vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
A new collection account from Jefferson Capital Systems suddenly appeared on my credit report without any prior notice, authorization, or explanation. I have never entered into any agreement with this company. I have never given them permission to obtain, store, share, or report my personal information. I was not contacted by Jefferson Capital Systems at any point before this information was placed on my consumer file. 

The documents they rely on must include a signed contract or any form of written consent that connects me to them. No such evidence has ever been presented. Without a legally valid contract or transfer authorization, Jefferson Capital Systems has no lawful basis to report this information under the Fair Credit Reporting Act. 

A third party can not appear on my credit profile unless they can demonstrate a verified assignment of rights and a clear chain of ownership from the original creditor. They must also show that I was notified about any sale of the account. None of these requirements have been met. Because of this, the reporting appears inaccurate, incomplete, and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-01 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: SC

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 explanation
Consumer complaint received 2025-12-01 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: SC

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 explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: SC

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 explanation
Consumer complaint received 2025-12-01 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: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
my information has been used to create fraudlent accounts and i'm needing the accounts removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint because Chime denied my fraud dispute without completing a proper investigation and without considering the evidence I provided. 

Between XX/XX/XXXX and XX/XX/XXXX, multiple unauthorized transactions occurred on my account. During this exact timeframe, I was hospitalized and could not have performed these transactions myself. I submitted my hospital admission and discharge papers as proof. 

My dispute is Claim ID XXXX. Chime denied my dispute but refused to provide any details about how the investigation was performed. They have not provided a final written determination or any explanation of their findings, which they are required to provide under Regulation E ( Electronic Funds Transfer Act ).

I also filed a XXXX complaint, but Chime only responded with a generic message and did not address the evidence I submitted. The BBB closed the case because the business refused to cooperate, and my issue remains unresolved.

Chime has not followed Regulation E guidelines for handling unauthorized transactions. I am requesting assistance from the CFPB to require Chime to conduct a proper investigation and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-01 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-01 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:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XX/XX/year> amount : XXXX On XX/XX/XXXX, an unauthorized transfer was made from my Bank of America credit card to an XXXX XXXX credit card. I did not initiate, authorize, or approve this transfer. There was also a second attempted transaction on the same day, which I was able to detect and call in to stop before it was completed. 

Bank of America has since rejected my claim, stating that the transactions were conducted from my phone number. In order to verify this information, I contacted XXXX XXXX XXXX my mobile carrier. XXXX XXXX XXXX confirmed that there is no record of any call, message, or activity from my phone number at approximately XXXX XXXX the time these transactions were allegedly made. This supports that my phone was not used to authorize or initiate these actions. 

Additionally, I contacted XXXX XXXX to verify the account involved in the transfer. XXXX XXXX confirmed that I do not have any account with them other than my legitimate existing card, which has a {$1000.00} credit limit. They found no other XXXX XXXX account under my name or informationmeaning the receiving account for the unauthorized transfer is not mine. 

Based on these facts, I am formally requesting that Bank of America reopen and approve my fraud claim and credit my account for the unauthorized charges. I have taken all appropriate steps to verify that neither my phone nor any account belonging to me was involved in these transactions.

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 2025-12-01 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: PR

Complaint narrative:
Years aga I lost my wallet and now I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am filing this complaint because Bank of America wrongfully refused to release a verified transaction, even after I confirmed my identity and explicitly notified them that their refusal was causing a life-threatening emergency in a foreign country. 

On XX/XX/year>, my wife was unlawfully detained by corrupt police in XXXX. They were demanding money for her release. While the situation itself was not caused by Bank of America, I attempted to make a {$7500.00} payment to secure her release and Bank of America blocked the transaction.I immediately called Bank of America. I fully verified my identity, confirmed that the transaction was mine, explained the emergency, and explicitly asked them to allow the charge. The agent told me they could not release the block even after I provided all verification and authorization.

As a direct result of Bank of Americas refusal to release a legitimate, verified transaction, my wife was detained for a longer period of time and placed at increased risk of harm.Bank of Americas fraud-prevention rules state they may block suspicious transactions until they can verify them. I did verify the transaction, but they still refused to release it. 
This appears to be a failure of their own procedures and a breach of their obligations of good faith and fair dealing. 

I am requesting : A full internal investigation All internal records regarding the blocked transaction and the call I made An explanation for why the transaction remained blocked despite verified authorization Appropriate compensation for the harm causedI am requesting that CFPB compel Bank of America to review and respond.

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 monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
XXXX early XX/XX/XXXX I obtained a consumer report from XXXX  Services dated around XX/XX/XXXX. This XXXX  report pulls in data from the XXXX nationwide credit bureaus ( XXXX, Experian, and XXXX  ) and shows several serious problems with how my information is being reported. 
The XXXX  report shows at least XXXX major derogatory accounts : A collection account from XXXX XXXX XXXX for a XXXX utility bill with a balance of about {$1400.00}. 
A charged-off credit card account from XXXX XXXX Bank with a balance of about {$930.00} and a credit limit of about {$300.00}. 
On the XXXX  file, these same accounts appear with different and conflicting information from each bureau : For the XXXX XXXX XXXX XXXX bureau shows the account as open while another shows it as closed. The dates of last activity are different ( for example, around XX/XX/XXXX versus XX/XX/XXXX ), and the dispute status is not consistent : XXXX bureau shows the account as disputed, another shows it as not disputed. The account type is sometimes coded as an installment account instead of a collection account. 
For the XXXX XXXX Bank account, XXXX bureau shows the account as open while others show it as closed. There are XXXX different dates of last activity ( for example, in XXXX and again in XXXX ), different late-payment histories, and different dispute codes ( some show it as disputed, XXXX shows it as not disputed ). 
Because XXXX  is aggregating this information, the result is a report where the same accounts have conflicting dates, statuses, dispute codes, and account types. This makes the information inaccurate and misleading and suggests that the data can not be properly verified. It also raises concerns about whether the date-of-first-delinquency and other key fields are being reported correctly. 
Between roughly XX/XX/XXXX and XX/XX/XXXX, I have already disputed these same items multiple times directly with the XXXX credit bureaus and the companies involved, and I have now raised the issue with XXXX as well. I asked for : Verification of the accounts with documentation ( contracts, itemized bills, correct dates ), or Deletion of the accounts if they can not be fully verified and corrected. 
Despite the disputes, the XXXX  report is still showing these contradictory versions of the same accounts, as though they are accurate and verified. This is now my fourth dispute regarding these items, and the errors are still present. 
Because of this, my XXXX  report is being used to spread inaccurate, inconsistent, and potentially re-aged derogatory data to lenders and other users of XXXX products, which harms my ability to obtain credit and fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
Showing late XXXX  day and XXXX  day payments from the year XXXX to XXXX. This is keeping me from getting a job also damaging my mental health state and stress and anxiety also my livelihood als to start a small business opportunity for a loan Im being denied. Ive contacted them about these late payments showing up on my Credit Reports also Ive reported this issue several times to the XXXX XXXX XXXX XXXX. Also the federal trade commission on high interest rates and hidden fees but nothing been done.

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 2025-12-01 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: AZ

Complaint narrative:
Showing late XXXX  day and XXXX  day payments from the year XXXX to XXXX. This is keeping me from getting a job also damaging my mental health state and stress and anxiety also my livelihood als to start a small business opportunity for a loan Im being denied. Ive contacted them about these late payments showing up on my Credit Reports also Ive reported this issue several times to the XXXX XXXX XXXX XXXX. Also the federal trade commission on high interest rates and hidden fees but nothing been done.

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 2025-12-01 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: AZ

Complaint narrative:
Showing late XXXX  day and XXXX  day payments from the year XXXX to XXXX. This is keeping me from getting a job also damaging my mental health state and stress and anxiety also my livelihood als to start a small business opportunity for a loXXXX XXXX being denied. Ive contacted them about these late payments showing up on my Credit Reports also Ive reported this issue several times to the XXXX XXXX XXXX XXXX. Also the federal trade commission on high interest rates and hidden fees but nothing been done.

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received an email from Midland Credit Management XXXX XXXX regarding an alleged credit card debt with XXXX XXXX Bank, XXXX, balance {$1000.00}. I do not owe this debt, have never authorized it, and have never had an account with Midland. 
On XX/XX/year>, I contacted Midland via online chat to dispute this debt and request that they immediately stop all contact with me. The agent, XXXX XXXX, repeatedly asked for my phone number or the MCM account number, but I refused to provide any information, as doing so could be interpreted as acknowledging the debt. 
I clearly informed Midland that I do not owe the debt and that continued contact would be a violation of the Fair Debt Collection Practices Act ( FDCPA ). The chat ended with the agent stating they would close the session, but the request to stop contact was made clear. 
I am submitting this complaint because Midland has attempted to collect a debt that is not mine and has continued to contact me despite my formal request to cease communication. I am requesting that CFPB ensure Midland stops all contact and does not report this alleged debt to credit reporting agencies.

Company response to consumer: Closed with non-monetary relief