vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
There are companies reporting to the credit bureaus that Ive never conducted business with. They illegally purchased alleged debts and have been reporting fraudulently against me. Ive sent requests to remove inaccurate information, addresses, and names, they continue to report fraudulently

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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Exto Inc.
State: TX

Complaint narrative:
I signed up for an Atlas credit card after seeing an advertisement for a sign up bonus. It wasn't until after the sign up was completed and I had opened the account that I was informed the " sign up bonus '' was in fact a sweepstakes with a very low chance of winning. I immediately attempted to close the account, but did not receive a response until I received an email informing me the request was rejected, because I never responded to an email for more information that I never got. 

Furthermore, Atlas began debiting money from my checking account without my consent for some sort of " smart save '' feature I was not informed of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
Duplicate & Re-Aged Debt Reporting XXXX & Jefferson Capital Systems ( XXXX  | Acct # : XXXX ) I am filing a formal complaint against XXXX and Jefferson Capital Systems for unlawfully reporting the same debt twice on my Experian credit report and for engaging in what appears to be illegal re-aging of the account. 

The original creditor, XXXX ( Acct # : XXXX ), reports a balance of {$4500.00}. That debt was then sold or transferred to Jefferson Capital Systems, which is now also reporting it separately with a balance of {$2300.00} as if its a new obligation.

Major Issues : 1. Double Reporting of One Debt This is a single debt being reported twice once by the original creditor and once by the collection agency. XXXX should have updated the balance to {$0.00} and marked the account as sold or transferred. Allowing both to remain active is misleading and inflates my negative credit profile.

2. Re-Aging Violation Jefferson Capital appears to have re-aged the debt by reporting it with a newer open date or recent activity, even though the original default occurred years ago. Under the FCRA, debts may not be re-aged to extend their reporting timeline past the XXXX limit. This makes the account appear more recent and harmful than it truly is. 
XXXX. No Validation Provided I have not received any documentation from Jefferson Capital proving their legal right to collect or report this debt. There is no contract, breakdown of charges, or ownership chain provided. 
XXXX. Conflicting Balances XXXX reports a higher balance than Jefferson Capital, creating further confusion and a lack of accuracy in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
OMG everything i wrote got erased now im really not well .. FREEDOM DEBT RELIEF has supposedly helping me with my debt relief since XX/XX/XXXX and charging me {$150.00} a month to resolve my debt and i just realize that only 1 account has been resolved, that is not how it was explained to me and now my graduating date is XXXX though it says XXXX, i cant up load a photo because as i tried all my message was erased. but they have been deceiving me, and they just wasted 2 years of what i could have resolved much more by myself in agreeing to settlements with my debt collectors. I don't appreciate this SCAM that I been XXXX into, it was not what they discussed with me verbally.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
When I opened this account online the promotional offer was to earn a {$200.00} statement credit with an XXXX XXXX purchase. The site even showed the total of the ticket purchase minus the statement credit. Its been almost XXXX  months and I have not received the credit. I spoke with Citi twice. The first time I asked if there was any further purchase I needed to make to get the statement credit and the representative told me no, that Id be getting the statement credit since I made a qualifying purchase. I called back when I still didnt receive it. That representative confirmed I did make a qualifying purchase but said theyd submit a research request and Id hear back in XXXX days. Its been a couple of weeks and I still have not heard back from Citi, nor have I received the statement credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC
State: CA

Complaint narrative:
I did make a previous report against XXXX. When I was involved in an accident on XX/XX/XXXX I was told by police XXXX XXXX had insurance for his vehicle. He crashed into a parked vehicle that I rented from XXXX I did speak to his insurance verifying he did have insurance. I tried to do my research but didnt seem to have luck into verifying anything because they said they cant disclose any of the party at faults information. The police report shows he did have insurance that was under XXXX XXXX XXXX XXXX who was a claims adjuster said they were able to help. XXXX some how uses an expired insurance policy through XXXX  that was found in XXXX XXXX car. This insurance card was used to try and get XXXX XXXX insurance information, which was clearly expired in XXXX. The police provided his active insurance from XXXX XXXX on the police report but XXXX failed to verify and instead restricted my account and sent the account to fcr collections. Now there is a debt on my credit for something that was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Santander & Jefferson Capital Systems ( XXXX  | Acct # : XXXX ) I am filing a formal complaint against Santander and Jefferson Capital Systems for unlawfully reporting the same debt twice on my XXXX  credit report and for engaging in what appears to be illegal re-aging of the account. 

The original creditor, Santander ( Acct # : XXXX ), reports a balance of {$4500.00}. That debt was then sold or transferred to Jefferson Capital Systems, which is now also reporting it separately with a balance of {$2300.00} as if its a new obligation.

Major Issues : 1. Double Reporting of One Debt This is a single debt being reported twice once by the original creditor and once by the collection agency. Santander should have updated the balance to {$0.00} and marked the account as sold or transferred. Allowing both to remain active is misleading and inflates my negative credit profile.

2. Re-Aging Violation Jefferson Capital appears to have re-aged the debt by reporting it with a newer open date or recent activity, even though the original default occurred years ago. Under the FCRA, debts may not be re-aged to extend their reporting timeline past the XXXX limit. This makes the account appear more recent and harmful than it truly is.

3. No Validation Provided I have not received any documentation from Jefferson Capital proving their legal right to collect or report this debt. There is no contract, breakdown of charges, or ownership chain provided.

4. Conflicting Balances Santander reports a higher balance than Jefferson Capital, creating further confusion and a lack of accuracy in reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian | Acct # : XXXX ) I am filing a formal complaint against XXXX and XXXX XXXX XXXX for unlawfully reporting the same debt twice on my Experian credit report and for engaging in what appears to be illegal re-aging of the account. 

The original creditor, XXXX ( Acct # : XXXX ), reports a balance of {$4500.00}. That debt was then sold or transferred to Jefferson Capital Systems, which is now also reporting it separately with a balance of {$2300.00} as if its a new obligation.

Major Issues : 1. Double Reporting of One Debt This is a single debt being reported twice once by the original creditor and once by the collection agency. Santander should have updated the balance to {$0.00} and marked the account as sold or transferred. Allowing both to remain active is misleading and inflates my negative credit profile.

2. Re-Aging Violation Jefferson Capital appears to have re-aged the debt by reporting it with a newer open date or recent activity, even though the original default occurred years ago. Under the FCRA, debts may not be re-aged to extend their reporting timeline past the XXXX limit. This makes the account appear more recent and harmful than it truly is.

3. No Validation Provided I have not received any documentation from Jefferson Capital proving their legal right to collect or report this debt. There is no contract, breakdown of charges, or ownership chain provided.

4. Conflicting Balances Santander reports a higher balance than Jefferson Capital, creating further confusion and a lack of accuracy in 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 2025-06-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
15USC 1692c If a consumer notified a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication. I dont owe this company anything this is not my account and its affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX  - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX  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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
After multiple complaints of being unable to monitor my account, I paused my online account reported to PNC bank of possible hacking. I changed my email regain accesed to my online account. After my account being unaccessable on numerous occasions. Today I noticed that my bank account alerts, etc. continues to be sent to my old email account XXXX, for which I do not have access too and to which I also believes my be hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Date : XX/XX/year> Subject : Credit Report Dispute Under FCRA ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ) ) To Whom It May Concern, I am writing to formally dispute inaccurate information contained in my credit report, as provided on XX/XX/year>, under the name XXXX XXXX XXXX. The following accounts include information that I believe to be either incomplete, outdated, unverifiable, or inaccurate, and I am requesting their immediate investigation and correction or removal, in compliance with the Fair Credit Reporting Act : XXXX. XXXX Account - Account Number Ending in XXXX This account shows late payments reported for early XXXX, but no verification has been provided to substantiate the validity of these delinquencies. 
I dispute the reported past due amounts and the payment history shown for XXXX, which I believe to be inaccurate or outdated. 

XXXX. XXXX Account Number Ending in XXXX This account reflects a charge-off status and shows multiple late payments. 
As per my records, I have never received proper validation or notification as required, and I am requesting proof of debt ownership and payment history. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX in XXXX This account lists a collection status with a balance of {$800.00}, which I dispute in full. 
I request that you verify the original creditors documentation to support this claim or remove it per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Under 15 U.S.C. 1681e ( b ), you are required to ensure that all information furnished is accurate and up to date. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified within the required 30-day period must be deleted from my credit file. 

Please investigate these matters and provide me with written confirmation of your findings. If you are unable to verify the accuracy of the information, I request that it be removed immediately from my credit file. 

Please confirm receipt of this dispute and notify me of the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: MO

Complaint narrative:
On XX/XX/XXXX, I made a {$1100.00} payment to Global Lending Services. Despite this, my credit report shows {$0.00} paid for XX/XX/XXXX and reports the account as 60 days past due. This is false. The same type of reporting error occurred in XX/XX/XXXX and XX/XX/XXXX. In those cases, payments were made, but the balances increased or the payments were not reflected correctly. Some months are missing data entirely, which violates the requirement to report accurately and completely. 

I submitted a dispute through XXXX asking for correction and an explanationXXXX XXXX did not correct the issue and did not provide a description of how the account was verified. They did not provide any documentation from Global Lending Services, such as an ACDV or proof of how they verified the disputed information.

I contacted Global Lending Services directly and requested a breakdown of the payment history, clarification on how the {$1100.00} was applied, and documentation showing what they provided to XXXX  to support their reporting. They gave me no information and left the false data in place. 

This shows a pattern of inaccurate reporting by Global Lending and failure by XXXX  to properly investigate under 15 U.S.C. 1681i. Both parties failed to verify the information as required by law and have not disclosed what records were used to justify the account status. Their failure to respond with documentation and leave false data in place violates the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I have a XXXX account on my credit report thats in collections. I settled my XXXX account in XXXX of XXXX. That account status should be paid in full with XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: MO

Complaint narrative:
On XX/XX/XXXX, I made a {$1100.00} payment to XXXX XXXX XXXX. Despite this, my credit report shows {$0.00} paid for XX/XX/XXXX and reports the account as 60 days past due. This is false. The same type of reporting error occurred in XX/XX/XXXX and XX/XX/XXXX. In those cases, payments were made, but the balances increased or the payments were not reflected correctly. Some months are missing data entirely, which violates the requirement to report accurately and completely. 

I submitted a dispute through Experian asking for correction and an explanation. Experian did not correct the issue and did not provide a description of how the account was verified. They did not provide any documentation from XXXX XXXX XXXX, such as an ACDV or proof of how they verified the disputed information. 

I contacted XXXX XXXX XXXX directly and requested a breakdown of the payment history, clarification on how the {$1100.00} was applied, and documentation showing what they provided to Experian to support their reporting. They gave me no information and left the false data in place. 

This shows a pattern of inaccurate reporting by XXXX XXXX and failure by Experian to properly investigate under 15 U.S.C. 1681i. Both parties failed to verify the information as required by law and have not disclosed what records were used to justify the account status. Their failure to respond with documentation and leave false data in place violates the Fair Credit Reporting Act.

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 2025-06-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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