vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: TX

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 2025-10-27 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: TX

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 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
Jefferson Capital Systems is reporting a XXXX account that was allegedly sold to them. However, XXXX merged into XXXX XXXX XXXX effective XX/XX/XXXX, and no longer existed as a separate creditor. Any valid debt after that date would be owned by XXXX, not XXXX. 
The account in question reflects a balance of {$2600.00} with a XXXX billing period ending XX/XX/XXXX. If Jefferson Capital purchased this debt, the legal transfer would have had to occur from XXXX XXXX XXXX XXXX not XXXX. I requested proof of purchase or assignment directly from XXXX showing Jeffersons ownership. No documentation or bill of sale has been provided.

XXXX  closed my dispute on XX/XX/XXXX, marking the account verified and updated without supplying evidence of verification or what data was reviewed. Reporting XXXX  as the original creditor after its merger is materially misleading and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

I am requesting CFPB intervention to require Jefferson Capital to produce
verifiable proof of ownership from XXXX XXXX XXXX or permanently remove the account from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I am submitting this formal complaint regarding inaccurate and potentially unlawful credit reporting practices being conducted by the following furnishers on my credit report : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Reported Issue : Charge Off High Balance : {$63.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Reported Issue : Late Payment High Balance : {$3400.00} Date Opened : XX/XX/XXXX I am disputing the accuracy and validity of these accounts as they appear on my credit report. These items are causing significant and unjustified damage to my credit standing. After reviewing my reports, I found discrepancies that violate the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 611 ( A ) which require all reported information to be accurate, complete, and verifiable. 

Despite my previous attempts to verify and resolve these errors with the credit bureaus and the furnishers directly, the information remains uncorrected. Neither creditor has provided proper documentation or verifiable proof to substantiate the accuracy of these derogatory remarks. 

I am requesting that the CFPB launch a thorough investigation into these entities and ensure that they comply with all federal laws regarding consumer credit reporting. If they can not verify these accounts with proper documentation, I am requesting that these items be immediately deleted from all three major credit reporting agencies EquifaxXXXX XXXX XXXX XXXX 

I have attached relevant documentation and a copy of my credit report highlighting the disputed items for your reference. 

Thank you for your attention to this matter. I trust that the CFPB will act promptly to ensure that my rights under the FCRA are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX acquired a XXXX XXXX XXXX XXXX account ( ending in XXXX ) on XX/XX/XXXX, and later sold that same account to XXXX XXXX XXXX on XX/XX/XXXX. 

Despite that sale, Security continued reporting the account to the credit bureaus for months showing it as an active collection account with a {$17000.00} balance and a disputed by consumer remark, even though it no longer owned the debt. 

Experian reports from XX/XX/XXXX confirm the continued furnishing and under investigation status. 

By XX/XX/XXXX, however, Securitys tradeline had been completely deleted from Experian without any reinvestigation results, deletion notice, or certification letter. 
This silent removal violated FCRA 611 ( a ) ( 6 ) ( B ) ( ii ) ( failure to notify consumer of reinvestigation results ) and 623 ( b ) ( failure to correct inaccurate information after notice ).

Securitys last furnished update to Experian was XX/XX/XXXX ; its deletion without notice occurred between September 1025 2024. 

The result was a year of dual reporting by both PenFed and Security, leading to : Credit-score suppression ( XXXX points loss ) Increased borrowing costs and credit denials Emotional distress for a 100 % XXXX veteran living on fixed income These facts are fully documented in Experian records from XX/XX/XXXX through XX/XX/XXXX, the Security Integras sale confirmation, and CFPB Supervisory Highlights Issue 32 ( XXXX ) confirming similar industry violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NY

Complaint narrative:
Experian inaccurately reports multiple late payments on my credit report. These payments were made on time, yet the false information persists, damaging my credit score.

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 2025-10-27 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: GA

Complaint narrative:
This letter is a formal dispute and demand for reinvestigation of inaccurate items on my Equifax report. Due to the XXXX Equifax breach, strict compliance with verification standards is essential.

Negative Items to Dispute : 1. XXXX XXXX o Charge-Off ; Balance {$34000.00} ; DOFD unverifiable 2. XXXX XXXX  o Charge-Off ; Balance {$47000.00} ; potential Metro 2 noncompliance 3. XXXX o 30-Day Late Payment XX/XX/XXXX 4. XXXX XXXX o 30-Day Late Payment XX/XX/XXXX 5. Hard Inquiries 3 entries with no linked active accounts Grounds for Dispute : Same violations as detailed in prior letters, citing FCRA, FDCPA, and Metro 2 rules.

Action Requested : Please correct or delete each entry if you can not verify it with proper documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-27 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: CA

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report 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 2025-10-27 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-10-27 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:
have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My name is XXXX XXXX. I lost access to my XXXX  account in early XXXX because it was hacked. 

After contacting XXXX  Support, I was able to regain access to my account. However, when I logged in, I discovered that my XXXX balance was missing, and there was an unauthorized transfer of {$1800.00} to a XXXX XXXX account ending in XXXX on XX/XX/XXXX. 

I immediately reported this to XXXX  and filed a dispute, but my dispute was denied even though I never authorized or initiated that transfer. I have also reported this to the police, but there has been no resolution so far. 

XXXX  has also warned that my account could be closed, even though I am the victim of fraud. I am requesting CFPBs assistance in having XXXX  review this case again, recognize that I am a victim of unauthorized access, and help recover my lost funds. 

I can provide screenshots, correspondence with XXXX  Support, and any proof of my identity if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-27 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * * * * * XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/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

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 2025-10-27 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: LA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-10-27 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: LA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UPGRADE, INC.
State: NY

Complaint narrative:
On XX/XX/year>, I made two valid payments to XXXX XXXX from my Upgrade Bank account. XXXX confirmed the extra {$40.00} payment was posted and then returned, but Upgrade never re-credited it. Only two unrelated {$40.00} unauthorized debits from XX/XX/XXXX appear on my account. I filed a Regulation E claim on XX/XX/year> and sent supporting documents, but Upgrades Deposit and Banking departments gave conflicting responses and no trace ID, re-credit, or case number. This violates 12 C.F.R. 1005.11. Im asking CFPB to investigate Upgrades handling and ensure full correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint against Midland Credit Management for illegally furnishing and collecting a debt that they have not properly validated, and for obtaining or reporting my credit information without my written consent or a verified permissible purpose. 

Details : Midland claims they purchased a debt allegedly in my name but have failed to provide any valid documentation proving ownership or assignment of the account. They also claim to have sent me a validation notice in XX/XX/year>, which I never received. The FDCPA ( 15 U.S.C. 1692g ) requires debt collectors to provide full validation upon request, and the FCRA ( 15 U.S.C. 1681b ) requires written consent before furnishing or obtaining my credit information.

Despite my lack of consent and the absence of proper validation, Midland has reported this debt to credit bureaus and has garnished my wages based on a judgment that I was never properly served for. This violates my rights under : FCRA 1681b ( a ) ( 2 ) ( no permissible purpose without written consent ) FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( illegal furnishing of inaccurate or unverified information ) FDCPA 1692g ( failure to validate debt before collection ) FDCPA 1692e ( false or misleading representation of debt status ) I have already filed a Motion to Vacate Judgment in XXXX XXXX XXXX New Jersey XXXX because I was never properly served and was unaware of this lawsuit until my wages were garnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: MA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-10-27 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: MA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief