vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only accurate, complete, and verifiable information. I am requesting verification of these entries, and if they can not be verified, I ask that they be corrected or deleted.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XX/XX/2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. XXXX XXXXXXXX

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IN

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 may 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 seven 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 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a bed as part of a charitable action for a friend, using my Synchrony Bank credit account. I believed this was a one-time purchase, and Ive been making monthly payments toward the balance. 
However, despite nearly completing the payments, Synchrony recently withdrew {$440.00} from my account and claimed I still owe {$2900.00}, which does not match my records or expectations. I had already filed a complaint, and Synchrony was aware of my concerns, yet the charges continued. 
At this point, I simply want Synchrony Bank to provide the final payoff amount so I can pay the remaining balance and close the account permanently. I am requesting a clear breakdown of what I owe, including any fees or interest, and written confirmation that the account will be closed once payment is made.

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing the validity of a collection account placed by Jefferson Capital Systems and their deceptive practices. My dispute is based on their failure to provide legally required validation of the debt after two formal written requests and their provision of false information. 

On XXXX XXXX XXXX, and again on XXXX XXXX XXXX, I sent debt validation letters to Jefferson Capital via certified mail. I specifically requested proof of their legal ownership of the debt, such as a bill of sale or assignment agreement from the original creditor, XXXX XXXX. 

In response to my first request, I received a letter dated XXXX XXXX XXXX. The only documentation provided was old account statements from the original creditor, XXXX XXXX. These statements do not constitute validation, as they completely fail to prove that Jefferson Capital is the legal owner or assignee of this account. They provided no bill of sale, assignment agreement, or any other documentation showing the chain of title. 

Crucially, their XX/XX/XXXX letter falsely claimed, " Our records indicate that we are not reporting this account. '' This is demonstrably false. My credit reports from both XXXX and XXXX show that Jefferson Capital reported the account on XXXX XXXX XXXX and XXXX XXXX XXXX, respectively, after they made this false claim.

Despite their failure to validate and their deceptive communication, Jefferson Capital has continued collection activity via credit reporting. 

By failing to provide validation, making a false statement, and continuing to collect, Jefferson Capital is in violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the CFPB ensure Jefferson Capital ceases all collection activity, deletes the account from my credit reports, and is held accountable for its deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NC

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS 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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Help my rights are being violated, XXXX XXXX. XXXX ( b ) of the FDCPA requires debtcollectors to cease collection activities and provide proper validation of the debt whenrequested in writing within XXXX days of initial contact. The accounts Ive referenced arenot XXXX % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. I am going through so much right now, I can't get aproved for anthing with this on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> Cashapp closed my account without giving me a reason other than a blanket statement that I violated policy. However they could not tell me how I violated policy and despite the notice of closure stating I could contact support to appeal the decision, the support team had no idea how to assist with said appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
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 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 2025-10-22 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 sending to dispute inaccurate information currently appearing on my credit report. These errors have negatively affected my credit standing and do not reflect my true financial history or the responsible manner in which I have managed my obligations. Discovering these inaccuracies has been concerning, as I take pride in maintaining good payment habits and honoring my commitments. The presence of unverifiable data has caused unnecessary stress and may impact future opportunities such as obtaining credit, housing, or employment. Under the Fair Credit Reporting Act ( FCRA 1681i ), I have the right to dispute any inaccurate or incomplete information, and FCRA 1681e ( b ) requires that all data in my file be maintained with maximum possible accuracy. I respectfully request that these matters be investigated promptly and any unverifiable information be permanently deleted to ensure my credit report accurately reflects my financial history. 
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/year>

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

XXXX XXXX XXXX XXXX  XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX A XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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

XXXX XXXX XXXX XXXX  XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX A XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX a saw a transaction charge of {$110.00} from XXXX XXXX and immediately called capital one dispute team and they asked me several questions which I answered accordingly. 

I stated to the rep that I did authorized the transaction made on XX/XX/XXXX for the amount of {$160.00} that includes a {$50.00} security deposit because thats when I had checked in/stayed at the hotel and and I did not authorized the transaction made on XX/XX/XXXX Then the representative removed the charge of {$160.00} from my account and issued a credit of {$110.00}. 

On XX/XX/XXXX I got an email from Capital one asking for proof of receipt. I did not have it with me but I did took screenshots of transactions for XX/XX/XXXX and XX/XX/XXXX. I had hard time getting ahold of the hotel, and finally I was able to get a copy of the reservation. On XX/XX/XXXX when I was about to send proof for my claim I received an email stating that my claim was denied due to not providing evidence. I reached out to customer service that same day and as well as XX/XX/XXXX asking to reopen my claim. All I was told is that somebody from capital one was going to call me but they never did. 
I called the hotel and I spoke to the hotel manager and explained the situation with transactions. 
He stated that he does see in their system the payment of {$160.00} which was made on XX/XX/XXXX And that on XX/XX/XXXX they had reimbursed the {$50.00} security deposit back to my account. 

I asked why i was charged on XX/XX/XXXX for the amount {$110.00} and that I do not see {$50.00} security deposit reimbursement on my bank aacount, and he stated that they didnt do that transaction and that I should check with my bank on why I havent received the security deposit into my account and that theyre could be a discrepancy from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am filing a comnplaint to formally dispute several items on my credit report and demand their permanent removal, not correction. Despite my previous attempts to ensure accuracy, my credit files continue to contain inaccurate, unverifiable, and unauthorized information that has caused and continues to cause significant harm to my creditworthiness. I am exercising my rights under federal law to demand that these items be permanently deleted from all three bureaus. 
The Late Closed account currently listed as XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} XXXX XXXX is being reported inaccurately and should be removed in full compliance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting. Additionally, 605B / 15 U.S.C. 1681c-2 gives me the right to permanently block information resulting from identity theft, fraud, or unverifiable reporting, all of which apply to this account.

Furthermore, the following Charged Off accounts with XXXX XXXX XXXX remain on my credit report despite being inaccurate and unverifiable. These accounts show balances of {$2800.00}, {$6400.00}, and {$18000.00}, and continue to be reported without the issuance of a Form 1099-C to validate cancellation of debt. Their reporting violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to the lack of verification, and each of these items should be permanently removed immediately. Their continued presence is damaging, misleading, and in direct violation of my consumer rights under federal law. 
In addition, there are several unauthorized inquiries that have been reported without my consent or any permissible purpose, including XXXXXXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX dated XX/XX/year>, and XXXX XXXX dated XX/XX/year>. These inquiries violate 605B / 15 U.S.C. 1681c-2, FCRA 619 15 U.S.C. 1681q, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all of which restrict access to consumer credit reports without proper authorization or a legitimate purpose. I am demanding the permanent removal of these inquiries from my credit report immediately.

Company response to consumer: Closed with non-monetary relief