg V. Enclosures as above. 
XXXX ) Consumer Portfolio Services ( Auto ; Acct : XXXX ) Equifax shows AsAgreed but Was 30 days late 05 time ( s ) and DLP XXXX ( conflicting with XXXX ). 
Disputed months : every month your Equifax file codes as XXXX. 
Fields : Account Status ; PHP ; DLP ; DAI ; SMPA ; Special Comment.

Demands/citations/enclosures : as above. 
XXXX ) XXXX ( Revolving CO ; Acct : XXXX ) Equifax shows XXXX XXXX XXXX conflicts with XXXX XXXX ) and an impossible tally 90 days late 23 time ( s ).

Fields : PHP ; DOFD ; DLP ; DAI ; Credit Limit ; High Credit ; Account Status ; Past Due. 
I dispute all XXXX months. Demand ledgers ; codes proof ; delete per 1681i ( a ) ( 5 ) ( A ). 607 ( b ), 611, Cushman, Reg V. Enclosures as above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I dispute the accuracy of the following tradelines on my Experian report : Accounts in Dispute ( Experian file ) : XXXX Acct XXXX XXXX Inconsistent late history ; unverifiable derogatory. 
XXXX XXXX  # XXXX XXXX XXXX and inconsistent reporting. 
XXXX XXXX Acct # XXXX Misclassified as installment ; should be collection. 
The XXXX XXXX / XXXX XXXX NA Acct # XXXX Conflicting Installment/Collection coding. 
XXXX XXXX Acct # XXXX Misclassified, no consistent XXXX. 
XXXX XXXX XXXX  Acct # XXXX Contradicts XXXX  ( positive vs negative ). 
XXXX XXXX XXXX XXXX multiple accounts Duplicate/contradictory reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX No ledger or DOFD, misleading reporting. 
Violations : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) Metro 2 : Fields 12 ( Account Type ), 25 ( DOFD ), 39 ( Payment History ), 71 ( Condition Code ) Reg V 1022.42 accuracy and integrity of furnished info c

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