vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: AL

Complaint narrative:
Subject : Complaint Regarding Unverified and Improperly Collected Debt Re : Request for Investigation and Removal Under Federal Law To Whom It May Concern, I am writing to formally file a complaint and request immediate investigation regarding an alleged debt being reported or collected against me, which I assert has not been legally verified in accordance with federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request full validation of any debt allegedly owed. This includes, but is not limited to : Proof of Ownership of the alleged debt by the party attempting to collect or report it. 

A signed flow agreement between the original creditor and the current party claiming the right to collect. 

Chain of Assignment and Transfer, including all legal documents showing how the debt was sold or transferred. 

A Bill of Sale or Purchase Agreement that specifically identifies my alleged debt. 

As required by 15 U.S.C. 1692g ( b ) : " If the consumer notifies the debt collector in writing ... that the debt, or any portion thereof, is disputed... the debt collector shall cease collection ... until the debt collector obtains verification of the debt or a copy of a judgment, and a copy of such verification or judgment is mailed to the consumer. '' Despite requests, no such legal documentation has been provided. This failure to comply violates federal law and renders continued collection and reporting unlawful, inaccurate, misleading, and deceptive under 15 U.S.C. 1692e, which prohibits : Any false, deceptive, or misleading representation or means in connection with the collection of any debt.

In addition, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate information and demand that unverifiable accounts be deleted from my consumer report.

The reporting and collection of any debt that can not be legally verified and validated constitutes : A violation of consumer rights, An act of unfair or deceptive practice, and A violation of due process under federal consumer protection laws.

I am requesting that the Consumer Financial Protection Bureau intervene immediately and take the following actions : Investigate the involved party ( debt collector and/or original creditor ) for failure to provide verification and documentation.

Ensure the immediate removal of the unverifiable debt from all consumer reporting agencies.

Require the entity to cease all collection activity and to provide proof of compliance with federal law.

Please attach this letter to my formal complaint record and notify me of the status and resolution. I am including a list of the specific accounts involved ( attached ), along with any responsesor lack thereofI have received from the debt collector or credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
To whom it may concern, I recently reviewed a copy of my Experian, Equifax and Transunion I noticed some late payments on my credit report : The inaccuracies are highly injurious to my credit score. 

Account Name : XXXX  Account Number : XXXX Experian : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Equifax : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Transunion : Account status : Closed Balance : {$2300.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Under The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611. 

Please provide the names and business addresses of each individual with whom you verified above, so that I may follow up.

Please send me an updated copy of my credit report after your investigation.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report d
oes not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences
between the consumer and the person making the report ; Delete the above late payments from my consumer report, This agency violates 15 USC 1681.

Furthermore, you also reported inconsistent and inaccurate information on my consumer report. 

Once again, I XXXX XXXX giving your company, 15 days to respond to this matter. 

Best Regards, 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 2025-06-02 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: Regional Management Corporation
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance : {$3100.00} Open Date XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX : {$460.00} Open Date XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} Open Date XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this formal complaint against JEFFERSON CAPITAL LL for multiple violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) in connection with a collection account they are reporting on my credit file.

Here are the specific violations and consumer harms I am alleging : 1. Failure to Validate Debt ( FDCPA 809, 15 U.S.C. 1692g ) I exercised my right under the FDCPA to request full and complete validation of the alleged debt being reported and collected by JEFFERSON CAPITAL LL Despite my written request, JEFFERSON CAPITAL LL failed to provide : A signed agreement bearing my signature
; A detailed accounting of the alleged amount owed; Proof they are legally authorized to collect this debt ; A copy of the original creditors documentation proving the debt is valid and accurate.

Until such validation is provided, no collection activity or credit reporting is permitted by law.

2. Reporting Inaccurate and Unverified Information ( FCRA 623, 15 U.S.C. 1681s-2 ) JEFFERSON CAPITAL LL is reporting information to the credit bureaus without verifying its accuracy, in direct violation of the FCRA.

When I disputed the account with both JEFFERSON CAPITAL LL and the credit reporting agencies, JEFFERSON CAPITAL LL failed to conduct a reasonable investigation and continued to furnish the disputed information, despite not validating it.

3. Failure to Mark the Account as Disputed ( FCRA 623 ( a ) ( 3 ) ) JEFFERSON CAPITAL LL has not marked the account as disputed with any of the major credit bureaus, even though I sent a formal written dispute. This is a clear violation of the FCRAs requirement to report an account as disputed once the consumer challenges its accuracy.

4. Potential Re-aging of the Account ( FCRA & FDCPA Violations ) The date of last activity or first delinquency appears to have been manipulated to keep the collection account on my credit file longer than legally allowed, which constitutes illegal re-aging. This is a deceptive practice and violates both the FDCPA and FCRA.

5. Continuing to Damage My Credit With Unverified Information ( FDCPA 807 False Representation ) JEFFERSON CAPITAL LL is continuing to misrepresent the legal status of the debt by reporting it to credit bureaus without proof that the debt is valid or owed by me, which violates FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I did not make an agreement with this company trying to collect this debt. Debit not owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-02 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureaus, I am writing to formally dispute an inaccurate item on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the following error. 
Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a XXXX of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a XXXX of identity theft Disputed Item : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Issue : XX/XX/XXXX I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 
Under the FCRA, you are required to investigate and respond within XXXX  days. Please correct the error and provide me with an updated copy of my credit report. If you are unable to correct the inaccuracy, please provide a detailed explanation of your findings. 
If the inaccurate information is not corrected, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a written response at your earliest convenience. 
Sincerely, 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 2025-06-02 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: PA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Information Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureaus, I am writing to formally dispute an inaccurate item on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct the following error. 
Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a victim of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Issue : XX/XX/XXXX Description of Error : " This account is not mine, '' I am a XXXX of identity theft I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 

Disputed Item : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of XXXX Description of Error : " This account is not mine, '' I am a XXXX of identity theft Disputed Item : Creditor Name : XXXX XXXXXXXX Account Number : XXXX Date of Issue : XX/XX/XXXX I have attached copies of supporting documents. These documents support my claim that the reported information is incorrect. 
Under the FCRA, you are required to investigate and respond within XXXX  days. Please correct the error and provide me with an updated copy of my credit report. If you are unable to correct the inaccuracy, please provide a detailed explanation of your findings. 
If the inaccurate information is not corrected, I am prepared to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 
Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a written response at your earliest convenience. 
Sincerely, 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 2025-06-02 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: OH

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report as Experian requested1 months ago when I called and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. they continue to ignore me, despite this being directly related to the Equifax breach and my info being sold on the dark web.

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 2025-06-02 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: IL

Complaint narrative:
I respectfully request the immediate blocking and removal of unauthorized accounts listed on my credit report. I did not authorize or open these accounts, and I do not recognize their origin. In accordance with USC 1681g, I am formally requesting their removal within 15 days. Enclosed are supporting documents for your review. Please also note that the account information is inconsistent, with different details being reported to each credit bureau

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 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-06-02 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: MI

Complaint narrative:
I am a victim of identity theft and unauthorized reporting. I submitted a formal dispute with full supporting documentation to [ XXXX/Experian/XXXX  ] including : FTC Identity Theft Report XXXX # XXXX ) Notarized affidavit Fraudulent itemized list Proof of identity Despite the evidence and protections under FCRA 605B [ 15 U.S.C. 1681c-2 ], this bureau failed to block or delete the clearly fraudulent and unverifiable information within the mandated 4 business days.

Additionally, per FCRA 623 ( a ) ( 6 ), furnishers were required to cease reporting blocked data. Under FCRA 615 ( f ), no entity may sell or collect debt caused by identity theft once notified. This bureau has failed to comply with all these protections. 

I further cite the FTC XXXX Letters to XXXX and XXXX ( XXXX ), which confirm that failing to provide verifiable documentation and continuing to report re-aged or unverifiable data violates federal law. 

Furthermore, due to the recent data breaches, my personal data has likely been compromised : XXXX XXXX XXXX  breach exposed SSNs, full names, and licensesdata used to fraudulently open or verify accounts. 
XXXX  XXXX XXXX data mishandling included personal financial details. 
XXXX  XXXX XXXX leak and XXXX authentication flaw exposed reports via unsecured URLs. 
These security failures make any derogatory data inherently unreliable, and this bureau has failed to meet its legal obligation to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

I request immediate removal of all disputed derogatory items listed in my previous correspondence, proper notice to furnishers, and compliance with the full reinvestigation and blocking requirements under federal law.

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