vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
I noticed a collections on my credit report for the amount of {$100.00} reported on XX/XX/XXXX through Jefferson Capital Systems. I called them to find out it was a XXXX charge. I havent been with XXXX in at least 6 years. I called XXXX, who now owns XXXX, to find out they had no record of my charge. 
I then diputed the collection. 
Jefferson Capital Systems did not remove this from my credit. 
I called XXXX again today, XX/XX/XXXX, to further inquire this charge. The lady then told me that I had to give my debit card info so she could charge me {$1.00} to provide the information of the debt. I refused to give her my card info, instead offering to send a money order. I also asked about other payment options. I also asked if I could receive a written transcript via email of our converstation, the debt itself, and the fact that she demanded to have my debit card information to process my inquiry. She refused my request and hung up on me shortly after me asking for her name. 
This company also has many other complaints of a similar situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AL

Complaint narrative:
The following accounts are disputed with TransUnion. Discrepancies have been found in how these accounts are being reported, including balance amounts and account statuses. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-14 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-11-14 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: FL

Complaint narrative:
I am disputing the following inquiry with TransUnion. Please review and correct if necessary : 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Alorica Inc.
State: CA

Complaint narrative:
Summary : I am unable to make payment on my account ending in XXXX because SST closed the account and can not tell me who currently owns or services the debt. Despite this, the account continues to be reported as delinquent on my credit report. 

Details : I have attempted for over a year to repay this loan. SST told me months ago that the account was closed and that it would be transferred to collections. However, 409 days have passed and no collection agency has contacted me.

When I called SST again, they told me : They can not reopen the account They can not accept payment They do not know who owns the debt They do not know which collection agency, if any, has the account Because of this, I have no way to bring the account current.

Despite being unable to accept payment or confirm ownership, SST continues to furnish delinquent information to the credit bureaus.

This appears to violate the Fair Credit Reporting Act ( furnishing information that can not be verified ) and the Fair Debt Collection Practices Act ( failing to identify the creditor and preventing me from exercising my rights ).

Requested Resolution : Identification of the current creditor or collection agency Verification of the current balance Correction or removal of any inaccurate or unverified credit reporting Written confirmation of ownership and instructions for making payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit report. These accounts are being reported as charged-off, and I request that they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified, I request that it be removed from my credit report.

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00}

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NC

Complaint narrative:
My business uses a XXXX XXXX XXXX as an upgrade service ( add onto a massage for {$10.00} extra ) and clients who want to buy it for at home use, are referred directly to the company we purchase from. 

On XX/XX/XXXX, Square flagged my account, halted all deposits, and asked for documentation ( they wanted XXXX, asked if we sell it, etc ). I submitted everything same day. They confirmed we were fine to continue since the product meets requirements ( less than 0.3 % XXXX  the same standard set by the massage board ), resumed deposits. 

Then, on XX/XX/XXXX, they reopened the case, requesting an updated Certificate of Analysis ( COA ), and threatened to freeze funds and close my account again if not received in 5 days. I got the new COA on XX/XX/XXXX and uploaded it immediately. By XX/XX/XXXX, I got another message saying they hadnt received it and would be halting funds again. I called they found the file ( in literally the only place I can upload it ), said everything was in order, and assured me the account wouldnt be frozen. On XX/XX/XXXX funds were frozen .. again. Ive now called multiple times ( at least once every day ), and each rep says they cant find the document ( the same one Ive uploaded three times in the same place every time! ). I even had to email it directly on XX/XX/XXXX and XX/XX/XXXX, and they promised itd be resolved that night. Now when I call daily, they ask me to answer questions in the Square dashboard, that I have answered 3+ times now ( but they claim it hasn't been answered ). They say it will be resolved in 1-2 business days, but I've been told that twice now, and nothing happens. I've removed XXXX from my website as of 2 days ago, and told them that, as well. They always confirm they have everything needed, can see all my answers from previous chat logs, yet I am getting no where. My business hasnt been paid out by Square since XXXX. I've reported them to XXXX  and the Attorney General, and I've told them this, and nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 disputing the following accounts listed on my Equifax credit report as part of an effort to improve my creditworthiness. The accounts in question are inaccurate and need to be updated or removed based on the following details : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} U S DEPT OF EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} Late Payments : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-11-14 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 am filing this complaint because the three major credit bureausXXXX, Experian, and XXXX reporting inaccurate, unauthorized, and unverifiable information on my consumer reports. These errors are negatively affecting my creditworthiness and violate the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these issues directly with the bureaus but the information remains inaccurate. I am requesting the CFPBs assistance to ensure these items are properly investigated, validated, and corrected.

1. Charged-Off Accounts Experian is reporting charged-off accounts that are inaccurate or can not be verified.

I request documentation proving ownership and accuracy.

2. Unauthorized / Hard Inquiries These inquiries were not authorized and were made without permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not initiate or grant permission for these hard pulls.

Unless Experian can provide signed authorizations or proof of a permissible purpose, these must be removed.

3. Late Payment Reporting Errors Experian is reporting inaccurate late payments on the following accounts : XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX These late payments conflict with my personal records or do not match the reports of other bureaus. Verification is 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 explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
The amounts listed on my documents were clearly rejected by Chase for inconsistent reasons. They credited back some of the faulty transactions but not all.

They used bad reasons for taking my money as these were all from their third party faulty ATM in the lobby after hours for which I called multiple times to complain at their XXXX number and you will see I went to the other outside ATM to withdraw a lesser amount,.

If they do not want to reimburse me all of my money, I will publicize this all over the newspapers in XXXX for which they are opening two or three new branches and also will go to my Senators and Washington D.C. and hire an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit file.

1. Incorrect / Outdated Previous Address TransUnion is showing a previous address that is incorrect. I request full verification and removal if it can not be confirmed as mine.

2. Charged-Off and Collection Accounts with Errors The following accounts contain incorrect dates, unverifiable information, and reporting inconsistencies : XXXX XXXX , Acct XXXX, Reported XX/XX/XXXX, {$1700.00} XXXX XXXX XXXX, Acct XXXX, Reported XX/XX/XXXX, {$550.00} XXXX, Acct XXXX, Reported XX/XX/XXXX, {$3800.00} These accounts have not been validated by the furnishers and contain reporting errors. I request complete documentation or deletion per FCRA guidelines.

3. Unauthorized / Questionable Hard Inquiries The following inquiries appear inaccurate, unrecognized, or unverified : XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) TransUnion must provide proof of permissible purpose. Any inquiry that can not be verified should be removed.

I request a full FCRA-compliant reinvestigation and deletion of any unverifiable or inaccurate information from my file.

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 2025-11-14 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: GA

Complaint narrative:
This complaint is no error my credit report contains inaccuracies that fail to meet the maximum accuracy standard. These errors are severely burdening me, negatively impacting my life in unimaginable ways during these tough times. Correcting or removing them is essential and urgently needed.

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 2025-11-14 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: Village Capital & Investment LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX OPENED XX/XX/year> BALANCE {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/year> BALANCE {$760.00} THESE ACCOUNTS LISTED ON MY CREDIT REPORT DO NOT BELONG TO ME. EITHER THEY WERE MIXED WITH SOMEONE ELSE 'S SIMILAR SOCIAL SECUIRITY NUMBER OR THEY ARE A RESULT OF FRAUD. PLEASE REMOVE THEM. THERE XXXX ALSO MULTIPLE UNKNOWN HARD INQUIRIES ON MY TRANSUNION REPORT. I CREATED AND FTC TO HAVE THESE ITEMS REMOVED.

Company response to consumer: Closed with explanation