vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS Potentially Negative Account Info Account Name JEFFERSON CAPITAL SYSTEMS Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2100.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$2100.00} Highest Balance - Terms 1 Month On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion Rental Screening, TransUnion SmartMove, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. I requested validation of personal Information, address. Accurate Dates of accounts. I have not received any attempt from companies named in this complaint to validate any information.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For the past XXXX years, my husband and I have encountered significant challenges concerning our credit reports. All three major credit bureaus have suffered from data breaches. XXXXXXXX XXXX XXXXXXXX and her associates are responsible for the identity theft that has impacted my husband and me. Furthermore, I received a fraudulent alert from TransUnion, which indicated that she is unlawfully accessing my credit report and obstructing our efforts to obtain it. I also received a notification from XXXX, which was sent at XXXX PM, with a similar email arriving on Wednesday at XXXXXXXX XXXX. Additionally, she has manipulated various accounts, including those with XXXX XXXX, our mortgage accounts, XXXX XXXX, several credit cards, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, among others. Moreover, she is impeding my attempts to contact the FBI, the XXXX XXXX XXXX, and other governmental agencies to report this crime. I currently possess fraudulent mail that contains stains and improperly used fonts, which have been sent by the perpetrator. While I have evidence of these activities, I am unable to send them at this time. I am on vacation until XX/XX/year>, and can be reached at XXXX. As a government employee, I have documented proof of the ongoing daily attacks by these individuals.

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 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
chase bank failed to apply a return credit to my account leaving it delinquent. 


the account is under business name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-28 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-28 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: ND

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-12-28 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: ND

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-12-28 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 discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: OH

Complaint narrative:
I made a payment to XXXX for XXXX XXXX for the amount of {$66.00} and when I went to pick up the XXXX XXXX the XXXX XXXX I was told they were out of stock so I was told that I would automatically receive a refund from XXXX. I called Klarna my credit card company and told them what went on and Klarna put my account on hold for 3 weeks because I disputed the amount so I would not have to make payments. Klarna app it stated that XXXX did in fact send Klarna back {$49.00} but Klarna said today XX/XX/2025 that they did not receive any money from XXXX but I have evidence that they did process a refund for the {$49.00} from XXXX. 

Plus I did make a payment {$14.00} on this account so I should not owe anything. They are trying to make me pay over what I should pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
clearly disclose any change in delinquency basis or enforcement posture and continued to service the loan as an active installment account by issuing monthly statements, assessing interest and late fees, and accepting payments. 

On XX/XX/year>, my balance was {$670.00} and Navy Federal accepted a {$300.00} payment. On XX/XX/year>, Navy Federal accepted my final payoff payment of approximately {$370.00}. 

On XX/XX/year>, when I contacted the repossession department to request a new release letter, I was informed that the vehicle had allegedly been sold. I do not have independent confirmation of whether or when a sale occurred. However, on that same date, I was advised that the vehicle was still physically located at the auction. 

Navy Federal later issued a Sale of Property and Calculation of Surplus letter dated XX/XX/year> stating the vehicle was sold on or about XX/XX/year>. Because the vehicle remained at the auction after the claimed sale date and Navy Federal accepted payments after that date, the accuracy of the claimed sale can not be determined without objective auction records. 

Navy Federals acceptance of payments after the claimed sale date, inconsistent delinquency calculations, failure to return the vehicle after redemption and payoff, notices sent to an outdated address, and representation of a sale without producing auction disposition records constitute inaccurate recordkeeping and improper loan servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: PA

Complaint narrative:
RE complaints cfpb XXXX XXXX XXXX XXXX XXXX XXXX Print complaint Closed Company identify the account as fraud yet they still continue to report the infromation on my credit report instead of removing it/deletion it.

Can you please tell me how is this not a violation of FCRA laws?

If they determined that its fraud it should be removed from my credit file per the closed CFPB report numbers listed above

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 2025-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Dave Operating, LLC
State: TN

Complaint narrative:
Sent Advanced Profile image Home Re : close out Dave membership don't have phone any more and no longer want Dave2 XXXX XXXX/Sent XXXX XXXX XXXX XXXX XXXX To : Dave Tue XXXX XX/XX/XXXX at XXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Last 4 of digits of physical Dave debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Here is the required information to close it out XXXX XXXX XXXX From : XXXX To : Dave Sun, XX/XX/XXXX at XXXX XXXX  Also months later and you have sent me another statement, so you have not close this account out. So, Ill be moving to the next step deauthorizing and revoking your ACH privileges. Then reporting you to the Consumer Financial Protection Bureau and the Federal Trade Commission. 


Sent from XXXX XXXX  for XXXX, or Sent Advanced Profile image Home [ Request received ] Also months later and you have sent me another statement, so you have not close this account out. So, Ill be moving to the next step deauthorizing ... XXXX XXXX XXXX Dave Support Hi friend , We have received your request ( XXXX ) which is currently being reviewed by our Member Success team. You'll get an email reply once we have a final resolution or if we need more information for you. If you need to add additional comments to your request, just reply to this email. In the meantime, check out our Help Center in the Dave app 's settings screen or visit support.dave.com Thanks for reaching out to Dave! The Dave Team # #- Please type your reply above this line - # # Designed by Dave, not a bank. XXXX XXXX XXXX XXXX, Member FDIC, provides all banking services and issues the Dave Debit Card, pursuant to a license from XXXX a complete list of terms and fees for the ExtraCash account see the Dave ExtraCash Deposit Agreement and Disclosures, and for the Dave Spending account see the Dave Spending Deposit Agreement and Disclosures, and for the Dave Goals account see the Dave Goals Deposit Account Agreement and Disclosures.All trademarks and brand names belong to their respective owners and do not represent endorsements of any kind.Sent from XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX This email is a no-reply.Dave Support Need help? Access FAQs or contact our Member Success team from our Help Center.This email was sent based upon your agreement with XXXX 's Terms and Conditions. XXXX XXXX XXXX XXXX. All Rights Reserved. [ XXXX ] Sun, XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX To : Dave Support Mon XXXX XX/XX/XXXX at XXXX XXXX  i see yall refuse to delete the account. so as of today XX/XX/XXXX i XXXX XXXX revoke Dave.com 's ACH privileges. 

There real game is to lure senior citizens ( im XXXX about to XXXX with a fixed income ) they ( DAVES ) charge my card XXXX XXXX monthly for just singing up.while providing no service. 

XXXX, or

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/year>, Portfolio Recovery Associates received my written request for Method of Verification pursuant to FCRA 611 ( a ) ( 7 ) along with a written demand that all collection communications cease. Despite receipt of this notice, Portfolio Recovery Associates has continued to contact me via repeated phone calls, text messages, and emails. 

These continued communications are in direct violation of FDCPA 805 ( c ), which requires a debt collector to cease communication upon written request, as well as FDCPA 806 regarding harassment. Portfolio Recovery has not provided proper verification of the alleged debt and continues to attempt collection activity while the account is disputed. 

I am requesting immediate cessation of all communications, written confirmation of compliance, and deletion of any credit reporting associated with this account. I am documenting each violation and reserve my right to pursue legal action for statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I have repeatedly disputed inaccurate and unverifiable information appearing on my credit report with the consumer reporting agency. These disputes were submitted in good faith and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have sent multiple written disputes identifying specific inaccuracies, including unauthorized credit inquiries, inaccurately reported late payments, charge-offs, and incorrect personal identifying information. Despite these disputes, the credit reporting agency has either failed to respond, failed to provide the required verification, or continued reporting the disputed information without correction.

In several instances, more than 3090 days have passed since my disputes were submitted, yet the disputed items remain on my credit report. I have not received copies of the documentation used to verify the disputed information, nor have I been provided a description of the procedures used to conduct a reasonable reinvestigation, as required under 15 U.S.C. 1681i.

The continued reporting of these items appears to rely on automated or summary responses rather than original source documentation from the furnishers. This raises concerns that the credit reporting agency is not maintaining maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Additionally, certain credit inquiries remain on my report without proof of permissible purpose or consumer authorization, in violation of 15 U.S.C. 1681b. Incorrect personal information also remains on my file, increasing the risk of misattribution and further reporting errors.

I have made multiple attempts to resolve these issues directly with the credit reporting agency, but the lack of meaningful response or correction has left me no choice but to escalate this matter to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I have repeatedly disputed inaccurate and unverifiable information appearing on my credit report with the consumer reporting agency. These disputes were submitted in good faith and in compliance with the Fair Credit Reporting Act ( FCRA ). 

Over the past several months, I have sent multiple written disputes identifying specific inaccuracies, including unauthorized credit inquiries, inaccurately reported late payments, charge-offs, and incorrect personal identifying information. Despite these disputes, the credit reporting agency has either failed to respond, failed to provide the required verification, or continued reporting the disputed information without correction.

In several instances, more than 3090 days have passed since my disputes were submitted, yet the disputed items remain on my credit report. I have not received copies of the documentation used to verify the disputed information, nor have I been provided a description of the procedures used to conduct a reasonable reinvestigation, as required under 15 U.S.C. 1681i.

The continued reporting of these items appears to rely on automated or summary responses rather than original source documentation from the furnishers. This raises concerns that the credit reporting agency is not maintaining maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Additionally, certain credit inquiries remain on my report without proof of permissible purpose or consumer authorization, in violation of 15 U.S.C. 1681b. Incorrect personal information also remains on my file, increasing the risk of misattribution and further reporting errors.

I have made multiple attempts to resolve these issues directly with the credit reporting agency, but the lack of meaningful response or correction has left me no choice but to escalate this matter to the CFPB.

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 2025-12-28 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase requires XXXX for account verification. XXXX  is nonfunctional : no SMS or email verification codes are sent, and XXXX support can not be reached due to authentication failure. Chase phone support disconnected my call without resolution. Secure Messages do not allow free-text escalation. Chase refuses to offer an alternate verification method, blocking required access to my account. Please escalate this to Chase Executive Resolution.

Company response to consumer: Closed with explanation