vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Subject : Formal Dispute Invalid Collection Reporting Re : Account XXXX XXXX XXXX XXXX XXXX Unknown Collection Agency XXXX XXXX  Dear XXXX  Disputes Department, I am writing to formally dispute the validity and accuracy of a collection account listed on my credit report under account number XXXXXXXX XXXX XXXX XXXX XXXX 

After reviewing my report, Ive identified the following serious and material violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws : Material Inaccuracies : No original creditor is identified, making this debt unverifiable under 15 U.S.C. 1681e ( b ) and FDCPA 15 U.S.C. 1692g ( a ).

The reported balance of {$720.00} exceeds the high credit of {$610.00}, which is factually and mathematically impossible. This indicates either careless data furnishing or a deliberate misrepresentation. 

Key fields including date of last payment, monthly terms, credit limit, and payment history are completely missing. Incomplete records violate 15 U.S.C. 1681i ( a ) ( 5 ).

The dispute comment Customer disputed account reported by subscriber remains even though I am not disputing this with the furnisher directly, and no active investigation is taking place. This false dispute notation misrepresents my credit profile. 

DEMAND FOR DELETION This collection account is unverifiable, incomplete, and materially inaccurate. As such, you are legally obligated under the FCRA to : Delete this tradeline from my credit report, Notify me in writing of the results of your reinvestigation within 30 days, and Provide the method of verification used.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I will also consider pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Please consider this letter a direct dispute under FCRA and FDCPA provisions. I expect a full resolution, including deletion of this unverifiable account, within the statutory timeline. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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: NY

Complaint narrative:
I am writing to request a correction of the following information that appears on my EQUIFAX consumer report : Acct number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX is currently reporting a 30-day delinquency on my credit report, which is reporting in error because I had a payment scheduled for XX/XX/2025 in the amount of {$17000.00} withdrawn from my bank account. The company that currently reports my student loan ( XXXX XXXX XXXX  ) Has never written and or verbally stated and or reported to EQUIFAX that the student loans in question wore delinquent in XX/XX/2025. Therefore this 30-day late is reporting in error and needs to be fixed immediately or legal action will be taken. Included is proof of payment and confirmation from the original creditor agreeing to the terms and conditions of payment rendered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
I drafted a Fair Credit Reporting Act dispute letter to XXXX for unverifiable accounts, emphasizing their 30-day investigation obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: UT

Complaint narrative:
b'I called this company on XXXX XXXX XXXX XXXX XXXX XXXX and asked for the purchase agreement from the original creditor, chain of assignment, insurance claim of debt, and my wet signature on agreement for original debt as well as forward flow agreement.\n\nI was told by XXXX  that the company does not provide this paperwork, I asked to speak with supervisor and was disconnected, this happened twice.\n\nI request a debt validation and verification of how the debt was verified and what information and process was used under usc 1692 (g) .\n\nPlease have then remove this debt or verify under  federal law. I do not recognize this debt as accurate.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I want to make it unequivocally clear that this complaint is valid and not submitted in error. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These reporting errors are having a significant and ongoing negative impact on my financial stability and overall well-being. 
This situation is creating an undue burden during an already difficult time, and I am requesting your immediate attention to resolve the 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 2025-07-01 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: CA

Complaint narrative:
I have 4 bankruptcies shown on my credit XXXX  Credit report under the Public Records section. XXXX  obtained from this incorrect information from local, state and federal courts through a third party vendor, XXXX. These four bankruptcies are reported incorrectly and should not be shown on my credit report : as I voluntarily dismissed and have been paying down thee debt and of their was actually XXXX official bankruptcy as follows : XXXX. XXXX ID # XXXX XXXX This was my original bankruptcy filed by my attorney 's office. My attorney 's was supposed to file a updated Wage Earner Plan and failed to do so or pay the court fee to file and the case was dismissed by the judge. As this was not my fault, I am not liable for the errors of my attorney with the courts and this should not be reported on my credit file as it is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX to the judges dismissal of my original Case ID # XXXX due to the my attorney neglect, my attorney 's office had to re-file my bankruptcy case, therefore, this is not a new case but duplicate of my original case. 

XXXX. XXXX ID # XXXX filed XX/XX/XXXX - XXXX on - This bankrupty was dismissed by the judge at court after the second hearing because my attorney failed to appear in court nor send anyone on their behalf to represent me, therefore, the judge dismissed the case. I met another attorney at this court date date that offered to represent my through his lawfirm. 

XXXX. XXXX ID # XXXX filed on XX/XX/XXXX - dismissed on XX/XX/XXXX - XXXX to the majority of available attorneys quiting at my first attorney 's office, he forwarded my case file to a new attorney to represent me. This attorney filed the case, we did a Wage Earner Plan for payments to my identified creditors. I began making payments through my Trustee, however, after 6 months or so, the courts increase my payment amounts and I could not afford the monthly payment increase amount so I voluntarily instructed my attorney to just have the case dismissed and I would make arrangements to payoff my debt without the assistance of the courts.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it unequivocally clear that this complaint is valid and not submitted in error. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy. These reporting errors are having a significant and ongoing negative impact on my financial stability and overall well-being. 
This situation is creating an undue burden during an already difficult time, and I am requesting your immediate attention to resolve the 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 2025-07-01 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: OR

Complaint narrative:
The company placed a collection on my account for a debt that is not mine, I have no knowledge of, nor have I lived in the area of the debt

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: IN

Complaint narrative:
The original creditor, Upstart Network Inc., sold my account to another company XXXX XXXX XXXX XXXX XXXX and it is now closed with {$0.00} balance. However, Upstart continues to report this account as charged off in XX/XX/year> and is showing multiple late payments long after the debt was sold and paid off. 

I made my final payment in XX/XX/year>, and the account should not reflect charge-off activity or delinquencies after this point. This is inaccurate and is negatively affecting my credit score. 

I disputed this with XXXX, but no corrections were made. I am requesting that the original creditor 's tradeline either be removed or updated to show accurate information - including removing the charge-off status and late payments that occurred after the account was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, I began receiving unsolicited text messages from Jefferson Capital Systems , LLC regarding a debt for someone named XXXX. I am not XXXX and have no association with the alleged account. The messages were sent to my personal cell phone number without my consent. 

I received messages on : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I replied STOP on XX/XX/XXXX and received an opt-out confirmation, but the previous messages were unsolicited and appear to have been sent using an automated system. 

These contacts are violations of the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ). I want my phone number removed permanently and request appropriate compensation for unauthorized contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Account Comenity Capital Bank / XXXX According to FDCPA 15 U.S.C 1692g I have the right to dispute inaccurate and unverifiable information reflecting credit report. Requesting original signed contract bearing my signature to debt. Copies of any agreements, contacts and proof that your company is licensed to collect debt in my state. Detailed explanation of how debt was calculated. I request that this verification be provided to me within 30 days from the date of this letter. Debt is also reporting a profit and loss write off. Requesting a 1099 C for accuracy.

Until such time, all collection activity must cease and desist, including reporting to credit bureaus regarding this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a late payment reported on my Credit report. According to 15 U.S.C. 1666b, a creditor is required to credit payments on the same day they are received, assuming the payment is made in compliance with the creditors stated payment instructions and cutoff times. 

A creditor shall credit a payment to the consumers account as of the date of receipt of the payment, except when a delay in crediting does not result in a finance or other charge. 

I submitted my payment on time, and I believe it was either improperly posted or credited late through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Quicksilver card closed my account due to returned payments from my checking account. My account was up to date in payments and at no time was I over my balance or late on payments. At the time my account was closed, I had {$550.00} in my rewards account. When I called the customer service office, I was told the would not provide access to my rewards because my account was closed due to " inconsistent with typical customer account usage. '' During the call the capital one rep advised that the thought I fraudulently made payments that would be returned. The returned payments were due to a recent change in checking accounts without removing it from payment options. I view that Capital one is not honoring their rewards policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I recently recieved my credit report and noticed several inaccuracies and unauthorized aacounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 
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. 
Account name : # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or I can not be verified, the consumer reporting agency shall ( ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is trying to collect on a debt that has already been deemed fraudulent due to identity theft and been and deleted from any association to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
This is a second complaint regarding XXXX XXXX  false 30-day late payment for XXXX. I previously submitted evidence proving my payments were on time, yet the company continues to deny the error without addressing the documents I provided. 

Their refusal to investigate or correct the false credit reporting appears to be a willful violation of the Fair Credit Reporting Act ( FCRA ) and is damaging my credit. I am requesting enforcement review and that this company be required to respond to the facts not issue a generic denial. 

I am attaching documentation again, including payment records, emails, and previous complaint numbers

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