vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CT

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the collection account reported by Jefferson Capital Systems ( also listed as Jefferson Capital SYST ) with account number XXXX appearing on my credit report. 

This account was allegedly opened on XX/XX/year> and shows a balance of {$500.00}. However, I have never received verification of this debt, nor have I been provided with any documentation substantiating that I owe this amount or that Jefferson Capital Systems has the legal right to collect it. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, a consumer has the right to request validation of a debt. If the debt is not properly verified, the collector must cease collection efforts and can not report the debt as valid to the credit bureaus. Since no verification has been provided to me to date, I request that this account be immediately removed from my credit report. 

Please conduct a full investigation and delete the account from my record if verification can not be provided. Under the Fair Credit Reporting Act ( FCRA ), I request a written response to this dispute, along with documentation used in the investigation. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
I recently receive a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks has been detrimental to my life and credit health.

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 2025-07-06 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: SC

Complaint narrative:
Experian, XXXX XXXX failed to fulfill legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestment of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved the Consumer Financial Protection Bureau CFPB has recently filed a lawsuit against experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished accepting unreliable responses, and failing to adequately notify consumers of dispute outcome.The failure align with my experience where Experian has neither corrected nor removed disputes items despite the evidence provided, causing ongoing harm to my credit standing.i am requesting immediate corrective action to remove or armed the dispute account as experian, XXXX XXXX in action violates federal law and my rights as a consumer

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 2025-07-06 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: NC

Complaint narrative:
After going over my Equifax report I came across 2 inquiries that were not made by me ; 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX : XXXX ( last 4 ) : XXXX To Whom It May Concern, I am writing to formally dispute the account being reported by Flagship Credit Acceptance on my credit reports with TransUnion, Experian, and Equifax. This account is being reported as a charge-off/collection with a balance of {$13000.00}, and I believe this information is inaccurate, unverifiable, and possibly a violation of my consumer rights.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and 609 ( a ) ( 1 ) ( A ), I am requesting a full investigation and validation of this account. If XXXX XXXX XXXX can not provide documented evidence, including but not limited to a signed original contract, payment history, and full account breakdown, this account must be removed from all consumer reports. 

Furthermore, this account is being reported as a charge-off. If it has indeed been charged off and XXXX XXXX XXXX has claimed this as a loss, they are legally required to file an IRS Form XXXX or XXXX. I have not received any such documentation from them. If this was not reported to the IRS, the charge-off status may constitute false or misleading reporting, which is strictly prohibited. 

This account must be deleted from my credit reports unless fully validated and proven accurate under the law. I expect this investigation to be completed within the time allowed by federal law. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
Upon reviewing my credit report, i observed two accounts being reported on my account. Both of these were part of identity theft and both collection accounts were removed. The following two accounts are from the original creditors, which are not mine : - XXXX / XXXX - XXXX / Bal Crdt These two do not belong to me and were part of identity theft reports I filed and they should have been removed when the collections were removed These need to be removed immediately as they are affecting my ability to get credit

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 2025-07-06 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: TX

Complaint narrative:
XX/XX/XXXX is reporting twice on my credit report. it is the same account that is lowering my score.

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 2025-07-06 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: TX

Complaint narrative:
XX/XX/XXXX is reporting twice on my credit report. it is the same account that is lowering my score.

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 2025-07-06 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: TX

Complaint narrative:
COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Original creditor : XXXX XXXX COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Original creditor- Security Finance of Texas Subject : Demand for Debt Validation showing physical documentation not verbal wording that it was validated as my debt and remove immediately inaccurate accounts and/or inaccurate accounts that you have not provided physical validation of this debt as mine Immediate Compliance Required To Whom it may concern, I submitted through the CFPB complaints on Exquifax, Experian, and Transunion more than once concerning a unresolved issue with these companies and the reply I recieved through CFPB stated by these credit bureaus they validated it as my debt but there is no physical attachment through cfpb or by mail received showing how did they validate this debt as mine.

I did not receive documents nor a attachment through CFPB showing proof of ownership or assignment of the debt. 2. Signed/ wet signature of agreement proving my liability. XXXX. Full purchase agreement, account history, including charges, fees, and payments. 
If Equifax, Experian, Transunion, XXXX XXXX XXXX, nor XXXX XXXX XXXX can not provide those documents these collections should be removed as soon as possible according to 15 U.S.C. 1692 ( C ), 15 U.S.C 1692g ( b ) ( FDCPA ), 15 U.S.C 1681s-2 ( FCRA ), 15 U.S.C 1681s-2 ( b ), and 12 CFR 1006.34 ( 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
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Original creditor : XXXX XXXX COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Original creditor- Security Finance of Texas Subject : Demand for Debt Validation showing physical documentation not verbal wording that it was validated as my debt and remove immediately inaccurate accounts and/or inaccurate accounts that you have not provided physical validation of this debt as mine Immediate Compliance Required To Whom it may concern, I submitted through the CFPB complaints on Exquifax, Experian, and Transunion more than once concerning a unresolved issue with these companies and the reply I recieved through CFPB stated by these credit bureaus they validated it as my debt but there is no physical attachment through cfpb or by mail received showing how did they validate this debt as mine.

I did not receive documents nor a attachment through CFPB showing proof of ownership or assignment of the debt. 2. Signed/ wet signature of agreement proving my liability. XXXX. Full purchase agreement, account history, including charges, fees, and payments. 
If Equifax, Experian, Transunion, XXXX XXXX XXXX, nor XXXX XXXX XXXX can not provide those documents these collections should be removed as soon as possible according to 15 U.S.C. 1692 ( C ), 15 U.S.C 1692g ( b ) ( FDCPA ), 15 U.S.C 1681s-2 ( FCRA ), 15 U.S.C 1681s-2 ( b ), and 12 CFR 1006.34 ( 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
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: North American Credit Services
State: FL

Complaint narrative:
On XX/XX/2025, I received a letter from North American Credit Services ( XXXX ) claiming I owed a balance of {$430.00} under account number XXXX. However, the letter did not include sufficient information to verify the validity of the debt. 

The notice fails to identify the original creditor, the nature of the debt, or provide any supporting documentation as required under the Fair Debt Collection Practices Act ( FDCPA ). I have not received an itemized statement or any contractual evidence linking me to the amount in question. 

I request that all collection activity be suspended until full validation is provided, including details of the original debt, how the balance was calculated, and proof that I am legally responsible for the amount. 

I am open to resolving this matter if the debt is properly validated. However, I will not proceed without the required disclosures and evidence. 

I respectfully request the CFPBs assistance to ensure my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I had an auto loan with OneMain Financial. After only two missed payments, they repossessed my vehicle without any prior notice and without my knowledge or permission. The car was taken while I was not present. I never received any repossession warning or opportunity to bring the loan current. 
After taking my car, OneMain sold it without providing me any information about the sale price or how the money was applied to my loan. Then, instead of closing the account properly, they sold the remaining balance to a debt collection agency. 
This caused major harm to my credit. They reported a charge-off on my credit report almost immediately even though I never received proper notice or a chance to fix the issue. The debt has since been marked as paid or settled, but the negative marks remain. 
I believe OneMain violated my consumer rights by : Repossessing my car without proper notice or legal process, Selling my vehicle without disclosing details of the sale, Selling the remaining balance without giving me a chance to resolve it, Reporting a charge-off too early ( after only 2 missed payments ), And harming my credit even after the balance was resolved. 

I am requesting a full investigation, a correction to my credit report, and compensation for the damage caused. I am also exploring legal action for wrongful repossession and credit harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
I have been involved in identity theft and there were several accounts opened and money withdrawn from my bank account. I provided reports and proof that these were not charges or accounts i made and the company keeps reporting that it is my account. I have been doing this since XXXX of XXXX  and when experian lies and says they will look into it they usually respond in less then 24 hours stating the account stays. It's getting to be ridiculous and I want this account off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
I am unaware of this debt and didnt have the opportunity to dispute it. If you believe that you sent proper notification, please provide certified mail with receipt displaying my signature if not, please delete this account from my credit report as soon as possible or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> Account Name : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> Equifax XXXX XXXX XXXX XX/XX/year> Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
After reviewing my credit report, I noticed a fraudulent charge on my credit profile per following XXXX XXXX  account number XXXX open date : XX/XX/year> balance XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
After reviewing my credit report, I noticed a fraudulent charge on my credit profile per following XXXX XXXX  account number XXXX open date : XX/XX/year> balance 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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/XXXX, my sister ( XXXX XXXX, XXXX ) sent me {$400.00} USD via MoneyGram from XXXX, Connecticut to XXXX. When I went to pick up the funds, I was blocked by error code XXXX. No valid reason was given. 

MoneyGram claimed the sender failed to verify the recipient relationship, which is false. This is a repeated pattern going back to XXXX where my name is targeted and blocked every time a transfer is attempted. 

The money was reversed, but not returned. Now my sister must wait 110 days, and I have lost time, suffered emotional stress, and been unable to complete obligations linked to that transfer. 

This is financial obstruction and trust interference. I have issued a XXXX XXXX  for {$25000.00} USD under the XXXX XXXX XXXX and filed public notice. 

I demand : - Immediate release of blocked funds - Compensation for damages - Review of MoneyGrams pattern of discrimination and arbitrary blocking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-06 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: MA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief