vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MA

Complaint narrative:
I am disputing inaccurate reporting by Jefferson Capital Systems , LLC. They are listing a collection account stating it was opened in XX/XX/XXXX with a balance of {$1300.00}. 
This account is a duplicate and misleading representation of a XXXX credit account that was closed in XX/XX/XXXX, as confirmed by XXXX own correspondence. I never reopened or authorized any new account, and I did not default on any such obligation in late XXXX. 
Jefferson Capital is reporting this as if it is a newly opened collection account, which is not only inaccurate but violates the Fair Credit Reporting Acts prohibition on re-aging or duplicating closed debts.

I have attempted to dispute this directly with the credit bureaus and Jefferson Capital, but no corrections have been made.

I respectfully request that this account be investigated and removed entirely from my credit file. This reporting is harming my ability to qualify for essential credit and housing. Supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding Security Credit Services , LLC, which is inaccurately reporting a debt on my credit report. 
On XX/XX/2025, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, the legal representatives of Security Credit Services, confirming that a lawsuit filed against me ( Index No. XXXX ) was discontinued without prejudice pursuant to CPLR 3217 ( a ). Despite the case being dropped, the tradeline associated with this account remains on my credit report, negatively impacting my credit profile. 
I have disputed this information with the credit reporting agencies, including but not limited to XXXX and XXXX, and am now requesting CFPB intervention. I am attaching a copy of the letter from their attorney which proves that the legal matter is no longer active. Given that the debt is no longer being pursued, the continued reporting is misleading and may violate the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I submitted a dispute to Experian requesting correction of two erroneous late payments on my XXXX XXXX XXXX XXXX ( Account # XXXX ) reported for XXXX and XX/XX/XXXX. Instead of resolving the issue accurately, Experian deleted over 40 months of previously reported on-time payments dating back to XXXX effectively erasing a strong payment history. This action has significantly harmed my credit profile and is contrary to the Fair Credit Reporting Act, which requires credit reporting agencies to maintain accurate and complete information. 

I am requesting immediate reinvestigation and reinstatement of all previously reported positive payment history. I am attaching both the Experian dispute result and supporting documentation. I have also sent a formal reinvestigation demand to Experian and may pursue legal remedies if this is not resolved promptly.

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 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Im extremely frustrated with TransUnion Equifax Experian and their credit scoring system. Its beyond unfair how aggressively my score is reduceddropping by XXXX to XXXX points in XXXX hit for minor changes or inquiries. Yet, when I take responsible financial steps, like paying off debt or making consistent on-time payments, my score only increases by XXXX or XXXX points at a time. How does that make any logical sense? It feels like the system is rigged to punish more than it rewards, and its incredibly discouraging for anyone working hard to build or rebuild their credit. The lack of transparency and consistency in how scores are calculated and adjusted is unacceptable. TransUnion needs to be held accountable for this imbalance. A credit score should reflect real financial responsibilitynot be driven by algorithms that disproportionately hurt consumers.

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I finance a gmc truck in XX/XX/XXXX! 

I have contacted Experian numerous of times about my autoload not being on my report! 

XX/XX/XXXX I sent a verification letter from XXXX financial showing my autoloan to Experian

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 2025-05-05 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX  Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-05 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: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
XXXX XXXX  Under dispute Date opened XX/XX/XXXX XXXX {$830.00} XXXX Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2700.00} XXXX Account charged off. {$2700.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$1600.00} XXXX Account charged off. {$2200.00} written off. {$67.00} past due as of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX Under dispute Date opened XX/XX/XXXX XXXX {$830.00} XXXX Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
CAPITAL XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2700.00} XXXX Account charged off. {$2700.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
CITI XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX {$1600.00} XXXX Account charged off. {$2200.00} written off. {$67.00} past due as of 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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX continues to report inaccurate information to the credit bureau and they are not reporting every month. On the credit report it also states that the line of credit is suspended which looks as if I dont have money to borrow or I havent paid as agreed. Neither XXXX  of these is the case. My loan balance is more than an a {$1000.00} less than whats being reported. I have spoke to them the last XXXX months and they continue to to tell me they will investigate and make corrections. No correction have been made and Im still way on a call from the supervisor

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 2025-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Finance company charged off account. Dates do not match, such as delinquency date do not match charged off acct date. Also would like a XXXX form and proof if has been properly charged off. Also on my credit report there is balance and it's not reflecting a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX. XXXX - XXXX - {$610.00} - neglected to reinvestigate, causing harm and credit denial. 
XXXX. XXXX XXXX XXXX- no balance, missing personal statement, late payments reporting after closed date. 
XXXX. XXXX XXXX - XXXX no balance, missing personal statement, late payments reporting after closed date. 
XXXX. XXXX XXXX - no balance, missing personal statement, late payments reporting after closed date. 
XXXX. Dept of Ed XXXX - XXXX - no balance, missing personal statement, late payments reporting after closed date. 
XXXX. Dept of Ed XXXX XXXX- no balance, missing personal statement, late payments reporting after closed date. 
XXXX. XXXX - XXXX no balance, missing personal statement, late payments reporting after closed date. 
XXXX. XXXX XXXX XXXX- no balance, missing personal statement, late payments reporting after closed date. 


Sham investigations - delete all Delete all no reinvestigation required

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 2025-05-05 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: MI

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 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 2025-05-05 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: NY

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NE

Complaint narrative:
I have unauthorized accounts on my credit report. I have tried disputing with them through dispute letters, with the bureaus directly and I have now filed a FTC report to take further actions. I have not received any proof or contract with these creditors. I will attach my FTC report with the accounts that are not mine, therefore considered fraud and I demand under the FCRA that these be removed. All of this has taken place with the last XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: MS

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Account Name : XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-05-05 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 was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX - XX/XX/XXXX 4. XXXX XXXX - XX/XX/XXXX 5. XXXXXXXX XXXX XXXX XXXXXX/XX/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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I called and reported a fraud charge on a credit card. They took that card and gave me another one but they only sent the bill with no card. I paid the bill that was about or around {$750.00}. They took my money but holding my card for ID purposes. I have tried to give them everything they wanted but it is never good enough. I am a senior and can not do much on a computer. They knew where to send the bill to collect the money owed but they want to prove that i am the holder of the card. What XXXX would pay the Bill just to get a credit card. I NEED MY CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer XXXX credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer XXXX credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: DE

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
You are required to send proof that the debt exists and that you have the right to collect it. You may not simply claim " you're working on it, as you did in your response to my previous complaint. You have had more than a reasonable amount of time to provide the necessary documentation. Here are the questions contained in my letter requesting debt validation. 

The amount of the debt and an itemized detailed breakdown. 


Proof that you are authorized to collect this debt on behalf of the creditor, including any assignment or agreement granting you the right to collect. 


A copy of the original signed agreement or contract ( if applicable ) establishing the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation