vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
I am raising this dispute because unauthorized and inaccurate accounts have been added to my credit report without my consent. I did not open or authorize these accounts, and I never received any notice of their addition. The fact that these accounts are being reported differently by each bureau is deeply concerning and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that consumer reports be accurate and reliable. 

This also breaches 15 U.S.C. 1681i, which requires that disputed items be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which grants consumers the right to complete and accurate disclosures of their credit data.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$250.00} Date Opened : XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Date Opened : XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, GA XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter

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 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide proper validation of this debt. Please provide the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized breakdown of charges and fees. 
XXXX. A copy of the original contract or agreement bearing my signature. 
XXXX. Verification that you are licensed to collect debts in my state, including your license number and registered agency. 

Until this information is provided, I request that all collection activity cease. Please note that failure to provide validation within a reasonable time XXXX constitute a violation of the FDCPA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
This complaint is not a duplicate of my prior filing. It concerns new and continuing misconduct by the XXXX XXXX XXXX XXXX following their latest response dated XX/XX/year>. In that response, they again failed to provide any evidence of proper borrower notification prior to reporting my account to credit bureaus. They now admit to sending communications only to an outdated school-provided address, even though my current and correct address was active in their system and used successfully by other loan servicers. 

They claim that records of letters exist but have not provided them. Importantly, the dates they list for contact attempts ( XXXX through XX/XX/year> ) all occurred after the account had already been reported as a collection item early in XXXX. Those communications therefore can not satisfy their legal obligation to provide notice before adverse credit action. 

Per the XXXX  XXXX XXXX own published standard in the XXXX XXXX ( 64 FR 58862 ), agencies must make ample attempts to contact a borrower before reporting a defaulted loan to credit reporting agencies. Sending a single letter to an outdated address years earlierthen sending additional letters after the credit damage occurreddoes not constitute ample attempts. 

Furthermore, the Department confirmed in multiple letters that they had my updated address and simply chose not to use it. This shows a disregard for their duty to communicate in good faith and ensure proper notification prior to reporting. Their recent responses recycle the same language and provide no meaningful new documentation or corrective action, which makes this a continuing violation rather than a resolved matter. 

I also made a good-faith offer to pay the full balance if the Department would remove the negative entry ; this was refused without explanation. I am now escalating this matter further, as I have exhausted all reasonable steps through prior CFPB submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-10-21 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: NV

Complaint narrative:
I am requesting the immediate removal of a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX from my Experian credit report, due to failure to comply with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

On or about XX/XX/year>, I submitted a written dispute and debt validation request to XXXX XXXX XXXX XXXX XXXX XXXX. I asserted that I had no knowledge of the debt and exercised my rights under federal law to receive proper validation. The law firm responded only with a lease agreement and a general breakdown of charges, neither of which satisfy the legal standard for debt validation under 15 U.S.C. 1692g. No signed documents, detailed accounting, or original proof of the alleged balance were ever provided. A breakdown of charges is not legal validation it is merely an unverified summary. 

Despite the lack of proper validation, XXXX XXXX continued to report the debt to Experian. This action violates 15 U.S.C. 1692g ( b ), which prohibits debt collectors from continuing to report a disputed debt to credit reporting agencies without first providing proper validation. 

I disputed the tradeline with Experian, expecting a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ( A ) ). However, Experian closed the investigation no documentation and no evidence of verification. They also failed to respond to my subsequent " XXXX XXXX  XXXX '' request as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). They closed this request within 24 hours, which means no attempt to contact the furnisher was made. they just threw my request into the trash. 

Experians handling of this dispute is not only negligent but procedurally noncompliant. Their actions have enabled the ongoing reporting of a legally unverified collection account, causing unjustified damage to my credit profile and financial opportunities. 

I request that this account be immediately removed from my Experian credit file, or that Experian and XXXX XXXX provide full legal documentation of verification, including original agreements, accounting logs, and itemized substantiation of the balance. If not resolved, I am prepared to escalate this matter under FCRA 616 and 617.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
CFPB Complaint Summary Jefferson Capital Systems , LLC Company : Jefferson Capital Systems , LLC Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Summary of Complaint : Jefferson Capital Systems , LLC is attempting to collect an alleged debt that has never been properly validated in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and Regulation F ( 12 C.F.R. 1006.34 ). 

On XX/XX/2025, I submitted a written request for validation of the alleged account referenced above. To date, Jefferson Capital Systems , LLC has failed to provide verification, including : A copy of the original signed agreement establishing the debt ; A complete payment history showing how the balance was calculated ; and Proof of assignment or ownership of the debt. 

Despite this failure, the company continues to report this unvalidated account to credit bureaus ( XXXX XXXX XXXX XXXX ) and engage in collection activity, which violates both the FDCPA ( 1692e and 1692f ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) for furnishing inaccurate or unverifiable information. 

This conduct has caused harm to my credit reputation and constitutes deceptive and unfair collection practices. 

Requested Resolution : I am requesting that the CFPB : Investigate Jefferson Capital Systems , LLC for repeated violations of the FDCPA, Regulation F, and the FCRA ; Require the company to delete the unvalidated debt from all consumer credit reports ; and Enforce compliance measures and penalties for continued noncompliance. 

I have attached a copy of my original validation request and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I applied for the Target XXXX credit card in XX/XX/XXXX. I was on vacation in XXXX from XX/XX/XXXX, until XX/XX/XXXX. While I was away, my apartment 's mail was stolen, and I believe my newly issued credit card was taken at that time. 
Upon noticing emails about unauthorized, declined charges, I immediately called Target XXXX Card Support to report the theft. A new card was sent to me, which I received and activated on XX/XX/XXXX. 
When I created an online account for the new card, I discovered an outstanding balance of {$390.00}. These charges are from the stolen card that I never received or activated. 
The fraudulent charges are as follows : XX/XX/XXXX : Target XXXX, XXXX XXXX, CA : {$89.00} XX/XX/XXXX : Target XXXX, XXXX XXXX, CA : {$300.00} These charges are fraudulent because I was not in the XXXX and I never gave access to my mailbox to anyone. I never got my hands on the card and could never activate it. 
Upon contacting XXXX regarding the fraud, they asked me to fill a questionnaire. I filed it via fax on XX/XX/XXXX. Target confirmed receiving the same. 
Target gave me a timeline of maximum 90 days to resolve the issue.

I called Target every other week and got the same response that they are still investigating it. 
It's been 150 days now and there is still no progress on the fraud investigation. 
My XXXX score has been severely impacted and Target kept on adding late fees and interest to my balance even though they knew that an active fraud investigation is ongoing. Target also sent my details to a collection agency. 
My XXXX score fell by 100 points. I paid off the credit card balance since I did not want my XXXX score to be impacted any further. 
XXXX promised me to remove all the fraudulent charges along with any late fees and interest incurred due to these charges once the investigation is done and is in my favor. 
The total loss is as follows : Fraudulent charges : {$390.00} Late fees : {$110.00} Interest charged : {$32.00} Total : {$540.00} ( Note : I have not used the credit card at all. There is nothing in the past XXXX statements other than these fraudulent charges. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 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:
PLEASE BLOCK AND REMOVE. 
This account has caused me significant stress and loss of sleep. All required documentation is attached, and I respectfully request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I made a purchase from XXXX XXXX XXXX XXXX on XX/XX/2025 for {$2900.00} and they requested another {$370.00} on XX/XX/XXXX for additional shipping costs. They promised quick shipping once they acquired the parts, typically XXXX business days. Unfortunately on XX/XX/XXXX, after XXXX days after my order, the items were delivered, but XXXX items were shipped damaged or were damaged in shipping. The damaged parts are the fender and the bumper. XXXX XXXX was at fault for not packaging the parts to avoid damage. I paid for an extended pallet and for the products to be packed so they were fully protected. The fender was insufficiently protected and has a giant crease in it along with XXXX metal fatigue marks by the wheel well. Another defect is the scraped primer. The parts were advertised as new and instead damaged parts were delivered. XXXX XXXX refused to provide a refund for damaged parts but they were willing to swap them out for " new '' parts. This took another month. On XX/XX/XXXX, the replacement parts were finally delivered. Unfortunately one of the " new '' items delivered was delivered damaged again. I noted this on the delivery form. I have had extensive contact with this company and they wasted many hours of mine due to their incompetence and negligence. As my past experience with Paypal has exposed their unfair dispute processes, I chose to file a dispute for {$250.00} through my bank ( XXXX ) due to the failings of the seller. Paypal facilitated the payments to the seller so the dispute was on the paypal payment of {$2900.00}. they The bank ruled in my favor due to the problematic seller behavior. Paypal now is coming after me for the {$250.00}. They created a negative balance on my account and have already withdrawn the funds in my Paypal account in the amount of {$51.00}. They also have threated to debit my bank account in fraudulent transactions to make up the remaining balance. I will notify the bank of their fraud if they attempt to do so. They are preventing my bank account from being removed from my Paypal account due to their claim of a negative balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I answered the phone they threatened to take legal action I asked for details about the claim and they never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Ive sent a good will letter to XXXX dispute and then sent a factual dispute because it can not say open account and collection account at same time and also I sent them XXXX letter and they can not provide me with my original signature or verify account nither and want this account removed from my credit profiel his is dispute letter with account number Subject : Dispute of Inaccurate Reporting XXXX XXXX Account Account in Dispute : Midland Credit Management Reporting as Open Account while listed as a Collection Account Account Number : XXXX Legal Dispute & Factual Errors This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and related consumer protection laws ( FTC, CFPB, ADA ). 
XXXX. The account is inaccurately reported as an Open Account when in fact XXXX is a collection agency. This is a factual contradiction and inaccurate reporting under FCRA 607 ( b ), which requires maximum possible accuracy. 
XXXX. A collection account can not legally or factually be reported as an open revolving/loan account. This misrepresentation harms my credit profile and misleads potential creditors. 
XXXX. No permissible purpose exists under FCRA 604 ( 15 U.S.C. 1681b ) for XXXX to furnish or report this account. I never signed a contract with XXXX, nor consented to the sale or transfer of my debt. 
XXXX. Reporting this as 'open ' constitutes a false representation of legal status under FDCPA 807 ( 15 U.S.C. 1692e ). 
XXXX. Failure to correct after notice constitutes negligent or willful noncompliance under FCRA 616-617, entitling me to statutory damages. 
Demand I hereby demand : - Immediate deletion of the XXXX account from my credit file. 
- Written confirmation of deletion within XXXX  days of receipt of this letter, as required by FCRA 611 ( 15 U.S.C. 1681i ). 
- Failure to comply will result in legal action for {$1000.00}, plus costs and damages. 
I do not consent to continued unlawful reporting. This is your legal notice. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
By the Fair Credit Reporting Act 15 U.S.C 1681 ( e ), 15 U.S.C 1681 ( i ). I want this inaccurate Negative item removed as soon as possible. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation