vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CL Holdings LLC
State: OH

Complaint narrative:
Re : Jefferson Capital Systems Account Number XXXX Dear Consumer Complaint Division, I am filing a formal complaint against Jefferson Capital Systems regarding account number XXXX, opened in XX/XX/year>. The original creditor is XXXX XXXX, and the original amount is {$3500.00}. Jefferson Capital Systems is acting as a debt buyer with address ID # XXXX. 
Jefferson Capital Systems has engaged in aggressive and unlawful debt collection practices that violate federal consumer protection laws, specifically : Failure to provide proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Use of harassing and misleading practices, contrary to 15 U.S.C. 1692d and 1692e.

Reporting unverifiable and potentially inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Failure to disclose sufficient documentation proving ownership and the chain of assignment of this debt, violating transparency requirements.

I demand that Jefferson Capital Systems immediately cease all collection and credit reporting activities related to this account until they provide full and verifiable documentation, including the original account statements and proof of legal ownership. Until such validation is provided, all inaccurate information must be removed from my credit reports. 
Failure to comply with these requests will leave me no choice but to pursue further legal action and regulatory enforcement. 
Please confirm receipt of this complaint and provide a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Formal FCRA Dispute Removal of Inaccurate and Re-Aged Accounts Request for investigation and Deletion of Inaccurate Accounts Dear Experian, I am writing to formally dispute an inaccurate account listed on my Experian credit report. This item violates the Fair Credit Reporting Act ( FCRA ) by reporting inconsistent, re-aged, or false data. Under FCRA XXXX ( B ), XXXX ( A ), and XXXX ( A ), you are required to delete or correct any information that can not be verified as accurate. XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/year> Account Number : XXXX Violation : Date Last Active inconsistent TransUnion XX/XX/year> and Experian XX/XX/year>. Action : Delete for violation. Please conduct your investigation within 30 days, delete all unverifiable or inaccurate information, and send me an updated credit report showing all changes per FCRA XXXX ( a ). Thank you for your attention to this matter. Sincerely, 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 2025-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Dear CCB/XXXX  When I reviewed my credit report recently, I was surprised to see late payments reported on my account XX/XX/year>. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that XXXX have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which XXXX have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: IN

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information on my credit report. Specifically, the following address is reported in error : XXXX XXXX, XXXX, XXXX XXXX This address has never been associated with me. Its presence on my credit report is entirely incorrect and is causing me serious concern regarding the accuracy of my credit profile. I have no knowledge of this address, and I did not authorize any account or activity linked to it. 

I request that this incorrect information be investigated and removed from my credit report immediately. Accurate reporting of my personal information is crucial, and the continued presence of this false information is unfair and misleading. 

Please confirm receipt of this complaint and provide updates on the steps taken to correct this error. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I purchased XXXX sets of doors at XXXX. I had an issue with the XXXX x XXXX door after my handyman installed it. I noticed damage on each corner, which did not appear to be from shipping but rather from how the doors were molded, since the same damage is on the same corner of each panel. I tried to resolve this by filing a dispute with XXXX XXXX, processed by Citibank. I received a call, but I dont recall the exact date, from XXXX XXXX stating they had no record of my complaint and offered to let me return the doors. The problem is I paid the handyman, and I would have to pay him again to remove and reinstall new doorsan unfair situation. The product was damaged, and I want to file a dispute since the service was not delivered. I havent received any response from XXXX XXXX or a denial of my dispute. I believe Citibank is violating Reg XXXX because I did not receive a provisional credit, nor was I offered any alternative except to return the doors and get a replacement, which is unreasonable because I would have to pay XXXX times for removal, replacement, and installation.

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 2025-11-08 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.

Complaint narrative:
I haven't received any response from the XXXX in over 30 days, and it seems like my concerns are being ignored. According to Section XXXX ( a ), if they don't look into these issues within that period, they should be taken off my credit report. Sadly, it's been more than a month, and none of the accounts have changed.

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 2025-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Subject : Possible Discrimination and Unfair Treatment in Home Lending Application TD Bank / XX/XX/XXXX ) Complaint Summary : I am filing this complaint to report a concerning and potentially discriminatory experience I had during a home lending process with TD Bank involving loan XXXXXX/XX/XXXX XX/XX/XXXX ). 

Details of Incident : On XX/XX/year>, at approximately XX/XX/XXXX received a call from TD Bank regarding my home loan application. I was connected with XXXX XXXX XXXX. 

When XXXX XXXX first heard my voice, he hesitated before continuing the conversation. He then asked me to verify my identity, which I understood as a standard procedure. However, after verification, his tone became suspicious and condescending as he began to ask me a series of invasive and repetitive questions about my employment and income that I had already provided in my application. 

Without my consent, he changed my employment status on the application from employed to self-employed. When I questioned this change, he stated that he was an underwriter and that this was his policy. This seemed inaccurate and inappropriate, as I had already submitted verifiable employment information. 

I explained that my tax returns and income documentation would clarify my employment and income with the underwriting team, and that I had never been subjected to such extensive questioning in prior loan applications including those that had already reached the underwriting stage. Despite this, XXXX XXXX continued to press with invasive questions that made me feel as though I was being prescreened for a denial, rather than being evaluated fairly. 

The tone, line of questioning, and arbitrary change to my application led me to believe I may have been treated unfairly or discriminated against, possibly based on personal characteristics unrelated to my creditworthiness. 

Requested Resolution : I request that the CFPB investigate this matter, including whether : TD Bank and/or XXXX XXXX followed proper procedures in reviewing my loan application, My application information was altered without my consent, and I was subjected to discriminatory treatment during the lending process in violation of the Equal Credit Opportunity Act ( ECOA ) or other fair lending laws. 

I would appreciate confirmation that TD Bank will review this interaction, correct any improper changes to my application, and ensure that all future communications are handled in a professional, unbiased, and compliant manner. 

Institution : TD Bank XX/XX/XXXXXXXX : XXXX XXXX, XXXX IDXX/XX/XXXXXXXX Date/Time of Call : XX/XX/year>, at XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX Date : XX/XX/year> To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Formal FCRA Dispute Removal of Inaccurate and Re-Aged Accounts Request for investigation and Deletion of Inaccurate Accounts Dear Experian, I am writing to formally dispute an inaccurate account listed on my Experian credit report. This item violates the Fair Credit Reporting Act ( FCRA ) by reporting inconsistent, re-aged, or false data. Under FCRA XXXX ( B ), XXXX ( A ), and XXXX ( A ), you are required to delete or correct any information that can not be verified as accurate. XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/year> Account Number : XXXX Violation : Date Last Active inconsistent TransUnion XX/XX/year> and Experian XX/XX/year>. Action : Delete for violation. Please conduct your investigation within 30 days, delete all unverifiable or inaccurate information, and send me an updated credit report showing all changes per FCRA XXXX ( a ). Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying to get capital one to investigate my dispute correctly yet they have not done so. They have not responded to a single email I have sent unanswered emails for weeks now. Capital one has been highly unprofessional in the dispute and has done no investigation on my behalf despite excessive documentation I provided on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I had a fraudaulent charge on my debit card on XX/XX/year> to XXXX XXXX  for {$22.00}. I have never had a XXXX XXXX  account/subscription - there were a few other charges someone had stolen my account numbers and was using them ( I have closed that debit card ). 

I have contacted XXXX XXXX  and they say someone opened a subscription with my information, charged me, and closed the subscription and they can not refund since i have no current subscription - XXXX told me to have chase just do a chargeback for my {$22.00} so I contacted the chase fraud department again and asked them to just do a chargeback XXXX will not fight it or anything and they just say 'Due to their rules/policies they can not do it '. 

Chase, XXXX and myself all agree it is an unauthorized charge and im just trying to get refunded from a scammer but the bank will not refund/chargeback/resolve this unauthorized transaction despite their XXXX XXXX XXXX ' that they claim to provide us customers. 

A bank should protect their account holders rather than leave them out to hang from scammers. 

Thank you, looking for a new more secure bank now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX * * To : * * Equifax, XXXX XXXX [ Credit Bureau Address ] * * Subject : * * Request for Deletion Credit Report Dispute Dear Sir/Madam , I am writing to formally dispute inaccurate information on my credit report and request the deletion of any unverifiable or incorrect accounts. 

* * Disputed Information : * * * * * Account Name : * * [ Insert Account Name ] * * * Account Number : * * [ Insert Account Number ] * * * Reported Balance : * * [ Insert Balance ] * * * Status : * * [ Insert Status ] * * * Date Opened/ Last Activity : * * [ Insert Dates ] * * Grounds for Deletion : * * XXXX. * * Inaccurate Reporting ( FCRA 1681i ( a ) ) : * * The account contains information that is incomplete or inaccurate. All information reported must be complete and verifiable.

2. * * Failure to Verify ( FCRA 1681i ( a ) ( 1 ) ( A ) ) : * * If the bureau can not provide valid documentation from the original creditor, the account must be deleted.

3. * * Statute of Limitations / Obsolete Reporting ( FCRA 1681c ( a ) ) : * * Accounts older than XXXX years from the date of last activity may not be reported and should be removed. 

4. * * Collection Assignment Errors : * * If any collection or assignment information can not be fully verified, it must be deleted.

* * Request : * * Under the FCRA, I request an immediate investigation and deletion of any account that can not be fully verified. Please provide written confirmation of the deletion or correction within the 30-day timeframe required by law. 

Enclosed are copies of supporting documentation to assist with your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, TN XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Unverified Third-Party Collection Accounts/ Request for Deletion Dear TransUnion XXXX Department XXXX I am submitting this notice to dispute and request removal of the following collection accounts from my TransUnion credit file : Automated Collections Account # XXXX XXXX XXXX XXXX Account # XXXX I C System Account # XXXX These accounts were reported to my consumer report without proper notice or validation, which is required prior to furnishing under Regulation XXXX  ( CFPB, effective XX/XX/XXXX ) and FDCPA XXXX ( a ) regarding restrictions on credit reporting of unverified debt. 
Additionally, under XXXX U.S.C. XXXX ( c ), I am exercising my right to request that all communication and collection activity regarding these alleged debts cease. 
Under FCRA XXXX, a furnisher may not report information that is inaccurate or can not be verified. Since these accounts were not validated prior to reporting, they are unverified and must not continue to be reported.

Requested Resolution Delete both collection accounts from my TransUnion consumer file. 


Provide an updated copy of my credit report confirming their deletion. 


I am requesting this correction to ensure the accuracy and fairness of my consumer credit report. I am seeking a resolution without escalation or litigation. 
Thank you for your time and attention. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Whom It XXXX Concern, On XX/XX/2025, I used my Cash App account XXXX XXXX XXXXXXXX ) to buy {$77.00} worth of XXXX. Right after the purchase, the XXXX showed up in my balance, but I have been unable to withdraw, sell, or send it since then. It still shows as unavailable in my XXXX section. 

Actions Taken XXXX. I contacted Cash App Support in the app yesterday ( XX/XX/XXXX ) and was told the issue would be reviewed. 
XXXX. I checked my account and ID verification everything is up to date, but the XXXX is still locked. 
XXXX. I also restarted the app and tried again today ( XX/XX/XXXX ) with the same result. 

Requested Resolution Please either unlock my Bitcoin so I can withdraw or sell it, or refund the {$77.00} back to my Cash App balance or the original funding source. I have screenshots of the XXXX transaction and the support chat if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: MS

Complaint narrative:
* * DISPUTE LETTER CREDIT REPORT INACCURACYXX/XX/XXXX ToXX/XX/XXXXExperian XX/XX/XXXXXXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX * * From :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXXXX/XX/XXXXSubject : XX/XX/XXXXFormal Dispute of Credit Report Errors XX/XX/XXXX Account -- - Dear Credit Bureau Representative, I am writing to formally dispute inaccurate and inconsistent information reported on my credit report regarding the following account XX/XX/XXXX XX/XX/XXXX The reporting for this account contains multiple discrepancies, which violate the * * Fair Credit Reporting Act ( FCRA XXXX ( a ), 607 ( b ), and 611 ( a ) ) XX/XX/XXXX Discrepancies IdentifiedXX/XX/XXXX Conflicting Account Status : XX/XX/XXXX Experian reports the account as Open, while TransUnion reports Closed. Inconsistent reporting violates XX/XX/XXXX FCRA 607 ( b ) XX/XX/XXXX 

XX/XX/XXXX Future Dates/ Inaccurate Dates : XX/XX/XXXXStart Date is listed as XX/XX/XXXX and Last Activity as XX/XX/XXXX on TransUnion. Clearly inaccurate. 

XXXX. * * Date Opened Mismatch : XX/XX/XXXX Experian : XX/XX/XXXX * TransUnion : XX/XX/XXXX * Minor differences still constitute inaccuracy under * * FCRA 607 ( b ) * *. 

XXXX. * * Missing Date Closed : * * * Both bureaus fail to report a closure date. 

XXXX. * * Consumer Dispute Not Fully Reflected : * * * Comments indicate the account is disputed, but reporting XXXX not fully reflect this under * * FCRA 611 ( a ) XX/XX/XXXXRequested Actions * * Under the * * FCRA * *, I request : 1. Conduct a * * full investigation * * with the creditor to verify all reported information. 
XXXX. Correct all inaccuracies, including : * Account Status * Start Date / Last Activity * Date Opened/ Date Closed * Addition of the consumer dispute comment XXXX. If the creditor can not verify the information, * * remove this account from my credit report entirely * *. 
XXXX. Provide * * written confirmation * * of the investigation results within * * 30 days * *, as required by law. 

I have included supporting documentation to verify the disputed information. Please ensure that all reporting reflects * * accurate, complete, and verified information * * in compliance with the * * FCRA * *. 

Thank you for your prompt attention to this matter. 

Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/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 non-monetary relief