vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
Dear JCS : I am disputing a collection account being reported by Jefferson Capital Systems ( Account XXXX XXXX XXXX XXXX XXXX XXXX reported balance {$5300.00} ) related to an alleged XXXX Rewards Card account. I was never provided any legally required notice, validation, or documentation from Jefferson Capital or the original creditor.

I have no verified relationship with Jefferson Capital and have never received sufficient evidence proving the debt is accurate, valid, or legally owed. Despite disputes, Jefferson Capital continues to furnish information to the credit bureaus without providing : The original credit agreement or contract A full itemized accounting of the {$5300.00} balance Chain-of-title documentation proving legal ownership Forward flow or purchase agreements Payment history records The FDCPA 1692g validation notice Notice of default or intent to collect Proof that the alleged debt is within the statute of limitations Documentation of prior dispute investigations required under FCRA 1681i Jefferson Capital has only issued generic form responses that do not meet validation requirements under the FDCPA nor reinvestigation standards under the FCRA. 

Continuing to report or attempt to collect on an unvalidated debt violates : FDCPA 1692g ( b ) ( failure to cease collection until validation ) FCRA 1681e ( b ) ( accuracy obligations ) FCRA 1681s-2 ( b ) ( duties of furnishers after a dispute ) Because Jefferson Capital can not validate the debt and the original creditor has not provided any supporting documentation, this account remains unverified and legally unenforceable, yet is still being furnished to the credit bureaus as a collection account.

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: PA

Complaint narrative:
I noticed that these inaccurate accounts are still appearing on my credit report, and they still have not been removed at all. This situation is making me extremely anxious, and I am begging that the documents I attached be reviewed carefully so I can finally stop stressing about this.

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 — Public record information inaccurate
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Statement of Dispute and Identity Theft while in federal prison To Whom It May Concern : I am writing to formally dispute the loans and credit inquiries that were taken out in my name during a period when I was incarcerated in federal prison and actively participating in an intensive rehabilitation program. During this time, I had no ability to apply for credit, authorize financial activity, or communicate with outside institutions in any manner that would allow me to initiate these accounts. 

These loans and credit checks were made without my knowledge or consent and constitute identity theft. I have provided documentation proving my incarceration during the period in which these accounts were opened. 

Despite my attempts to resolve this matter, the above-referenced company has refused to work with me, acknowledge my circumstances, or assist in correcting the fraudulent information on my credit report. Their refusal is preventing me from clearing my credit and moving forward with my life. 

I respectfully request that the fraudulent accounts and inquiries be removed from my credit file and that proper action be taken to investigate this identity theft. 

Thank you for your attention to this matter.

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: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Called and paid my bill Ive the phone on time via the automated system. Payment was posted the following day and I was charged a late fee. Bill was paid on time and computer generated late fee should not have been produced. Capital one refused to assist me.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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: FL

Complaint narrative:
I am filing a complaint because multiple hard inquiries were placed on my credit report on XX/XX/year> by several lenders ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

I did not authorize these companies to access my consumer report. I did not sign any individual credit application permitting each of these lenders to pull my credit. These inquiries appear to be the result of a dealership shotgun submission, which violates FCRA 604 ( a ) ( 2 ) regarding permissible purpose. 

Under the Fair Credit Reporting Act, a lender must have my direct written authorization to obtain my consumer report. These entities have failed to provide any signed authorization, and yet continue to publish hard inquiries that negatively affect my credit.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I bought a used vehicle made payments the loan company did not apply the payments against my balance accurately. They repossessed vehicle and continues to report the monthly bill, but account is charged off. 
I've disputed with XXXX, Transunion and nothing has changed.

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 2025-11-19 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: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was selling an item on XXXX  and someone responded and asked if I took XXXX and said yes, they then said they transferred the money into XXXX and it wouldnt go through so someone from XXXX would be calling me. When the person called from XXXX they told me Id have to transfer money to the person on XXXX  in order to receive the money they sent to me through XXXX I wasnt thinking at that point in time because I had just lost my father so my head was in a fog. They said Id have to transfer XXXX and wanted to get on a face time call so me being very naive about everything let them but things got out of my control and they got into my accounts through my debit card, and there voice was very manipulative I tried to stop but every time I tried they would say something to me that sounded so convincing. They ended up getting {$990.00} out of my account even though the bank told me any Saturday transaction dont even go through until late Monday and I had called the fraud department early Monday morning and reported everything This all took place XX/XX/year> and the transaction that went through was through cash app they pulled it from my debit card and put it into a persons account with a fake name I believe and transferred the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Wednesday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Phone : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the following account currently appearing on my credit report : Credence Resource Management XXXX XXXX XXXX XXXX Reported Open Date : XX/XX/XXXX Balance : {$960.00} Status Updated : XX/XX/XXXX This account is inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards, I am requesting an immediate reinvestigation and correction or deletion of this account. 

The specific reasons for my dispute are : The Date Opened reported as XX/XX/XXXX is incorrect and constitutes illegal re-aging. 
No original signed contract has been provided to validate ownership. 
Credence Resource Management has not validated this account upon request. 
The furnisher has not demonstrated legal right to collect or report this debt. 
The reporting is incomplete, misleading, and therefore unverifiable.

Under my rights pursuant to FCRA 602, 607 ( b ), 609 ( a ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and FDCPA 809 ( b ), I am requesting the following actions : 1. Immediate deletion or full Metro 2 compliance correction of this account.

2. A complete description of the method of verification performed under FCRA 611 ( a ) ( 2 ).

3. A newly updated and accurate consumer report reflecting the correction or deletion.

4. Written confirmation mailed directly to my address listed above.

Enclosed are copies of my government-issued identification and proof of address for verification purposes only. 

If this unverifiable information continues to be reported, it will be considered willful non-compliance, and I will pursue all available legal remedies.

I expect the completion of this reinvestigation within the 30-day statutory timeline with written confirmation sent to my address. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying yo
u of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: RI

Complaint narrative:
Possible Finance is reporting inaccurate information on my credit report. The account balance, payment history, and status appear incorrect. I requested documentation to verify the debt and explain the charges, but Possible Finance has not provided any validation.

Under the FCRA, furnishers must provide accurate and verifiable information. I am requesting either full validation or correction/removal of the inaccurate reporting.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
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: Chime Financial Inc
State: NJ

Complaint narrative:
I was selling sneakers on XXXX when I received a notification that I must verify my information in order to continue with the sale. A XXXX message window popped up and I entered my name address and card information, my chime card ending in XXXX. The window closed and sale went through. Then I got an alert from chime. A transaction for XXXX of cryptocurrency was made. I closed my card immediately, informed XXXX, filed a dispute with chime. Chime denied my claim even though I proved through XXXX that there was an admin window opened and an admin message deleted and that XXXX is aware of these verification scams. Chime refused to contact XXXX or XXXX and wont let me file an appeal and told me the reason for the denial will be in the mail. 

I can prove with information provided by XXXX that I was a victim of a verification scam and chime is doing nothing. 

I am a single XXXX mother of XXXX kids. XXXX is too much to loose. 

Can you please help? I intend to get my money back, change my direct deposit and bank with a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Issue : Incorrect Information on Credit Report / Debt Collector Reporting Inaccurately / Potential Illegal Re-Aging Company Named : XXXX XXXX XXXX Credit Bureau Involved : XXXX  Debt Type : Collection Account Reporting Incorrectly Amount Reported : {$430.00} I am filing a formal complaint regarding XXXX XXXX XXXX and XXXX  for reporting inaccurate, incomplete, and possibly illegally re-aged information on my credit report. 
XXXX XXXX XXXX is reporting a collection account under my XXXX  file with the following issues : Conflicting Dates Date opened : XX/XX/XXXX Status updated : XX/XX/XXXX ( same month as opened, no validated activity ) Balance updated : XX/XX/XXXX despite no proof of activity Past due as of XX/XX/XXXX with no original creditor information These inconsistencies fail the FCRA requirement for maximum possible accuracy ( FCRA 607 ( b ) ). 
No Original Creditor Listed There is no original creditor, no original balance, and no documentation attached to the account. This makes the information unverifiable and incomplete. 
Possible Illegal Re-Aging XXXX  appears to be updating the account to make it appear newer than it is, which violates : FCRA 605 ( c ) FCRA 623 ( a ) ( 5 ) Failure of XXXX to Provide Verification XXXX XXXX XXXX has not provided : The original creditor Proof of ownership The original agreement Date of first delinquency Any supporting documents Under FCRA 611 ( a ) and 623, unverifiable information must be deleted. 
XXXX  Failed to Conduct a Reasonable Investigation XXXX  continues reporting the account despite multiple factual errors, conflicting dates, and missing data. This violates : FCRA 611 ( a ) ( 1 ) ( reasonable investigation requirement ) FCRA 607 ( b ) ( maximum possible accuracy ) I am requesting that the CFPB require XXXX XXXX XXXX and XXXX  to : Provide full verification with actual original documentation OR Permanently delete the account from my XXXX  credit file Because the information is inaccurate, incomplete, inconsistent, and can not be verified, it should not remain on my consumer report. 

I want this XXXX XXXX XXXX collection account removed from my XXXX  credit report because XXXX did not provide full verification, including : Original creditor Original contract or agreement Chain of title True date of first delinquency Complete itemized balance documentation Full proof that XXXX owns and is legally allowed to collect this debt If they can not verify every detail, I request the CFPB to enforce immediate deletion for FCRA non-compliance. 
This account shows : Conflicting dates Illegal re-aging indicators No original creditor No original balance No documentation Reporting updates designed to make the account appear new This violates multiple sections of the Fair Credit Reporting Act. 
I am requesting CFPB oversight to ensure compliance and proper correction.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account # : XXXX ( XXXX XXXX  ) This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met.

1. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency may not report information or create an account on my credit file without my written authorization, which does not exist in this case.

3. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete. 
The referenced account does not meet this standard.

4. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation.

If the information can not be verified, it must be deleted immediately, which applies here.

5. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report.

If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable.

6. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met.

7. 15 U.S.C. 1681b : Permissible Purposes My credit information may only be used or reported for a legally valid permissible purpose. 
This account was reported without a permissible purpose and without my authorization. 

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account # XXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt attention.

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