vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I never did business with JEFFCAPSYS RE : You violated The United States Code Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. USC 1681b Permissible purpose of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and states.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-28 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:
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 2025-07-28 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and obsolete information listed on my Experian credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request that your agency conduct a reasonable investigation and remove the following inaccurate items : Negative Items to Dispute : XXXX  - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ( duplicate listings ) XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Please investigate these accounts and inquiries, and if they are found to be unverifiable or inaccurate, delete them from my credit file immediately.

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 2025-07-28 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within XXXX  days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
XX/XX/year> sent debt validation letter disputing the amount of {$880.00} and {$650.00}. There has been no response verifying that I owe their company this debt along with failing to send information about this debt that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I joint signed for my daughter to establish credit with her first credit card as a college student in XXXX. In XXXX of XXXX my daughter was in a remote part of XXXX  for work and attempted to pay her credit card from her phone and thought the payment had gone thru. It did not. It was immediately resolved and paid as soon as she discovered it in XXXX. She and I had a flawless payment record and credit scores. This XXXX time incident has had a devastating effect on both our credit scores. My credit score went from XXXX to the low XXXX 's. I spoke to credit agencies and Bank of America ( the credit card issuer ) to no avail. I feel Bank of America is being punitive and disproportionate in their handlining of this XXXX time late payment caused by an extenuating circumstance for a minor charge that was immediately resolved. This has wrecked both our credit scores when we have both always handled our financial obligation seriously with care and consistency. Its disheartening to see years of responsible management overshadowed by a single mistake, especially XXXX made under such difficult and uncontrollable circumstances. Lesson learned was to set up auto-payments which was done, but a month too late.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding XXXX Bank and the inaccurate and misleading reporting of a charged-off account on my credit report, which is in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). 

Account Information in Question : Creditor : XXXX Bank Account Type : Credit Card ( Revolving ) Reported By : TransUnion ( screenshot provided ) Account Number ( Last 4 ) : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Status : Charged off / Profit and Loss Write-Off Date Last Active : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Last Reported : XX/XX/XXXX Violations and Inaccuracies : XXXX. Violation of FCRA 1681e ( b ) Reporting Accurate Information : The credit report reflects conflicting dates, such as a last payment on XX/XX/XXXX and last activity on XX/XX/XXXX, which is contradictory and misleading. The number of months ( terms ) is also listed as XXXX, which is illogical for a credit card account that was active for over six months.

2. Violation of FCRA 1681c ( a ) Reporting of Obsolete Information : The charge-off account continues to be updated with a recent reporting date of XX/XX/XXXX, even though the account was charged off more than 3 years ago. This is an attempt to re-age the debt, which violates the FCRAs 7-year limit from the date of first delinquency.

3. Violation of FCRA 1681i Failure to Correct Inaccurate Information After Dispute : I have disputed this item previously, and no reasonable investigation was conducted. The inaccurate status, misleading activity dates, and balance continue to be reported without correction. 
XXXX. Violation of FCRA 1681s-2 Responsibilities of Furnishers of Information XXXX XXXX Bank has continued furnishing inaccurate data and has failed to update or delete incorrect information, as required by law. 

Supporting Evidence : I have attached a screenshot of the IdentityIQ credit report entry that clearly shows : Inconsistent dates ( last payment vs. last activity ) Outdated and misleading charge-off reporting Unjustified reporting of full balance as past due after charge-off

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 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MS

Complaint narrative:
Zion Debt Holdings placed a collection on my credit report in XXXX without ever sending me a notice of any alleged debt. 

I requested XXXX to validate my debt and never received a response from XXXX. I mailed another request for validation to XXXX certified mail, return receipt requested to XXXX and it was returned as undeliverable. I filed a dispute with the credit bureau and the debt was removed from my credit report in XXXX. 

In XXXX of XXXX, the debt was re-reported to my credit report and tanked my XXXX XXXX again. XXXX is not registered in my state as a business. I do not believe they have any right to operate as a debt collector in my state. 

Further, the date of the alleged debt does not correspond to any debt or account that I have ever opened. The amount of the alleged debt attempted to be collected is almost {$2400.00} and I do not have any outstanding obligations even close to that amount. 

This entire situation is fraudulent.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Date : XX/XX/year> To : Credit Collection Services XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Debt Validation Account # XXXX Dear Credit Collection Services, I am writing in response to a collection notice I received regarding an alleged debt with the original creditor listed as XXXX XXXX XXXX XXXX. Please be advised that I am requesting a full validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec. 809.

This letter is not a refusal to pay, but a request that you provide complete documentation validating the debt before any further collection activity is undertaken. Specifically, I request the following : The name and address of the original creditor ( XXXX XXXX XXXX XXXX ) ; The original account number and the date the account was opened and closed ; The total amount of the alleged debt, with a breakdown of all fees, interest, or penalties added ; A copy of the original contract or agreement bearing my signature ; Documentation showing your authorization to collect this debt on behalf of the original creditor or proof of assignment ; Proof that the statute of limitations on this alleged debt has not expired ; Verification that you are licensed to collect debt in my state. 

Until this information is provided, I am requesting that you cease all collection activities, including reporting this debt to any credit reporting agencies. If you have already reported this account to the credit bureaus, I request that you immediately inform them to mark the account as in dispute. 

Please note : I am also requesting that all future communication from your company be conducted in writing only. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: PR

Complaint narrative:
In XX/XX/XXXX, I previously filed two formal complaints with Experian via CFPB ( case # XXXX on XXXX, XXXX, and case # XXXX on XXXX, XXXX ). Both complaints were closed with company responses, but none of the errors I disputed were corrected or removed. 

I specifically disputed the following unresolved issues : Hard inquiries missing since XX/XX/XXXX, despite applications for credit products during that period. Even after this was flagged, no inquiries were added. 

Incorrect late payments reported on accounts with XXXX XXXX, XXXX, XXXX Bank XXXX XXXX XXXX ), and XXXX, none of which were validated by creditors in response to my disputes. 

Duplicate entries for Department of Education XXXX XXXX accounts, all showing identical opening dates, balances, and account statusesartificially inflating my debt. 

Credit utilization reported at 287 %, which is mathematically impossible based on the actual credit limits and balances. 

XXXX account inaccurately labeled " delinquent '', despite being under official forbearance status, which by law ( CARES Act and FCRA ) should not negatively impact my credit score.

I also requested documentation of Experians dispute investigation process, including what evidence was forwarded to furnishers, responses received, and justification for rejecting any of my evidence. They provided a generic response confirming that an investigation took place, but failed to explain why none of my proofs were accepted, whether any dispute was classified as frivolous, or how they interpreted my documentation. 

Despite supplying screenshots, bank statements, forbearance letters, utilization calculations, and comparative data, Experian has not addressed or corrected a single one of the disputed items. This appears consistent with recent CFPB findings that Experian often conducts sham investigations, fails to forward consumer-submitted documentation, and reinserts inaccurate tradelines after disputes were previously resolved

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 2025-07-28 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX  / Account Number : XXXX XXXX XXXX  XXXX / Account Number : XXXX XXXX / Account Number : XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: DE

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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