vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
All three credit reporting agencies XXXX Experian, and XXXX continue to report an inaccurate and damaging charge-off account for XXXX XXXXXXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/year> in the amount of {$6200.00}. I have disputed this account multiple times and have demanded that it be properly investigated and corrected, yet all three agencies have failed to comply with their obligations under the Fair Credit Reporting Act. 

This reporting is a direct violation of 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation whenever a consumer disputes the completeness or accuracy of information. Instead of performing a lawful investigation, the bureaus simply allowed XXXXXXXX XXXX data to remain without verifying it with actual evidence or documentation. I have never been provided with proof establishing the accuracy of this alleged charge-off, nor any original records that justify its continued reporting. Repeatedly marking a consumers disputes as verified without meaningful investigation is the exact type of negligence and willful noncompliance that the FCRA prohibits. 

Additionally, 15 U.S.C. 1681b makes it unlawful for a credit reporting agency to furnish a consumer report to third parties when the information inside that report is inaccurate or outdated. By continuing to report this false charge-off, all three agencies are furnishing misleading consumer reports to creditors, employers, and financial institutions, which has caused me very real harm. 

Because of this inaccurate entry, I have been denied access to fair credit opportunities. I was recently declined for a personal loan with competitive terms that I urgently needed, forcing me to turn to less favorable options with higher interest rates. I have been turned away from credit cards and even faced higher insurance premiums because lenders and insurers perceive me as a greater financial risk due to this fabricated charge-off. Beyond the financial harm, this experience has also taken an emotional toll on me. It is degrading and exhausting to constantly be judged by an error that the credit bureaus refuse to fix, even after I have exercised my rights under federal law. Every application process becomes a source of anxiety, knowing I will be judged based on an inaccurate and unlawful record. 

The law is clear : credit reporting agencies must report information with maximum possible accuracy, they must delete or correct inaccuracies after a proper reinvestigation, and they may not furnish false reports to third parties. XXXX Experian, and XXXX have each failed on all fronts with this account.

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 2025-08-19 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: MS

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX XXXX ] [ XX/XX/XXXX ] To : TransUnion LLC Subject : Formal Dispute Under FCRA 15 U.S.C. 1681e ( b ) & 1681i ( a ) ( 5 ) ( A ) Dear TransUnion, This is a dispute of inaccurate and/or unverifiable credit reporting. Per the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : You must maintain reasonable procedures for maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : You must delete or correct any information that is inaccurate or can not be verified. 




The accounts in dispute are : XXXX XXXX XXXX XXXX entry disputed ; provide original source documentation or delete. 
XXXX XXXX XXXX XXXXXXXX late entry disputed ; provide verifiable proof or remove. 
XXXX XXXX XXXX mismatch ; verify with documentation or delete. 




If these items can not be verified with signed, dated records from the original creditor, they must be removed from my file. 



Please provide your investigation results within 30 days in accordance with the law. 



Sincerely, [ XXXX XXXX ] XXXX ( last XXXX ) : XXXX XXXX : [ XX/XX/XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MS

Complaint narrative:
TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX XXXX ] [ XX/XX/XXXX ] To : TransUnion LLC Subject : Formal Dispute Under FCRA 15 U.S.C. 1681e ( b ) & 1681i ( a ) ( 5 ) ( A ) Dear TransUnion, This is a dispute of inaccurate and/or unverifiable credit reporting. Per the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : You must maintain reasonable procedures for maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : You must delete or correct any information that is inaccurate or can not be verified. 




The accounts in dispute are : XXXX XXXX XXXX XXXX entry disputed ; provide original source documentation or delete. 
XXXX XXXX XXXX XXXXXXXX late entry disputed ; provide verifiable proof or remove. 
XXXX XXXX XXXX mismatch ; verify with documentation or delete. 




If these items can not be verified with signed, dated records from the original creditor, they must be removed from my file. 



Please provide your investigation results within 30 days in accordance with the law. 



Sincerely, [ XXXX XXXX ] XXXX ( last XXXX ) : XXXX XXXX : [ XX/XX/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 2025-08-19 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: SC

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 2025-08-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: AZ

Complaint narrative:
My personal and financial information was compromised violating the FERPA. I request full cancellation of all of my student loan debt. 

XXXX Absolute Resolutions Inv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT Of Education XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$340.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing validation of debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this debt and require the following : Verification of the debt ( including the amount and original creditor ). Proof that you are authorized to collect this debt. Full details of the original account, including statements or agreements. Please treat this letter as a formal dispute of this debt, and cease all collection activity until the requested validation has been provided. 

If any can not be verified, it must be corrected or removed immediately. 

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 2025-08-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing validation of debt you claim I owe, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this debt and require the following : Verification of the debt ( including the amount and original creditor ). Proof that you are authorized to collect this debt. Full details of the original account, including statements or agreements. Please treat this letter as a formal dispute of this debt, and cease all collection activity until the requested validation has been provided. 

If any can not be verified, it must be corrected or removed immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am filing a complaint regarding a collection account that recently appeared on my XXXX  credit report. The collection is being reported by Credit Collections on behalf of XXXX XXXX for an alleged balance of {$140.00}. 

At no point was I ever properly notified of this account. When I contacted the collection agency directly to inquire, they confirmed they had been using an incorrect mailing address for me. As a result, I was never given the opportunity to verify, dispute, or resolve the account in a timely manner as required under the Fair Debt Collection Practices Act ( FDCPA ). 

I offered to pay the debt in full in exchange for deletion of the tradeline, given the fact that I was never properly notified. The collection agency refused this reasonable resolution and has continued to report the account as unpaid, despite knowing I was deprived of my legal right to respond due to their own error. 

This reporting has caused and continues to cause damage to my creditworthiness. I am requesting that the FTC investigate this matter as a violation of my consumer rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). Specifically : I was never properly notified of this debt before it was reported. 

The agency confirmed they had the wrong address on file. 

I was denied my legal right to timely dispute the validity of the debt. 

The agency is refusing to work with me to resolve the account fairly. 

I am requesting that this collection account be removed from my credit file immediately as it was reported improperly and in violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Klarna AB
State: CA

Complaint narrative:
There was a charge of {$370.00} on my debit card. Klarna claims they can't help me because they do not see the charge on their end. I've tried escalating to their fraud department, but because they can't see the charge on their end, even though the charge is coming from them via my bank account, in their eyes, it doesn't exist. It appears my debit card was breached and was charged by Klarna. They have not been helpful or taken it seriously. My bank, fortunately, is. I've cancelled the card and removed this and all bank accounts on Klarna and have closed my account until this is resolved. I had two other suspicious charges all at the same time. One for a " deposit for an account '' for {$100.00}, my bank stated it was from XXXX XXXX, although I never opened an account with XXXX XXXX. Then another charge for a " XXXX XXXX XXXX '', which of course I did not charge, for around {$350.00}. Both were charged and then reversed. The Klarna charge also came in at the same time, but it was not reversed. Their customer service agents all said the same thing... they didn't see a charge, so it doesn't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello on XXXX XXXX & XXXX XXXX I tried opening business accounts at several different bank institutions and they all gave me the same response and letter about XXXX XXXX XXXX and fraudulent charges from Bank of America that I honestly didn't commit so I tried contacting XXXX XXXX XXXX and got no clear cut answers and I'm ready to resolve this issue once and for all. Please & Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Last 4 of SSN : XXXX Company Information : Jefferson Capital Systems , LLC XXXX. XXXX XXXX, XXXX, CO XXXX Account Number : XXXX ( XXXX XXXX XXXX ) FTC Identity Theft Report Case # XXXX Certified Mail Tracking # XXXX I am formally disputing an account reported by Jefferson Capital Systems , LLC ( Account Ending XXXX ) that is fraudulent and unverifiable. 

Key Facts : The account was associated with the address XXXX XXXX XXXX, XXXX, GA XXXX, which is fraudulent. I have no lease, credit cards, or agreements associated with that address. 

FTC Identity Theft Report # XXXX has been filed. The account has been deleted from TransUnion and permanently removed from all major credit bureaus. 

Proof of XXXX  data breach and 78 exposures in the National Public Breach ( NPB ) demonstrate my personal information was compromised prior to the alleged account activity. 

Jefferson Capital has not provided full validation, including : Chain of title / assignment records Original agreement/ E-SIGN signature verification Complete accounting records Address verification linking account to my lawful address Prior disputes and identity theft notifications have not been honored, including failure to remove the account or provide verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/year> -- {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OH

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XX/XX/XXXX my wife passed away. She was a joint signer on the accounts. I requested they remove her name from both checking and savings. They required documentation which I completed. They made many mistakes regarding signature cards, beneficiary changes, and the death certificate. The course of action would change depending on which representative I spoke to each time. I have kept notes of each call I had to make - there were many. This last event they determined I needed to submit a death certificate which I had already done on XX/XX/XXXX. I uploaded another copy while speaking with the rep today XX/XX/XXXX. I requested a confirmation they have receive the document and was promised a call XXXX hrs just to acknowledge the document. They don't know when they will be able to correct my account.

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 2025-08-19 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: NY

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 ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation