vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. Cloud, MN XXXX Re : Request for Debt Verification / Validation Dear Jefferson Capital Systems, I am writing in response to your recent communication regarding an alleged debt. Please be advised that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation of this debt.

At this time, I do not acknowledge ownership or responsibility for this debt. Pursuant to the FDCPA, I request that you provide the following documentation : 1. The name and address of the original creditor.

2. The original account number.

3. A complete payment history, including the amount of the alleged debt and any interest or fees.

4. A copy of the original contract or agreement bearing my signature.

5. Proof that Jefferson Capital Systems has the legal right to collect on this debt.

Until you provide this information, you are required to cease all collection activity, including reporting or verifying the account with any credit bureaus. If this debt is currently being reported, failure to properly validate it may constitute a violation of the Fair Credit Reporting Act ( FCRA ) in addition to the FDCPA.

Please respond to this request in writing within the timeframe required by law. This is not a refusal to pay, but a formal request for validation under my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/year> Someone opened up a checking account online using my information with Wells Fargo. Wells Fargo didn't validate identification because I have never banked with Wells Fargo nor have I ever applied for any of their services or products in my life. And I did not authorize them or anyone else to use my information to open any account. Whoever opened the account forgot to sign up for paperless statements and I received the statement yesterday in the mail. After they opened it the individual ( XXXX ) starting transferring money and depositing money using something called XXXX. I've never heard of it until yesterday. I have contacted Wells Fargo and they supposedly filed a complaint. But the fraud guy was being really weird to me and then he hung up on me. So I filed a police report and also filed a complain with the federal trade commission. Wells Fargo did nothing to protect me from this fraud. If they had signed up for paperless.... I wouldn't have known until severe damage may have been done.

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 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
Type : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Amount : {$1100.00} Date reported : XX/XX/XXXX What happened : This complaint is regarding a former lease at XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, XXXX  XXXX, managed by XXXX. 

XXXX disputing a collection placed on my credit by XXXX XXXX XXXX XXXX for {$1100.00} tied to XXXX XXXX, a XXXX-managed apartment in XXXX ( Account # XXXX ). 

I vacated the unit on XX/XX/XXXX, as documented in a signed move-out form. I provided my forwarding address and received my full deposit back. Per PA XXXX XXXX ( XXXX P.S. XXXX ), XXXX had XXXX  days to send an itemized list of damages. They never did, and therefore legally forfeited any right to additional payment. 

On XX/XX/XXXX, over XXXX  months after move-out, XXXX sent a fake move-out statement email claiming I owed {$1100.00}. I responded immediately via email ( see attached ), stating this debt was false and Id received my deposit back. They never responded or corrected the record. Instead, they escalated it to collections. 

This debt is legally invalid, improperly documented, and appears retaliatory, as I had also filed a housing complaint due to unsafe conditions while recovering from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One is furnishing inaccurate information to Equifax and TransUnion in violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ). The account in question was the subject of a lawsuit ( Docket No. XXXX ) filed by Capital Ones legal agents, XXXX XXXX XXXX XXXX XXXX XXXX That motion for judgment was denied by the XXXX XXXX XXXX New Jersey in XX/XX/year>. An Ex Parte Order was later filed to delete improperly submitted court documents confirming the procedural failure. 

Despite this, Capital One continues to verify the account as valid and report a balance monthly to XXXX  and XXXX. XXXX has already deleted the account based on the same evidence. I have submitted court documents directly to Capital One and both bureaus, yet the account remains.

This is now a pattern of willful noncompliance. I am seeking full deletion of the account from all credit bureaus, and I reserve the right to pursue arbitration or legal remedies if this isnt resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
Subject : Complaint Against Experian, TransUnion, and Equifax for Failure to Correct Inaccurate and Unverifiable Credit Report Information To Whom It May Concern : I am filing this complaint against Experian, TransUnion, and Equifax for failing to properly investigate and correct numerous inaccuracies in my credit report, as required under the Fair Credit Reporting Act ( FCRA ). 

On reviewing my reports obtained from XXXX, I identified several errors, including inaccurate personal information, unauthorized inquiries, and unverifiable derogatory accounts. I formally disputed these items by mail and included supporting documentation, yet all three credit bureaus have failed to correct or delete the disputed data, nor have they provided any valid documentation or method of verification as required by federal law. 

Despite my good faith efforts, I have received either no response or generic letters with no meaningful investigation or supporting proof. 

Specific Issues : Inaccurate Personal Information : Incorrect current address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX Incorrect employers : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Inaccurate or Unverifiable Accounts : Collection : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-offs XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 Late Payments ( Closed/Paid ) : 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 None of these items were sufficiently verified, yet they continue to be reporteddespite my formal disputes. 

Legal Violations : The bureaus inaction violates the following sections of the Fair Credit Reporting Act : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide a method of verification 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681g Failure to provide full file disclosure upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : XXXX XXXX XXXX FCRA and XXXX XXXX Violations My name is XXXX XXXX XXXX XXXX XXXX, XXXX ending in XXXX, date of birth XX/XX/XXXX, and I reside at XXXX XXXX XXXX, XXXX, CA XXXX. 

I am filing this complaint because I have found inaccurate and non-compliant information on my credit reports from Experian, Equifax, and TransUnion. Specifically, I am disputing XXXX collection accounts that are being reported by the following companies : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. 

Account Opened : XX/XX/XXXX Balance : {$2300.00} Last Update : XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX. 

Account Opened : XX/XX/XXXX Balance : {$3300.00} Last Update : XX/XX/XXXX These accounts have been recently updated with new balance dates and status dates even though there has been no new activity or payments. This is a clear example of re-aging, which is against both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards. Re-aging causes the account to appear newer than it is and unfairly extends the time it stays on my credit report. 

I have disputed these accounts, but the credit bureaus continue to verify them without correcting the inaccurate information. I am concerned they are using the e-OSCAR system, which is an automated method that does not perform a real investigation as required under FCRA 1681i.

Under FCRA 1681s-2, furnishers of information must report data accurately. The current reporting violates that obligation. I am requesting that the CFPB review my complaint and require the credit bureaus and collection agencies to : Remove these accounts from my credit reports or Correct the information to reflect the original delinquency dates and proper status information If this is not resolved, I am prepared to file complaints with the FTC and my State Attorney General, and I reserve the right to pursue legal action if needed. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
Subject : XXXX XXXX XXXX FCRA and XXXX XXXX Violations My name is XXXX XXXX XXXX XXXX XXXX, XXXX ending in XXXX, date of birth XX/XX/XXXX, and I reside at XXXX XXXX XXXX, XXXX, CA XXXX. 

I am filing this complaint because I have found inaccurate and non-compliant information on my credit reports from Experian, Equifax, and TransUnion. Specifically, I am disputing XXXX collection accounts that are being reported by the following companies : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. 

Account Opened : XX/XX/XXXX Balance : {$2300.00} Last Update : XX/XX/XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX. 

Account Opened : XX/XX/XXXX Balance : {$3300.00} Last Update : XX/XX/XXXX These accounts have been recently updated with new balance dates and status dates even though there has been no new activity or payments. This is a clear example of re-aging, which is against both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX data reporting standards. Re-aging causes the account to appear newer than it is and unfairly extends the time it stays on my credit report. 

I have disputed these accounts, but the credit bureaus continue to verify them without correcting the inaccurate information. I am concerned they are using the e-OSCAR system, which is an automated method that does not perform a real investigation as required under FCRA 1681i.

Under FCRA 1681s-2, furnishers of information must report data accurately. The current reporting violates that obligation. I am requesting that the CFPB review my complaint and require the credit bureaus and collection agencies to : Remove these accounts from my credit reports or Correct the information to reflect the original delinquency dates and proper status information If this is not resolved, I am prepared to file complaints with the FTC and my State Attorney General, and I reserve the right to pursue legal action if needed. 

Thank you for your time and assistance. 

Sincerely, 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 2025-07-23 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: IL

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 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: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review

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 2025-07-23 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: NC

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review

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 2025-07-23 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
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 2025-07-23 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: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint on my own behalf, with no third party involved. I have attached supporting documents that provide more detailed information regarding the inaccurate reporting on my credit report. 

Specifically, there are inconsistencies and untimely reporting of information across all three major credit bureaus : TransUnion, XXXX XXXX XXXX. The discrepancies involve conflicting dates and irregular updates that may negatively impact my credit profile. 

I respectfully request that this matter be reviewed and corrected as appropriate. 

Thank you for your attention to this issue.

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 2025-07-23 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: FL

Complaint narrative:
I hereby formally notify you that I have been a victim of identity theft. Unauthorized parties have unlawfully obtained and used my personal information to open accounts and conduct transactions without my knowledge or consent.

I categorically deny any responsibility for the fraudulent accounts and charges associated with my name. Upon discovering this matter, I promptly reported the incident to the Federal Trade Commission ( FTC ) via IdentityTheft.gov.

I respectfully request a thorough investigation into the disputed accounts and charges, and I urge you to remove any fraudulent information from my credit report and related records forthwith.

Should you require any further documentation or clarification to facilitate your investigation, please do not hesitate to contact me at XXXX or 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 2025-07-23 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: Early Warning Services, LLC
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section to 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Early Warning.

Company response to consumer: Closed with explanation