vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital has been contacting me about an old XXXX account. Some of the emails state I have until XXXX to dispute however they have reported negatively on credit report. 
They are texting and emailing. 
I am also getting messages from other companies stating that they represent Jefferson Capital. 
I would like them to stop contacting me. 
I would like them to cancel as XXXX was charged off. 
I would like the reporting removed from my credit report. 
I would like them to cancel as they are Misrepresenting with multiple companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter serves as my formal dispute of several collection and charge-off accounts currently being reported on my credit file. After a thorough review, I have determined that these accounts are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my legal right to request a complete reinvestigation of each disputed account. The credit reporting agency and the furnisher of the information are both required to verify the accuracy, completeness, and legitimacy of all data being reported. If proper verification including signed contracts, original account documentation, and lawful assignment of debt can not be provided, these items must be permanently deleted from my credit file. 

In addition, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are strictly prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting unverifiable or incomplete accounts constitutes willful noncompliance and a violation of 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
The persistence of this account has negatively affected my peace of mind. Ive attached supporting evidence to confirm my request for its removal.

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 2025-10-23 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: FL

Complaint narrative:
Despite being paid off, this account is still reported with late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
NOBODY ANSWERS THE PHONE WHEN I CALL THAT BORN IN THE USA THAT SPEAK CLEAR US ENGLISH WHEN I CALL FOR 5 HOURS YES 5 HOURS CALLING BACK - AND IAM ASKING EACH TIME I CALL FOR 5 HOURS TO SPEAK TO SOME IN THE DEPARTMENTS FRAUD THAT SPEAKS US ENGLISH TO HEAR EACH WORD CLEARING.

CHASE BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
On XXXX of XXXX  i received a letter from my Credit Card company letting me know that my account would no longer be active after XX/XX/year>. This closure of my account was due to XXXX XXXX was closing down the Credit Card portfolios and all accounts where being close down. During this period i had a XXXX of XXXX plus XXXX Dollars I continued making my monthly payments as agreed as per the terms of the credit card agreement. 
In the month of XXXX for some reason my credit card was placed in CHARGE OFF status. I right away called the credit card company and they kept sending my call to different agents and none could give me an answer. I have been calling them almost every other day to resolve this problem. 
On XX/XX/XXXX. XXXX  i finally reached a supervisor and he told me that i was placed on Charge-off status due to a filling of BANKRUPTCY. i explained that i have not filed for such bankruptcy and that i needed this to be investigated because it is damaging my credit report. He stated he would pass the information to the Appropriate department and would hear from then in XXXX. 
Today XX/XX/XXXX i still have not received such call to resolve this, the only thing i received was an email from the collection agency who bought the loan from XXXX XXXX. 
I called the XXXX XXXX to get information, and they told me they dint have my account with them. they took down my name and said they would research and get back to me as soon as they found something. My issue with all this is that i am not denying that i owe the money to XXXX XXXX, and i have been paying it. so they need to fix this mistake as soon as possible.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint against Equifax, Experian, and TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes I have submitted over time, the credit bureaus have failed to perform a lawful reinvestigation or provide the required method of verification for disputed items as required under 15 U.S.C. 1681i ( a ) ( 7 ).

The bureaus have repeatedly sent generic verified responses without supplying any proof, documentation, or evidence showing how or from whom the information was verified. This is a violation of 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed items, and 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Unresolved and Inaccurate Information The following accounts and personal information remain inaccurate and unverifiable despite multiple disputes : Incorrect Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my repeated disputes and supporting documentation, the credit bureaus have failed to provide : The exact method and process used to verify each account The full name, title, and contact details of the furnishers contacted Copies of any documentation relied upon to confirm the disputed information Violations and Legal Basis The actions of Equifax, Experian, and TransUnion constitute clear violations of : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable and good-faith reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a description of the method of verification. 

These failures indicate systemic negligence or willful noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 am really frustrated because inaccurate late payments are still showing on my credit reports when I checked this morning. Refreshing the browser did nothing to fix it. I want this resolved right away and I am asking that the documents I submitted be reviewed thoroughly so I no longer have to worry about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I Received a notification from credit monitoring that I had missed a payment that was over 30 days past due. I contacted XXXX XXXX XXXX asking how it was possible to be past due when I had sufficient funds in my linked checking account and was on autopay to ensure that I never missed a payment. XXXX  XXXX XXXX informed me that it was my fault for missing my autopay payment because they updated their payment system in XX/XX/year> and removed customers from Autopay. I asked when they sent out the notification and they said by either mail or email. The phone representative said that they have no record of having sent out mail informing me that I would be taken off autopay as part of a system maintenance. I told them that I did not receive a text or voice message about this important notification and could not find an email in my email history informing me of the Autopay removal. 

I was even more disappointed that XXXX  XXXX XXXX did not contact me to inform me that I had a missed payment and instead let the charge go XXXX days overdue and the only way I found out was through a credit reporting notification. I was let down by XXXX  XXXX XXXX not just by being removed from XXXX causing a missed payment, but also by XXXX  XXXX XXXX by not informing me of the missed payment, both of these factors resulted in the past due charge being added to my credit report. All other credit card account I have on autopay do not miss payments.

Being removed from autopay without sufficient notification and not being informed of a missed payment caused damage to my credit score. I go out of my way to always make my payment on time and enroll in Autopay while ensuring I have sufficient funds in my accounts to always pay my card payments. my score went down over 80 points even though I had exceptional credit and took all the necessary steps to ensure a missed payment would not occur. 

I checked the XXXX adjustment section of XXXX  XXXX XXXX website and it clearly states they do not provide this. Meaning even if XXXX  XXXX XXXX removes customers from Autopay causing missed payments and even if XXXX  XXXX XXXX does not inform customers of missed payments it is the customers responsibility and fault for XXXX  XXXX XXXX 's failure in communication. That anyone who has a missed payment regardless of cause it is 100 % the responsibility of the customer and that XXXX  XXXX XXXX must report missed payments regardless of any role it played in causing that missed payment to occur.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as my formal dispute of several collection and charge-off accounts currently being reported on my credit file. After a thorough review, I have determined that these accounts are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my legal right to request a complete reinvestigation of each disputed account. The credit reporting agency and the furnisher of the information are both required to verify the accuracy, completeness, and legitimacy of all data being reported. If proper verification including signed contracts, original account documentation, and lawful assignment of debt can not be provided, these items must be permanently deleted from my credit file. 

In addition, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are strictly prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting unverifiable or incomplete accounts constitutes willful noncompliance and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this statement to dispute several unauthorized or inaccurately reported credit inquiries that have appeared on my credit report. These inquiries were not initiated, authorized, or consented to by me and therefore may represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ) ( 2 ), 607 ( b ), and 611 ( a ), which protect consumers from the reporting of information without a permissible purpose and ensure maximum possible accuracy in consumer files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a consumer report to an entity with a legitimate business need, such as a credit transaction initiated by the consumer. I did not authorize or initiate transactions with the above entities during the dates listed.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing inaccurate or unverified information on my credit reports. The furnisher/CRA has not demonstrated accuracy or a reasonable investigation. Im requesting deletion if unverified, or complete correction of all fields ( dates, status, balance, payment history ). For late-payment issues, remove any late codes posted when payment was under 30 days past due or otherwise misdated. Please update all three CRAs and provide written confirmation.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/year> -Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against [ Experian XXXX Equifax XXXX TransUnion ] regarding their continued reporting of XXXX tradelines furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ). 

I previously filed CFPB Complaint ID XXXX against XXXX. Their response was legally insufficient and failed to validate the debts under FCRA and FDCPA. They provided only generic cardholder agreements and billing statements, without : Original signed contracts bearing my signature, Chain-of-title or assignment documents proving legal ownership at the time of reporting, or Any evidence demonstrating how they verified the accounts with the CRAs. 

XXXX also admitted that these accounts were sold to XXXX XXXX XXXX XXXX XXXX ). Once sold, XXXX lost the legal ability to verify ownership or accuracy. 

Despite this, Transunion continues to report these tradelines, in violation of FCRA 611 ( a ) and 623. Bureaus must delete or correct unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This account does not belong to me and has been reported inaccurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
( 15USC 1692 g ) VALIDATION OF DEBTS, I do not recognize how this account is reporting on my credit report.

I do not recognize the debt reported on my credit report.

I don't recognize the account number. 
I don't recognize the account status. 
I do not recognize the account high balance. 
Nor do I recognize the late payments associated with it.. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
( 15USC 1692 g ) VALIDATION OF DEBTS, I do not recognize how this account is reporting on my credit report.

I do not recognize the debt reported on my credit report.

I don't recognize the account number. 
I don't recognize the account status. 
I do not recognize the account high balance. 
Nor do I recognize the late payments associated with it.. 

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am a survivor of XXXX XXXX  and a victim of identity theft and financial abuse that occurred as part of my XXXX  situation. During and after this period, my personal informationincluding my name and Social Security numberwas misused in numerous ways, leading to damaged credit accounts, fraudulent activity, and negative marks on my credit report. My credit was further compromised by XXXX known data breaches this year.These events caused extensive inaccurate information to appear on my credit report, including late payments, collections, and closed accounts that I did not authorize or control. I have asked the credit bureaus and creditors to review and block these negative items under the Debt XXXX  Repair Act, which protects survivors of XXXX. However, the harmful information remains uncorrected, leaving me unable to secure housing or credit.This situation is urgent. I was recently awarded a Section 8 housing voucher that expires on Saturday, and the inaccurate credit information is preventing me from renting a place to live. Im requesting that all negative items tied to identity theft and XXXX  be blocked, that my credit report be corrected, and that my credit score reflect my true financial history so I can obtain safe housing and stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Steel River Systems, LLC
State: TX

Complaint narrative:
Steel river systems llc {$2500.00} I didnt open said account. 
A friend who was into XXXX  stole my wallet with my information sold it to someone else who used it to open account.i tried explaining to the debt collector but he didnt care.

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