vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I mailed Jefferson Capital Systems a written debt validation dispute to their official address : Jefferson Capital Systems XXXX XXXX XXXX XXXX. XXXX, MN XXXX XXXX attempted delivery of my certified dispute letter, but Jefferson Capital refused or declined to accept the mail. The envelope was returned to me by USPS with the label : RETURN TO SENDER UNABLE TO FORWARD Dated XX/XX/year> I uploaded a photo of the envelope showing the certified tracking label and the USPS return sticker.

By refusing to accept my dispute, Jefferson Capital violated : FDCPA 809 ( b ) / 15 U.S.C. 1692g ( b ) A collector must stop all collection/credit reporting activity and validate the debt after receiving a dispute. 
Refusing the dispute package prevents validation and is considered an intentional avoidance. 
FDCPA 1692e & 1692f They continued reporting the debt to the credit bureaus without validating it, which is misleading, unfair, and deceptive.

FCRA 1681s-2 ( b ) Once a dispute is sent, the furnisher is required to : Conduct a reasonable investigation Verify the debt OR delete it Jefferson Capital did none of these.

FCRA 1681e ( b ) Furnishers must report accurate, complete information.

They are reporting and maintaining a debt they never validated.

Because the letter was mailed properly, addressed correctly, and returned with an unable to forward/ return to sender label, the refusal to accept my dispute shows : They received notice of the dispute They avoided validation obligations They continued reporting anyway They prevented me from exercising my consumer rights They are furnishing unverified information to credit bureaus All of this is unlawful under FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-19 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
Bank repeatedly closing unauthorized transaction claims without explanation or provisional credit Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit Unauthorized Transaction Date Error Reported : XX/XX/2025 Document Request Date : XX/XX/2025 Claim Amount : {$2000.00} Complaint Summary : I am filing this complaint because my bank is refusing to follow federal requirements under Regulation E regarding unauthorized electronic fund transfers. 

My phone was stolen, and multiple unauthorized XXXX XXXX transactions were made on my debit account ending in XXXX. I did not authorize any of these transactions. 

I reported the fraud to the bank on XX/XX/2025, and provided all documents requested on XX/XX/2025. Since then, I have disputed these charges twice, and both times the bank has closed the dispute without providing any explanation for their decision. Each time the online status simply states that the dispute is closed because they completed their investigation, but no findings, reasoning, or documentation were ever provided to me. 

Despite the bank closing the dispute twice, I have : Not received provisional credit, which is required under Regulation E Not received my money back Not received any written explanation for why the claim was denied Not been given the banks basis for determining the transactions were authorized Regulation E ( 12 CFR 1005.11 ) requires that a financial institution : 1. Conduct a reasonable investigation 2. Provide written results of the investigation 3. Provide provisional credit within 10 business days ( or 20 days for new accounts ) 4. Inform the consumer of their rights if the bank believes the transactions were authorized None of this has happened.

The bank is simply closing the dispute without explanation, without transparency, and without meeting the legal requirements of Regulation E. 

The total amount of the unauthorized transactions is {$2000.00}, and to this day I have not been refunded any portion of this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My account was blocked due to a check I deposited in the amount of XXXX from a church that was made out to me. The check can be verified and Its a real check. My account number with citi bank is XXXX my name on the account is XXXX XXXX. I also filed an open case with the citi executive reponse team. The person who is handling my case name is 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 2025-11-19 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 am submitting this complaint because my auto loan is being reported with a late payment that is inaccurate. The payment in question was reported as late around the month it occurred, but it was paid and should not have been marked as delinquent. 

I disputed this information with all three credit bureaus and contacted the lender directly. I also submitted documentation proving the payment was made. However, despite my dispute, the lender continues to report the late payment and claims the information is accurate without providing a proper investigation or proof. 

This inaccurate late payment has negatively affected my credit score and financial opportunities. I am requesting that the lender properly review the account and correct or remove the inaccurate late payment information as required under 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 2025-11-19 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: NY

Complaint narrative:
I am submitting this complaint because my auto loan is being reported with a late payment that is inaccurate. The payment in question was reported as late around the month it occurred, but it was paid and should not have been marked as delinquent. 

I disputed this information with all three credit bureaus and contacted the lender directly. I also submitted documentation proving the payment was made. However, despite my dispute, the lender continues to report the late payment and claims the information is accurate without providing a proper investigation or proof. 

This inaccurate late payment has negatively affected my credit score and financial opportunities. I am requesting that the lender properly review the account and correct or remove the inaccurate late payment information as required under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
the company name is TD Finance/ XXXX XXXX XXXX This has happened before. I am getting charged a late fee. I call the company and they tell me that my bank stopped payment. Their website states my payment was returned. no reason given. When i call my bank, I am told they did not stop any payment. TD Finance returned the payment to the bank. I call the finance company bank and they deny this happening. Since this is a reoccurring thing, i believe they are scamming to get extra fees from clients. The website also has changed my settings. I took off the auto pay and started making payments myself, this last payment i had to make a double payment d/t them returning payment, the website then showed an auto pay set up again with the double payment. I am now having another late fee from them returning my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Truist Bank withdrew funds from my checking account related to a vehicle loan after I had already Voluntarily surrendered the vehicle and while I am in XXXX XXXX status. My XXXX attorney is actively preparing my filing, but I do not yet have a case number because documents are still being finalized. 

Despite this, Truist withdrew approximately {$2500.00} from my account without notice. This immediately created a severe financial hardship. I am a parent with XXXX  children, and this withdrawal removed money needed for food, essential expenses, and daily living needs. 

I contacted Truist multiple times and clearly explained : The vehicle had been voluntarily surrendered My XXXX attorney is preparing my filing I am in XXXX XXXX status This situation qualifies as a XXXX-XXXX  hardship The withdrawal caused immediate hardship involving children I requested a hardship provisional credit, exception review, or management override, but the representatives refused to escalate the issue. I was told the debit was authorized even after explaining the hardship and legal context. Truist has not provided any help, escalation, or guidance. 

* * I am requesting CFPB assistance to : 1. Require Truist to review this situation as a hardship withdrawal made during imminent bankruptcy preparation, and 2. Return the funds or issue a provisional credit while the matter is properly reviewed by their escalations or executive resolutions team. * *

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 2025-11-19 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: TX

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-11-19 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: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 XXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Someone open a account in my name XXXX XXXX tried to report it multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no knowledge of obtaining any of the accounts listed here.The bureau did not fix the fraudulent Items. Delete all fraudulent items affecting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no knowledge of obtaining any of the accounts listed here.The bureau did not fix the fraudulent Items. Delete all fraudulent items affecting my report.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting by Goldman Sachs Bank USA for my Apple Card account. Goldman Sachs has repeatedly reported incorrect balance information to the credit bureaus, causing serious confusion and damage to my credit profile. 

Recently, Goldman Sachs increased the reported balance to approximately {$2200.00} without any explanation or documentation. After this increase, the reported balance was later changed to approximately {$1700.00}, again without providing any accounting, verification, or reason for the adjustment. These unexplained fluctuations violate the FCRA requirements for accurate and consistent reporting. 

I requested verification and a correct accounting of the debt through the credit bureau dispute process. Goldman Sachs did not provide proper documentation, did not verify the amount, and did not correct the negative historical information. As a result, the information remains inconsistent between the bureaus, and the reported charge-off details are not accurate. 

Goldman Sachs has not fulfilled its legal obligation to provide accurate, complete, and consistent information after a consumer dispute. The reporting continues to contain errors that harm my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These errors involve charged off accounts and inquiries that I believe have been inaccurately reported. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$2100.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$700.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$29000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have Synchrony credit card and all sudden they said I did paper statements. I never changed it and they started charging me. Also, another card with them they never closed it as I requested.

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 2025-11-19 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief