vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I attempted to dispute an account being reported by Jefferson Capital Systems LLC that I believe is inaccurate and unverifiable. On XX/XX/year>, I mailed a formal dispute letter to their address : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX The letter was returned to me as undeliverable, preventing me from exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request validation and correction of information reported about me. 

Under 15 U.S.C. 1681i ( FCRA Section 611 ), a consumer has the right to dispute inaccurate information and have it fully investigated. Additionally, 15 U.S.C. 1681g ( FCRA Section 609 ) gives me the right to obtain all information in my credit file, and 15 U.S.C. 1681s-2 outlines the furnishers duty to provide accurate information to the credit bureaus.

Jefferson Capital Systems failure to provide a valid mailing address or process my dispute is a violation of these protections and is delaying the removal of potentially inaccurate and harmful information from my credit report. 

This delay has obstructed my ability to correct my credit file. I have attached : A copy of the original dispute letter I mailed A copy of my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
This account contains inaccurate information. I do not recognize this account, and it should be removed. I previously disputed it, but the reporting company failed to provide proper verification or documentation. This violates my rights under the FCRA ( Fair Credit Reporting Act ). I am requesting the removal of this inaccurate item from my report. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX ( doing business as My Banking Direct XXXX XXXX XXXX XXXX XXXX XXXX ) Complaint Description I am filing a complaint against XXXX XXXX XXXX XXXX XXXX, whose card is issued by My Banking Direct, a service of XXXX XXXX XXXX XXXX . I reported a fraud claim on XX/XX/year>, for over {$3000.00} in unauthorized withdrawals made in XXXX, CA, while I was in XXXX XXXX, CA between July 712, 2025. I have proof I was NOT in the city where the transactions took place. 

My claim was wrongfully denied by the Dispute Operations Department on XX/XX/year>, with no justification or evidence provided. They failed to issue a provisional credit and did not fulfill their duties under Regulation E ( 12 CFR 1005.6 ). This violates the Electronic Fund Transfer Act. 

My dispute reference number is XXXX. I am seeking a full refund and an explanation of how their decision was reached.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Credit Corp Solutions, account number unknown. Listed twice, two different amounts. I'm unaware of this debt and did not have the opportunity to dispute this account.If you believe that you have sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my reports or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX  XXXX XXXX Balance {$7100.00} XXXX XXXX  XXXX Balance {$10000.00} XXXX  XXXX Balance {$18000.00} XXXXXXXX XXXX XXXXXXXX Balance {$21000.00}

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 2025-08-02 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: MD

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX  XXXX XXXX Balance {$7100.00} XXXX XXXX  XXXX Balance {$10000.00} XXXX  XXXX Balance {$18000.00} XXXXXXXX XXXX XXXXXXXX Balance {$21000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
What happened : Wells Fargo Bank is reporting a charged-off account on my credit report while simultaneously attempting to collect on the same debt. This is misleading and potentially unlawful under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to the information on my credit report, the account was charged off ; however, I have not received any documentation from Wells Fargo indicating that the debt was officially charged off or that it was reported to the IRS as a loss. If the debt has truly been charged off and reported as such for tax purposes, then it should no longer be subject to collection activities. Furthermore, Wells Fargo continues to update the account status and balance, which may be in violation of FCRA guidelines regarding accurate and complete reporting.

Under 15 U.S. Code 1681s-2 of the FCRA, furnishers of information ( like Wells Fargo ) are required to report accurate data and must not report misleading or outdated information. Continuing to update or attempt to collect on a charged-off account without providing clear documentation of the charge-off violates these principles.

I have requested validation and supporting documentation of the charge-off status, including IRS reporting forms ( such as a 1099-C, if applicable ), but have not received a response. Therefore, I request the CFPB to investigate whether Wells Fargo has violated the law by continuing to report and collect on an account they claim is charged off.

Desired Resolution : Remove the charged-off account from my credit report if Wells Fargo can not provide documentation of the charge-off and/or IRS reporting.

Cease all collection activity if the debt was truly charged off and no longer legally collectible.

Provide me with all documentation proving the nature of the charge-off and IRS reporting ( if any ).

I consent to publishing this description on consumerfinance.gov so others can learn from my experience, with the understanding that my personal information will be removed.

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 2025-08-02 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:
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 identity 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 you 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 non-monetary relief
Consumer complaint received 2025-08-02 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: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I am filing a complaint concerning inaccurate and potentially unverifiable reporting of a late payment by [ Insert Company Name e.g., XXXX XXXX or the company reporting Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] for Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is currently being reported to the nationwide credit bureaus with a status of late payment. I formally disputed this information with the data furnisher and requested a reasonable investigation under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 8 ).

In my dispute, I specifically requested that the furnisher : Verify all reported late payments with proper documentation Confirm the accuracy of delinquency dates and payment history Ensure full compliance with XXXX XXXX credit reporting guidelines Provide written documentation used to substantiate the reporting Despite my request, I have not received sufficient documentation or validation to support the continued reporting of this account as delinquent. 

I have included my government-issued DL and proof of address to verify my identity, in accordance with standard dispute procedures.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I asked XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I asked XXXX for investigation into this account and the accuracy of it as to why it's being report onto my credit as I've never signed any contract or have never done business with them. along with contacting Experian, TransUnion, and Equifax several times as to why they are reporting inaccurate information and accounts that are not mine. then I sent a Notice of Intent to File Civil Action Under the FCRA giving them 15 days to removing these accounts and they have not responded or removed the accounts I'm demanding be removed.

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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I used coinbase wallet on their wallet app on my XXXX. They provide different individual XXXX  addresses for all transactions involving receiving a payment. There were XXXX payments that were never received. I initiated investigation on XXXX an hour after expecting the funds since I usually receive payments within minutes. After XXXX month of them reassuring me that my funds are safe and I will receive them, they send me a final email stating that the funds ( XXXX $ ) in bitcoin was actually received when it really wasnt. They also stated that I sent the funds back out of the wallet the next day which I didnt. Ive provided all screenshots to prove this but no response. Now they say case is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-02 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: WV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation