vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems Dispute of Alleged Debt I am writing to formally dispute the debt Jefferson Capital Systems is attempting to collect on behalf of XXXX. I have no knowledge of the alleged debt, have never purchased anything from this business or authorized transactions through XXXX. This debt is invalid and likely resulted from fraudulent activity or an administrative error. I request immediate removal of this inaccurate information from all credit beueaus ( XXXX XXXX XXXX  ) Legal request validation of debt under the fair debt collection practices act at XXXX I request written in validation of debt, including proof from my liability and a detailed transaction. History investigation conduct a full investigation into this account and seize all collection activities into validated credit report, Correction, pursuant to the Fair credit reporting act, and assure this account is deleted from my Credit profile. I have contacted XXXX XXXX who have sent dispute letters out to them on my behalf. I have also sent a dispute letter to Jefferson capital systems LLC and they still continue to call me and text not acknowledging my request to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: PA

Complaint narrative:
I have disputed multiple inaccurate items on my credit reports with Experian, Equifax, and TransUnion. Despite sending dispute letters, the bureaus have failed to correct or properly verify the information. 

The issues include : Late payments being reported inaccurately. 
Closed accounts still showing as open or delinquent. 
Collections accounts that have not been properly validated. 
Unauthorized hard inquiries that I did not approve. 
Concerns that a TransUnion data breach ( XXXX ) may have contributed to inaccurate reporting and unauthorized inquiries.

I requested verification and correction under the Fair Credit Reporting Act ( 15 USC 1681i, 1681e ( b ), 1681s-2 ), but have not received a proper resolution. 

Requested Resolution : I am asking the CFPB to require the credit bureaus and furnishers to delete or correct all inaccurate items, remove unauthorized inquiries, and provide me with written confirmation once corrections are made across all three credit bureaus.

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 2025-09-27 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: NJ

Complaint narrative:
I've attached all file and details to the documents below my wallet and son number has been stolen

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've attached all file and details to the documents below my wallet and son number has been stolen

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 2025-09-27 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: CA

Complaint narrative:
I am a XXXX XXXX XXXX, and the information listed below on my credit report is a result of that XXXX  : Account name : KIKOFF LEND Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : SANTANDER Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: FL

Complaint narrative:
XXXX is indicating I missed a payment for the month of XXXX in 2025 but I did not. They also changed my minimum payment due without informing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of certain negative items from my credit report maintained by Equifax and TransUnion, in light of recent legal action and settlement agreements involving TransUnion & Equifax and its reporting practices.

As you are aware, TransUnion & Equifax was involved in a lawsuit alleging inaccuracies and failure to properly investigate disputed information under the Fair Credit Reporting Act ( FCRA ). In accordance with the terms of the settlement and the rights afforded to me under the FCRA, I am requesting a reinvestigation and removal of the following item ( s ) from my credit report : Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reason for Dispute : Account does not belong to me, inaccurate reporting. 

These negative items are either inaccurate, unverifiable, or unfairly damaging to my credit profile. Under Section 609 and Section 611 of the FCRA, I am requesting that TransUnion : Provide me with a detailed method of verification for the above-listed accounts, including the name and contact information of the party who verified the data. 

If the account can not be verified, please remove it from my credit report immediately. 

Send me an updated copy of my credit report showing the results of your investigation and any changes made

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 2025-09-27 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: CA

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account name : XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : 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

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Klarna AB
State: TX

Complaint narrative:
XXXX XXXX XXXX Dispute of Alleged Debt I am writing to formally dispute the debt XXXX XXXX XXXX is attempting to collect on behalf of Klarna. I have no knowledge of the alleged debt, have never purchased anything from this business or authorized transactions through Klarna. This debt is invalid and likely resulted from fraudulent activity or an administrative error. I request immediate removal of this inaccurate information from all credit beueaus ( XXXX XXXX XXXX ) Legal request validation of debt under the fair debt collection practices act at XXXX I request written in validation of debt, including proof from my liability and a detailed transaction. History investigation conduct a full investigation into this account and seize all collection activities into validated credit report, Correction, pursuant to the Fair credit reporting act, and assure this account is deleted from my Credit profile. I have contacted XXXX XXXX who have sent dispute letters out to them on my behalf. I have also sent a dispute letter to XXXX XXXX XXXX XXXX and they still continue to call me and text not acknowledging my request to validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
On XX/XX/year> I made a payment of {$11000.00} to MOHELA. {$3900.00} of that payment is missing. It did not get applied to the loan it should have, nor does it appear anywhere else on my account. The missing amount should have paid off the XXXX Direct Loan - Unsubsidized in its entirety. I tried contacting MOHELA customer service 3 separate times and received 3 different answers to the issue. The first time I was told it could take up to 3 months for the payment to reflect in my account. So I called again 3 months later when the {$3900.00} was still missing from my account. After waiting over 3 hours on the phone for a representative to come up with a solution, I was told that the issue on my account would be fixed by XX/XX/year>. That day has passed with no appearance of the missing money. So today, XX/XX/year>, I called MOHELA customer service for a 3rd time. I went through 3 representatives who were all unhelpful in their own way. The first one could not keep the numbers straight or understand the issue, so she transferred me to another representative. The second representative was very rude, and when I explained the problem, he never responded. The phone sat silent for probably 2-3 minutes before I was placed back on hold, and the automated voice said it would be another 35 minutes before I would be connected with a representative. The third representative was dismissive and said that I needed to go on their website and submit proof of payment. I asked her if that was the case, why did no one tell me that the first two times I called? She could not produce a response other than an apology and to submit the proof of payment. 

Just to be clear on the numbers and what is appearing on my account ; XX/XX/year> I made a payment of {$11000.00} The loan that was disbursed on XX/XX/year> entered a 120-day loan cancellation of {$3700.00} The only other payment listed on my account is from XX/XX/year> for {$3500.00} {$11000.00} - {$3700.00} - {$3500.00} = {$3900.00} missing The missing amount should be applied to loan XXXX in the amount the loan was on XX/XX/year> ( date I paid it off ). The leftover sum is from the interest I paid on the 120-day cancellation and should be credited or applied to loan XXXX if possible.

Company response to consumer: In progress
Consumer complaint received 2025-09-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I ask the to fix this problem again with my account that happen in XXXX and they didnt do anything again. Now my account is negative XXXX because it try to take money from a account for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> I deposited a check received from a client to purchase material and secure work from my business. The bank received and accepted the check and stated the funds would be available within 24 hours. The bank later stated an extended hold had to be put on the deposit because the clients signature went through the account number. I was advised that it was still visible however the computer could not read the check number. On XX/XX/year>, My concerns were raised to the executive office of chase bank and I was advised that they would do additional research. During this time I was unable to access the funds and offered to do a 3-way call with the client and their bank to verify the funds and have them released. Chase bank refused. Due to not having access to the funds that were deposited, I was not able to purchase the material needed for the job i was hired to do which in turn caused damage to the clients home and left me liable for damages. Chase bank is still holding the funds and refusing to make things right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
American express charged annual fee of {$690.00} after agreement states " None '' for annual fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
As the account holder XXXX XXXX XXXX my account was over-drafted on XX/XX/XXXX when I had made an atm withdrawal of {$900.00} what was in my account was around {$1100.00} at the time I had two charges processing even when I contacted Bank of America they told me that the funds for those transactions ( {$300.00} for XXXX XXXX and {$1900.00} for XXXX XXXX XXXX ) were supposed to be held so I had no access to them but I still have to pay for the overdraft

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 2025-09-27 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-09-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
We terminated service with XXXX XXXX  about 60 days ago and returned all of their equipment. The XXXX XXXX store said they could not print a receipt for the return equipment. That made me suspicious. Later discovered their technician had cut the cable connection so it has to be replaced at a cost of {$500.00}. They sent a bill for {$100.00}. I asked what this was for and demanded restitution for the damaged cable. They did not respond. Now Harris and Harris Ltd has sent a demand for that amount and threatened to damage my credit. XXXX. file # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, American Express sent me an email canceling my XXXX XXXX. At the bottom of that email, Amex explicitly instructed me to redeem my Membership Rewards points within a limited time. Acting in good faith, I attempted to do so. However, every attempt to redeem was blocked instead I was redirected only to debt collection. 

In a XX/XX/year> response, Amex now claims that when they cancel an account, all points are forfeited immediately ( except for New York cardmembers ). This directly contradicts the XX/XX/XXXX closure email, which told me to redeem. Amex also admits in that response that their representatives gave me incorrect information about redemption eligibility.

By ( 1 ) instructing me to redeem points, ( 2 ) blocking every redemption attempt, and ( 3 ) later denying redemption entirely, Amex engaged in deceptive and unfair conduct under UDAAP. This caused me to lose the full value of my earned Membership Rewards points an economic harm equivalent to denying earned rebates or credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Debtor added debt to my credit report without my knowledge violating my right to dispute. I reached out requesting below and still havent received proper verification. 

I am writing in regarding a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. XXXXg ), I am requesting that you provide me with proper validation of this debt. Please note that this is not a refusal to pay, but a request for verification. 

Please provide the following information XXXX. Forward Flow Agreement XXXX. Chain Of Assignment XXXX. Proof that you have the legauthority to collect this debt, including a copy of the agreement between you and the original creditor. 

XXXX. A complete itemization of the debt, including the original amount, interest, fees, and any other charges. 

XXXX. The name and address of the original creditor and any account numbers associated with the debt. 

XXXX. Proof that the statute of limitations has not expired on this debt. 

XXXX. A copy of any signed agreement showing that I agreed to this debt. 

XXXX. Your license number and the state in which you are authorized to collect this debt. 

Until you provide this validation, I request that you cease all collection efforts, including reporting this debt to credit bureaus as unverified. 

If you can not validate this debt, I request that you remove it from my credit report and cease all further contact with me regarding this matter. 

Please respond to this request within XX/XX/XXXX days of receiving this letter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Payment owed amount is wrong and Is making my credit drop like crazy

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 2025-09-27 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief