vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Subject : Formal Dispute of Alleged Debt Dear Jefferson Capital Systems LLC, I am writing to dispute the validity of the debt referenced above, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please treat this letter as a formal notice that I dispute the alleged debt in its entirety. I am requesting that you provide proper documentation verifying that I owe this debt, including : 1. The name and address of the original creditor ; 2. The full amount of the alleged debt, with a breakdown of how the amount was calculated ; 3. A copy of any agreement bearing my signature that shows I agreed to assume this debt ; 4. Proof that you are authorized to collect this debt in my state.

Until you provide such documentation, please cease all collection efforts and do not contact me by phone. Also, if you are reporting this debt to any credit bureaus, you are required to mark it as disputed. 

If you can not provide verification, or if you do not respond within 30 days of receiving this letter, I request that you stop all collection activity and remove any negative reporting associated with this debt from my credit reports. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an entry currently listed on my Experian credit report. I am requesting a full investigation and validation of the alleged debt in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account in Dispute : Creditor Name : XXXX XXXX XXXX Account Number : XXXX I do not recognize any debt this account, and I am exercising my rights under 15 U.S.C. 1681i and 1692g to request the following : 1. Proof that this debt belongs to me, including a signed agreement or contract.

2. The full name and address of the original creditor.

3. A full itemized statement showing how the amount was calculated.

4. A copy of the assignment or transfer of the debt, if applicable, showing the collector 's legal authority to collect.

5. Date of last activity and whether this account is within the statute of limitations. 



If you can not provide these documents within the legally required timeframe ( 30 days ), I request this account be immediately deleted from my credit report as unverified and inaccurate. 

Please send all responses and documentation in writing to the mailing address above. You are also required to notify any other credit reporting agencies to which you provided this disputed information. 

Thank you for your prompt attention to this matter. 

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 2025-07-19 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am reporting Equifax for continuing to publish multiple derogatory accounts on my credit file that are either factually misleading, unverifiable, or reported in direct violation of federal law. Despite previous disputes and attempts to resolve this through Equifaxs internal channels, the following entries remain on my report with no legal justification, no verification, and no transparency. 

First, Equifax is reporting a charge-off from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a {$0.00} balance. By definition, a charge-off implies an unpaid, written-off debt. If the balance is XXXX, this account should never continue to reflect as a delinquent charge-off. This is a textbook example of a violation of 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. Leaving a zero-balance charge-off on a consumer report years after its been resolved is not only inaccurate, its inherently deceptive and harmful. 

In addition, two collectionsboth from XXXX, dated XX/XX/XXXX for {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX for {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX suddenly appeared on my Equifax file without any validation, communication, or original creditor documentation ever being provided to me. I was not notified of the debts before they were placed on my credit report, I received no written verification from XXXX XXXX, and I certainly never received anything from Equifax to justify publishing these items. These violations fall under 15 U.S.C. 1681i ( a ), which requires Equifax to conduct a thorough reinvestigation when a dispute is initiated. No such meaningful reinvestigation took place. 

Under 15 U.S.C. 1681s-2 ( b ), data furnishers like XXXX are obligated to conduct proper investigations and cease reporting any information that can not be verified. But in this case, Equifax accepted their information and reported it without question, even though I had already disputed the entries and requested validation. No contract, billing statements, original application, or payment history has ever been shown to me. This is a gross failure of compliance on both Equifaxs and the data furnishers part. 

These inaccuracies have caused ongoing harm to my life. Ive been denied access to competitive credit terms, been rejected by rental applications, and have endured XXXX, embarrassment, and financial instability. Ive been forced to justify negative marks to employers and landlords that dont belong there. This has affected everything from my housing situation to my emotional health, because Equifax failed to follow its legal obligation to verify and report information accurately and fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I am filing this complaint because [ TransUnion/Equifax ] is knowingly and willfully reporting two accounts that were already deleted by XXXX  on XX/XX/year> : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a legally binding XXXX demand letter to [ XXXX ] on XX/XX/year>, with : - Proof of XXXX  deletions - A copy of my ID and address - A formal dispute citing FCRA violations It is now well past the deadline, and both accounts are STILL reporting causing ongoing damage to my credit and financial stability. XXXX  conducted an investigation and confirmed these accounts were inaccurate, unverifiable, or failed to meet legal requirements. 

[ TransUnion/Equifax ] has not responded, corrected, or validated anything. This is a willful violation of : - FCRA 607 ( b ) Inaccurate reporting - FCRA 611 ( a ) Failure to reinvestigate - FCRA 602 ( a ) Willful noncompliance - FCRA 623 ( a ) ( 1 ) ( A ) Furnishing false or incomplete data I have already filed with the FTC and am preparing to take legal action. I am demanding * * immediate deletion of both accounts * * and a correction to my credit report within 48 hours. No more delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
Hello, my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : XXXX fin Account Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX Account Opened : XX/XX/XXXX Balance : {$23000.00}

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
Continental Service Group, XXXX Conserve - A Debt Collection Agency Accounts Receivable Management Attention : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, New York XXXX Re : Creditor : XXXX XXXX XXXX Consumer Reference Number : XXXX Account Reference Number : XXXX CFPB Case Number : XXXX Dear XXXX XXXX, XXXX. 

Thank you for providing me with the XXXX XXXX XXXX membership application, Membership Enrollment Agreement, and an account statement in the Consumer Financial Protection Bureau ( CFPB ) Complaint No. XXXX. Please indicate which of these documents authorized XXXX XXXX XXXX to run my credit and open this credit card on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
Improper use of credit reporting on XXXX XXXX and XX/XX/year> 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 2025-07-19 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-07-19 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: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
In reviewing my credit reports in XXXX and XX/XX/year>, I discovered that my federal student loans are being reported multiple times across different servicers, including XXXX, XXXX, and XXXX. These duplications appear under different account numbers but represent the same original Department of Education loans, resulting in inflated balances and a misrepresentation of my overall debt. Between XXXX and XX/XX/year>, I submitted disputes to the credit reporting agencies ( Experian, Equifax, TransUnion ) and contacted the servicers requesting verification and correction. To date, no action has been taken to resolve the duplicate reporting. This is affecting my debt-to-income ratio, credit utilization, and eligibility for financial products and housing. I am requesting a full investigation, validation of the accurate and current servicer, and removal of all duplicate student loan entries from my credit reports under the Fair Credit Reporting Act ( FCRA ). I am also requesting confirmation from the servicers that they have coordinated with the Department of Education or XXXX to reflect only accurate and non-redundant loan data. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Once a dispute is filed, credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days. If the information in question is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected. Additionally, data furnishers, such as student loan servicers like XXXX, XXXX, and XXXX, are prohibited from reporting information they know or reasonably should know is inaccurate. If these accounts are duplicative or were transferred among servicers, only the current servicers account should appear on my credit report. Multiple entries for the same obligation are misleading and inflate my reported debt, which is a violation of FCRA accuracy standards. Furthermore, under the Uniform Commercial Code ( UCC ) 9-210, I have the right to request an accounting of the obligation and a verification of the entity currently servicing or owning the debt. This supports my request that each reporting entity provide documentation validating the accuracy of the account they are reporting. If any servicer is reporting a transferred, closed, or reassigned loan, that account should be removed immediately to comply with federal law. These duplications are causing material harm to my creditworthiness and must be corrected without delay.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: LA

Complaint narrative:
In reviewing my credit reports in XXXX and XX/XX/year>, I discovered that my federal student loans are being reported multiple times across different servicers, including XXXX, XXXX, and XXXX. These duplications appear under different account numbers but represent the same original Department of Education loans, resulting in inflated balances and a misrepresentation of my overall debt. Between XXXX and XX/XX/year>, I submitted disputes to the credit reporting agencies ( XXXX, XXXX, XXXX ) and contacted the servicers requesting verification and correction. To date, no action has been taken to resolve the duplicate reporting. This is affecting my debt-to-income ratio, credit utilization, and eligibility for financial products and housing. I am requesting a full investigation, validation of the accurate and current servicer, and removal of all duplicate student loan entries from my credit reports under the Fair Credit Reporting Act ( FCRA ). I am also requesting confirmation from the servicers that they have coordinated with the Department of Education or XXXX to reflect only accurate and non-redundant loan data. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Once a dispute is filed, credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days. If the information in question is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected. Additionally, data furnishers, such as student loan servicers like XXXX, XXXX, and XXXX, are prohibited from reporting information they know or reasonably should know is inaccurate. If these accounts are duplicative or were transferred among servicers, only the current servicers account should appear on my credit report. Multiple entries for the same obligation are misleading and inflate my reported debt, which is a violation of FCRA accuracy standards. Furthermore, under the Uniform Commercial Code ( UCC ) 9-210, I have the right to request an accounting of the obligation and a verification of the entity currently servicing or owning the debt. This supports my request that each reporting entity provide documentation validating the accuracy of the account they are reporting. If any servicer is reporting a transferred, closed, or reassigned loan, that account should be removed immediately to comply with federal law. These duplications are causing material harm to my creditworthiness and must be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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 recently discovered an account reported under my credit profile that I did not open or authorize. I have never had any involvement with this account, and its presence is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: AL

Complaint narrative:
I previously disputed this account stating : I never had a contract with this debt collector for any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
There is a fraudulent account reflected on my credit report that I did not authorize or open. I believe this is the result of identity theft or unauthorized use of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation