vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
I sent a request for investigation under FCRA 611 ( a ) to all three credit bureaus on XX/XX/XXXX. XXXX XXXX, and XXXX.About the following accounts : report number- XXXX. XXXX TransUnion : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX. 

Equifax : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Experian : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Date : XX/XX/XXXX. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : DEPT OF ED/XXXX  Account Number : XXXX XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX  Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number XXXX Account name : XXXX XXXX Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX Account number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In according with the fair credit reporting Everything must be 100 % accurate on my credit report . The credit bureaus stated my account was thoroughly investigated but how is that possible if the opening date is inaccurate, the last active date is inaccurate, and the last date reported is not accurate. The ground for removal. They also violated the law because according to 15 U.S.C. 1681 section 602A. states i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. I did NOT give anybody written instructions. I'm a natural person, I am a living human being. have right under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. Delete all

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 2025-08-14 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ Date ] To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Debt Validation & CFPB Complaint Account # XXXX Original Creditor : XXXX XXXX Reported Balance : {$1700.00} To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account. This is not a refusal to pay but a lawful request for complete debt validation pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ).

Until you provide full and competent validation, you must immediately cease all collection activities, including but not limited to phone calls, text messages, emails, workplace contact, and reporting to any consumer reporting agency ( FDCPA 805 ( c ) ).

For this account, I demand the following : 1. Assignment contract or full chain of assignment from the original creditor to Jefferson Capital Systems , LLC.

2. Bill of sale from the original creditor with identifying account details.

3. Account-level documentation, including but not limited to the signed contract, monthly statements, and charge-off details. 
4. Proof of licensing and bonding authorizing Jefferson Capital Systems , LLC to collect in the Commonwealth of Pennsylvania.

5. Full breakdown of the alleged balance, showing principal, interest, fees, and any other charges.

Reporting or attempting to collect on an unvalidated debt violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) and FCRA 602 ( A ), 623 ( a ) ( 1 ) ( A ). If you can not produce the above documentation within the time allowed by law, you must : Immediately remove all information related to this account from all consumer reporting agencies ; Provide written confirmation of deletion ; and Refrain from selling, transferring, or reassigning this account to any other entity. 

This matter is also being filed as a formal complaint with the Consumer Financial Protection Bureau for investigation. My requested resolution is : Permanent deletion of this account from all credit reports ; Written confirmation of said deletion ; Prohibition against future collection or resale. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am the victim of identity theft and multiple data breaches, including the XXXX  breach, which exposed my personal information. Fraudulent accounts have been opened in my name without my knowledge or consent. These accounts are not mine and must be deleted and blocked immediately under FCRA Section 605B, which requires removal within 4 business days of receiving proof.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-14 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: UT

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX [ Date ] To : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation & CFPB Complaint Account # XXXX Original Creditor : XXXX Reported Balance : {$2200.00} To Whom It May Concern, I am formally disputing the accuracy and validity of the above-referenced account. This is not a refusal to pay but a lawful request for complete debt validation pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ).

Until you provide full and competent validation, you must immediately cease all collection activities, including but not limited to phone calls, text messages, emails, workplace contact, and reporting to any consumer reporting agency ( FDCPA 805 ( c ) ).

For this account, I demand the following : 1. Assignment contract or full chain of assignment from the original creditor to Midland Credit Management , Inc .

2. Bill of sale from the original creditor with identifying account details.

3. Account-level documentation, including but not limited to the signed contract, monthly statements, and charge-off details. 
4. Proof of licensing and bonding authorizing Midland Credit Management , Inc. to collect in the Commonwealth of Pennsylvania.

5. Full breakdown of the alleged balance, showing principal, interest, fees, and any other charges.

Reporting or attempting to collect on an unvalidated debt violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) and FCRA 602 ( A ), 623 ( a ) ( 1 ) ( A ). If you can not produce the above documentation within the time allowed by law, you must : Immediately remove all information related to this account from all consumer reporting agencies ; Provide written confirmation of deletion ; and Refrain from selling, transferring, or reassigning this account to any other entity. 

This matter is also being filed as a formal complaint with the Consumer Financial Protection Bureau for investigation. My requested resolution is : Permanent deletion of this account from all credit reports ; Written confirmation of said deletion ; Prohibition against future collection or resale. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-14 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Confirmation # XXXX I am writing to formally demand the removal of obsolete or inaccurate information from my credit report in accordance with 15 U.S.C. 1681c ( c ) and 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

The following item ( s ) are no longer legally reportable and must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX According to the FCRA : 1681c ( c ) mandates that adverse information older than the legally allowed reporting period must be removed. 
1681c-2 further ensures that any outdated adverse information is promptly deleted upon request. 

I hereby demand that you remove the above information within 4 days of receipt of this letter. Failure to comply will leave me with no option but to take legal action to enforce my rights under the FCRA, including seeking damages and attorneys fees. 

Please provide written confirmation once the item ( XXXX ) have been deleted. I have attached supporting documentation to verify my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
I am filing this complaint with cfpb requesting that you, experian, block information on my consumer credit report that is the result of identity theft and fraud, in accordance with fcra 605B ( 15 U.S.C 1681c-2 ). 
The fraudulent and inaccurate information includes the following accounts : 1. A personal credit card account opened with forever XXXX on XX/XX/XXXX under a private account number I dont know. 
2. A personal credit card account opened with XXXX  XXXX on XX/XX/XXXX under a private account number XXXX dont know XXXX. A personal credit card account opened with XXXX  on XX/XX/XXXX under a private account number I dont know 4. An auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under a private account number I dont know 5. An auto loan opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under a private account number I dont know These accounts have led to several fraudulent hard inquiries and collections appearing on my consumer fico credit report maintained by you, which displays the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. I have neither opened, made, nor initiated any of them. All the mentioned accounts, collections, and hard inquiries are a direct result of identity theft and fraud. Additionally, I have attached a copy of the FTC identity theft criminal complaint # XXXX, as proof from the U.S federal trade commission that all the previously mentioned consumer credit accounts, collections, and hard inquiries are indeed the results of identity theft and fraud. Please block this information within XXXX days of receiving this complaint. Thank you for the prompt attention to this matter.

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 2025-08-14 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: HI

Complaint narrative:
Complaint Title : Inaccurate XXXX late mark reported by XXXX XXXX XXXX XXXX XXXX deferment and no denial notice Complaint Details : I am disputing an inaccurate XXXX late payment reported by XXXX XXXXXXXX XXXX  ( account XXXX XXXX XXXX ) for XX/XX/XXXX. 

In XX/XX/XXXX, I had an active deferment request on this account. On XX/XX/XXXX, XXXX XXXX claims a representative denied the request during a call that was disconnected. However : 1. I never received any call-back, email, or mailed notice of the denial. In XXXX prior deferments with XXXX XXXX, I always received confirmation. 
2. After XX/XX/XXXX, I called XXXX XXXX XXXX XXXX in XXXX and XX/XX/XXXX and was told my account was in good standing because the deferment was active. 
3. These calls were originally acknowledged by XXXX XXXX, but after I escalated the matter to their leadership, the call records disappeared from their files.

4. I received only standard monthly statements the same type I received during prior deferments which their staff had told me to disregard during deferment periods. 
XXXX. In XX/XX/XXXX, once I learned the deferment had not been applied, I immediately paid over {$10000.00} to bring the account current. 

I have a XXXX history with XXXX XXXX XXXX XXXX XXXX vehicles and have never been late before. This reporting is inaccurate, harmful to my credit, and a result of XXXX XXXX failure to notify me of the deferment denial. 

I have already filed disputes with Experian, XXXX XXXX XXXX  and mailed XXXX XXXX a direct dispute letter under FCRA 623. I request that the CFPB require XXXX XXXX XXXX to : Conduct a proper reinvestigation, including retrieving all XXXX XXXX call recordings and account notes Provide documented evidence of a completed denial notification Remove the inaccurate XXXX late mark from all credit bureau reports Supporting Documents to Upload : Direct Dispute Letter to XXXX XXXX XXXX XXXX ) Prior deferment confirmation letters XXXXXXXX XXXX XXXXXX/XX/XXXX response letter

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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
On XX/XX/year>, I received an email from Aldous & Associates P.L.L.C. attempting to collect an alleged debt of {$310.00} for a XXXX XXXX membership. According to their breakdown, the amount includes : Collection Fee ( {$82.00} ), Rate Guarantee Fee ( {$49.00} ), Return Fees ( {$75.00} ), and Monthly Dues ( {$110.00} ). 

I dispute this debt in its entirety. I previously requested the cancellation of my XXXX XXXX membership due to ongoing billing errors and was informed that my account would be closed. These additional fees were never authorized, agreed upon, or valid under my original agreement. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested verification of the debt. The company provided a copy of an agreement dated XX/XX/year>XXXX  ; however, this document does not justify the excessive and unauthorized charges they are attempting to collect. 

In addition, Aldous & Associates has called me multiple times and threatened that they will report this debt to the credit bureaus if I do not pay immediately. While I do not have call recordings or screenshots, I can confirm these repeated contacts occurred by phone. I consider this conduct to be harassment and a violation of my FDCPA rights. 

I request that the CFPB : 1. Investigate this matter in full.

2. Require the removal of any negative credit reporting related to this alleged debt.

3. Confirm that I have no legal obligation to pay these charges. 

Evidence, including the XX/XX/year>XXXX  email from Aldous & Associates, is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution ( XXXX XXXX  ) and ZELLE failed to investigate my claims adequately. They ignored me that the recovering lost funds was impossible to get back snd tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect costumers but has also allowed repeated offenders to exploit the system, leaving customers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation