vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am filing this complaint to formally dispute a debt being collected and reported by XXXX on behalf of Jefferson Capital Systems , LLC, related to an alleged XXXX account. 

XXXX and Jefferson Capital have reported a balance of {$490.00} under account number XXXX to the major credit bureaus ( XXXX XXXX, and XXXX  ). I have not received proper debt validation, and this account remains unverified, which is a violation of multiple federal laws. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I requested validation of the debt, including : A copy of the original contract with my wet signature A complete itemized statement showing how the debt was calculated Proof that Jefferson Capital Systems has legal authority to collect on this debt Confirmation that the debt was not transferred or sold without my explicit written consent, as required by contract law and basic consumer protections To date, none of these documents have been provided via mail, and no consent to sell or transfer this debt was ever granted by me. The continued collection and credit reporting activity without validation is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under the FCRA, if the reporting furnisher can not validate a disputed debt within 30 days, the item must be deleted from my credit report. Continuing to report this unverifiable debt damages my credit standing. 

Requested Resolution : I am requesting the CFPB to : XXXX. Investigate XXXX and Jefferson Capital Systems for failing to provide required documentation XXXX. Order the removal of the account from all consumer credit reports XXXX. Require mailing of all original validation documents including contract and itemization XXXX. Ensure no further collection or reporting occurs unless full legal validation is provided I am attaching supporting documentation including my ID, proof of address, and a copy of this complaint. If this matter is not resolved in compliance with federal law, I will pursue legal remedies for damages and FDCPA/FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my XXXX XXXX, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

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 2025-07-06 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: GA

Complaint narrative:
* * COMPLAINT SUMMARY : * * TransUnion is violating the Fair Credit Reporting Act by continuing to report XXXX disputed accounts after admitting in writing they never received verification from the data furnishers. 

* * WHAT HAPPENED : * * I disputed XXXX accounts with TransUnion ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) stating " I have no knowledge of these accounts. '' TransUnion investigated each account as required by law. Their written dispute results for ALL XXXX ACCOUNTS state : " Unfortunately we did not receive dispute results for this account. '' Despite admitting they never received verification for any of these XXXX accounts, TransUnion continues to report all of them on my credit report. 

* * THE VIOLATION : * * FCRA Section 611 ( a ) ( 5 ) ( A ) requires credit bureaus to delete information that can not be verified during an investigation. TransUnion 's own written admissions prove they could not verify these XXXX accounts, yet they continue reporting them. 

* * IMPACT : * * These XXXX unverified negative accounts are severely damaging my credit score, preventing me from obtaining credit, and causing ongoing financial harm. 

* * WHAT I WANT : * * XXXX. TransUnion to immediately delete all XXXX unverified accounts XXXX. CFPB investigation into TransUnion 's systematic FCRA violations XXXX. Enforcement action for this pattern of non-compliance * * EVIDENCE : * * I have screenshots of TransUnion 's written admissions for all XXXX accounts stating they " did not receive dispute results '' plus credit reports showing continued reporting of these unverified accounts.

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 2025-07-06 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some information I am unfamiliar with. I have asked the CRAs to remove all personal infomation that does not belong to me such as names, addresses, employers, and phone numbers. As well as all of those hard and soft inquires on my credit profile, however, the information has not been provided with proof or has it been removed from my credit profile. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. And according to the FTC FCRA you all have within XXXX  days or less to remove all this false information from my credit profile.

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 2025-07-06 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: AR

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some information I am unfamiliar with. I have asked the CRAs to remove all personal infomation that does not belong to me such as names, addresses, employers, and phone numbers. As well as all of those hard and soft inquires on my credit profile, however, the information has not been provided with proof or has it been removed from my credit profile. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. And according to the FTC FCRA you all have within XXXX  days or less to remove all this false information from my credit profile.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Subject : Chase Reporting Inaccurate Account Not Listed on Any Credit Bureau Request for Removal and Damages Under FCRA 605B and 611 Company : JPMorgan Chase Bank , N.A . 
Product : Credit Card Issue : Incorrect information on credit report Consumer Complaint Narrative : I am submitting this formal complaint against JPMorgan Chase regarding a credit card account, partial account number XXXX, which continues to appear in my Chase mobile app and internal account profile, even though it has been removed from all three major credit reporting agenciesXXXX XXXX, and XXXX  of todays date. 
In support of this complaint, I have submitted all necessary identifying and supporting documents, including a copy of my government-issued photo ID, Social Security card XXXX proof of address via verified mail, a signed and notarized FTC Identity Theft Affidavit declaring the Chase account in question as unauthorized or related to identity theft, current copies of all three bureau reports showing the account has been deleted, and a screenshot from my Chase app clearly displaying that the account remains visible and active internally. 
Under the Fair Credit Reporting Act ( FCRA ), Chase is required to block and cease the use of any account that has been identified as fraudulent or the result of identity theft, once the proper documentation is provided, in accordance with 605B [ 15 U.S.C. 1681c2 ]. Furthermore, under 611 [ 15 U.S.C. 1681i ], I have the right to request a reinvestigation of disputed information and to have unverifiable or false data removed. Chases continued retention and display of this accountdespite its removal by all three credit bureaus and my submission of full supporting documentationdemonstrates either a refusal or failure to comply with these FCRA obligations. 
This situation has caused me significant emotional distress, concern over my data privacy, and hesitation to move forward with future credit applications, due to the possibility that Chase may still use this incorrect or disputed information in its internal decision-making processes. I believe this conduct constitutes willful noncompliance under FCRA 616 [ 15 U.S.C. 1681n ] and/or negligent noncompliance under FCRA 617 [ 15 U.S.C. 1681o ]. 
Therefore, I am requesting that Chase permanently delete the account from its internal records and ensure it is removed from all online and mobile app access. I am also requesting a written confirmation that the account has been purged from all systems and will not be referenced in any future credit decisions or retained in any form. Furthermore, I am seeking monetary damages in the amount of {$1000.00} for the distress, harm, and violation of my rights under federal law. 
Please confirm receipt of this complaint and provide a full written response outlining the actions taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: HI

Complaint narrative:
Account XXXX : XXXX * * * * I am a XXXX XXXX XXXX member formally disputing the accuracy of a XXXX and XXXX late payment reported on my closed XXXX XXXX ending in XXXX. 

This account was fully paid and closed with a {$0.00} balance as of XX/XX/year>. However, a late payment was reported in XXXX and XX/XX/year>, which appears to stem from a residual interest charge added after the payoff. I was not made aware of any remaining balance or interest after my final payment, and as such, was not given proper notice or opportunity to address it before the late mark was reported. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, information reported to credit XXXX must be accurate and fairly reflect a consumers credit behavior. This reported late payment : Does not reflect a missed or intentional default Was caused by an uncommunicated post-payoff interest balance Is damaging my credit unfairly despite my timely payoff I request a reinvestigation of this reporting and removal of the late payments. I have attached a copy of my credit report for reference.

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 2025-07-06 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: TX

Complaint narrative:
I am disputing several negative items on my credit report that remain unverified despite prior attempts to resolve them. I followed the proper dispute process under the Fair Credit Reporting Act ( FCRA ) and provided written notice to the credit reporting agencies. However, I believe the investigations conducted were unreasonable and inadequate, in violation of 15 U.S. Code 1681i. 

The items in question include multiple derogatory accounts such as charge-offs, collections, and late payments that were reported as recently as late XXXX and XXXX. Examples include : A collection from XXXX XXXX XXXX reported on XX/XX/XXXX for {$250.00} A collection from XXXX XXXX OF A reported on XX/XX/XXXX for {$360.00} A charge-off from XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$5500.00} A repossession from XXXXXXXX XXXX opened on XX/XX/XXXX for {$5100.00} Multiple closed accounts with late payment history still reporting negative status, including REGIONS BANK and CAPITAL XXXX Despite submitting formal disputes, the credit bureaus failed to provide documentation verifying the accuracy and completeness of these accounts. In many cases, the past due balances were {$0.00}, and the status appears outdated or inconsistent with actual payment history. 

I am requesting that these unverifiable or inaccurately reported accounts be removed from my credit file in accordance with FCRA guidelines, specifically 15 U.S. Code 1681i, which requires deletion of disputed information if it can not be verified. 

This inaccurate reporting has significantly harmed my credit standing and financial opportunities. I respectfully request CFPB 's assistance in holding the credit bureaus accountable and ensuring fair treatment 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
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I am disputing several negative items on my credit report that remain unverified despite prior attempts to resolve them. I followed the proper dispute process under the Fair Credit Reporting Act ( FCRA ) and provided written notice to the credit reporting agencies. However, I believe the investigations conducted were unreasonable and inadequate, in violation of 15 U.S. Code 1681i. 

The items in question include multiple derogatory accounts such as charge-offs, collections, and late payments that were reported as recently as late XXXX and XXXX. Examples include : A collection from XXXX XXXX XXXX reported on XX/XX/XXXX for {$250.00} A collection from XXXX XXXX OF A reported on XX/XX/XXXX for {$360.00} A charge-off from XXXX XXXX XXXX XXXX opened on XX/XX/XXXX for {$5500.00} A repossession from XXXXXXXX XXXX opened on XX/XX/XXXX for {$5100.00} Multiple closed accounts with late payment history still reporting negative status, including REGIONS BANK and CAPITAL XXXX Despite submitting formal disputes, the credit bureaus failed to provide documentation verifying the accuracy and completeness of these accounts. In many cases, the past due balances were {$0.00}, and the status appears outdated or inconsistent with actual payment history. 

I am requesting that these unverifiable or inaccurately reported accounts be removed from my credit file in accordance with FCRA guidelines, specifically 15 U.S. Code 1681i, which requires deletion of disputed information if it can not be verified. 

This inaccurate reporting has significantly harmed my credit standing and financial opportunities. I respectfully request CFPB 's assistance in holding the credit bureaus accountable and ensuring fair treatment 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX  in XX/XX/2025 pulled my credit report without my consent with equifax which caused hard inquiry on my credit report I contacted XXXX about the issue they corrected it and said they contacted Equifax about the issue to I filed a dispute with equifax XXXX, XXXX and XX/XX/2025 and each time they refuse to delete the inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: WA

Complaint narrative:
In XX/XX/XXXX, I met with a representative from XXXX XXXX to discuss getting a quote for solar panel installation on my home. During this meeting, I was asked to sign a document explicitly for the purpose of running a credit check to provide an estimate. I was not informed that this signature would be used for any other purpose. 

Following the meeting, I decided not to move forward with the installation and informed my salesperson to cancel any pending contracts or financing arrangements. 

On the XXXX of XXXX, XXXX I received an email informing me that I owe Solar Mosaic {$13000.00} and that a payment of {$100.00} had been removed from my account. Shocked, I investigated what this charge was for to discover that my signature had been fraudulently placed on a loan contract that I had never seen, read, or consented to signing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I contacted the company to request an Investigation of Inaccurate Charges I formally disputed the charge-off entry listed on my credit report from I believe this account is inaccurately reported and I requested a thorough investigation under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I believe the following information is incorrect : Due to incorrect account balance, I was never provided the information as requested, I also asked to have the documentation verifying the charges on my account, and if they were unable to validate the accuracy of this information within XXXX  days, I requested its immediate removal from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
m reaching out to formally dispute inaccurate and conflicting information being reported on my credit file concerning a XXXX account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). This account has been paid in full and carries a {$0.00} balance, yet it is still being reported negatively by all three credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ) ( which requires maximum possible accuracy in reporting ) and 15 U.S.C. 1681i ( a ) ( which mandates a timely investigation and correction or deletion of inaccurate or unverifiable information ), I am requesting a thorough review of the following discrepancies : Payment Status : TransUnion and Experian report the account as Collection/Chargeoff even though the balance is {$0.00} and the status is marked Paid. 
XXXX  shows 120 Days Late, while also showing a {$0.00} balance and that the account is closed. 
Inconsistent Dates : Date Opened : TransUnion lists XX/XX/XXXX ; Experian and XXXX  show XX/XX/XXXX. 
Last Reported : TransUnion/Experian report XX/XX/XXXX ; XXXX  shows XX/XX/XXXX ( a future date, which is not valid ). 
Last Payment Date : TransUnion/Experian show XX/XX/XXXX ; XXXX  says XX/XX/XXXX. 
Conflicting Comments : XXXX  includes serious derogatory comments like Account seriously past due and Assigned to collections, even though it also shows 24 consecutive OK ( on-time ) payments in the payment history.

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 2025-07-06 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: NRA Group, LLC
State: GA

Complaint narrative:
XX/XX/year> i gota car from national auto it was in an car acciednt they have the car back but it still on my accountvia have hard inquiries that i didint do

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 2025-07-06 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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: MI

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief