vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: AZ

Complaint narrative:
Experian is reporting a collection account from XXXX XXXX XXXX that is inaccurate, unverifiable, and causing financial harm. I have disputed this account multiple times and Experian previously marked the dispute as complete. However, today ( XX/XX/year> ), Experian reopened the dispute internally without my request. 

I spoke with a representative today who admitted they could not provide a method of verification for this account, which is required under the Fair Credit Reporting Act ( FCRA 611 ). I was told the account was being reinvestigated under fraud but was kept on hold for over 70 minutes without access to a fraud supervisor.

I have submitted documentation. I also have 100 % on-time payment history on all accountsthere is no late payment or delinquent tradeline that would justify a third-party collection being added.

I am requesting the immediate removal of this collection account from my Experian credit report. This account is false, unverifiable, and Experian has failed to comply with FCRA obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
Inaccurate information reported on my credit report. XXXX Account number XXXX. I checked the payment history on my credit report and it shows that this account XXXX  on and in the months of XX/XX/year> to XX/XX/year> Experian is accurately reporting that I have payed on time but Equifax reported a late payment in the month of XX/XX/year> and Equifax is reporting I have a balance of XXXXXXXX XXXX  but Experian and TransUnion shows there is no balance and thats inaccurate, inconsistent and false information being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
Inaccurate information reported on my credit report. XXXX Account number XXXX. I checked the payment history on my credit report and it shows that this account XXXX  on and in the months of XX/XX/year> to XX/XX/year> Experian is accurately reporting that I have payed on time but Equifax reported a late payment in the month of XX/XX/year> and Equifax is reporting I have a balance of XXXXXXXX XXXX  but Experian and TransUnion shows there is no balance and thats inaccurate, inconsistent and false information being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 2025-06-17 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Originally had a loan for only {$400.00} and they have exceeded it to {$600.00} and sold it to another company. Originally with XXXX XXXX and has now sold it to Spring Oaks capital. 

I am disputing this account. I am never going to pay this, and I would like to cease and desist all communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding XXXX and JPMorgan Chase Bank ( JPMCB ) concerning a negative item on my credit report that I believe is outdated and unfairly impacting my credit score.

The record in question is associated with a credit card account ( Account Number ending in XXXX ), opened on XX/XX/XXXX, with JPMCB. The account is now paid and closed, and the status was last updated in XX/XX/XXXX. 

The late payment on this account occurred several years ago due to a unique circumstance : I had moved abroad for an extended period and did not receive my billing statements. As a result, I was unaware that a payment was due. This was not intentional negligence but the result of a communication breakdown during international relocation. 

Since then, I have responsibly managed my credit and maintained timely payments across all other accounts. However, this single late payment continues to appear only on my XXXX  report, even though it is absent from both XXXX and XXXX reports. This discrepancy is severely suppressing my XXXXXXXX  score ( XXXX ), while the other two bureaus report scores above XXXX. 

I have contacted JPMCB multiple times to resolve this issue and requested a goodwill removal or correction. Unfortunately, the bank has refused to take appropriate action and has delayed or denied the dispute process without just cause. 

I am now asking for the CFPBs assistance in : 1. Investigating why XXXX  continues to report this late payment, potentially beyond the acceptable reporting window ; 2. Urging JPMCB to cooperate in removing or correcting this derogatory item in light of its age, context, and my good faith effort to resolve it. 

This single item is disproportionately harming my credit standing, despite an otherwise strong and responsible credit history. 

Thank you for your attention to this matter. I am willing to provide further documentation if needed. 

Sincerely, XXXX XXXX SSN : XXXX Address : XXXXXXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Date : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TN

Complaint narrative:
XX/XX/XXXX To : [ Experian / TransUnion / Equifax ] Subject : Repossession Reporting Dispute Involving Co-Borrower Status Re : 15 U.S.C. 1681 ( a ) ( b ) ( c ) ( i ) FCRA Violations Dear [ Experian, TransUnion, & Equifax ] This is a formal dispute regarding the repossession account appearing on my credit report associated with : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Repossession : XX/XX/XXXX I am listed as a co-borrower or authorized user, but I did not authorize this debt, repossession, or related financial decisions made by the primary borrower. Reporting this repossession under my personal credit profile violates my rights under 15 U.S.C. 1681 ( a ), ( b ), ( c ), and ( i ) of the Fair Credit Reporting Act.

1. Violation of 15 U.S.C. 1681 ( a ) : Fair and Accurate Reporting The FCRA requires that consumer reporting be fair and accurate. Including a repossession for which I had no ownership, control, or authorization is misleading and materially inaccurate.

2. Violation of 15 U.S.C. 1681 ( b ) : Protection of Consumer Privacy and Fair Treatment You are required to respect the accuracy and privacy of consumer information. As a non-responsible co-borrower or co-signer, your continued reporting of this repossession unfairly damages my credit profile and is a misuse of my private data.

3. Violation of 15 U.S.C. 1681 ( c ) : Reasonable Procedures to Ensure Maximum Accuracy You failed to use reasonable procedures to verify whether I was financially and legally responsible for the repossession. I demand immediate validation of my legal liability for the debt and repossession. If you can not verify it, you must delete this account from my file.

4. Violation of 15 U.S.C. 1681 ( i ) : Failure to Reinvestigate Disputed Information This is my formal dispute. If you fail to verify this account with complete, documented proof within 30 days, you are in violation of your legal obligations. I demand the following documentation : The original loan contract showing I was financially responsible.

Copies of repossession notices, default notices, and communications.

Assignment and authorization records showing I agreed to the repossession or debt recovery.

If such documents do not exist or can not be produced, you must immediately delete this item from my credit file under federal law.

FINAL NOTICE Be advised : failure to respond with full and accurate validation within the timeframe allowed under 15 U.S.C. 1681 ( i ) may result in legal action and complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) and State Attorney Generals Office for willful noncompliance.

I demand written confirmation of deletion or investigation results within 30 days as required. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson capital place a collection on my consumer report without my knowledge. I never consent to Jefferson capital to contact me about any alleged debt which is a violation of the fdcpa. 
I am requesting that Jefferson capital verify the following information : 1. Full original account number 2. Date original account was opened 3. Any written agreements between myself and the original creditor stating the debt owed 4. Full account summary and itemized calculations of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the time governed by FDCPA law.

If Jefferson capital systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson capital has also failed to follow fdcpa by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I received repeated calls and mail from Linebarger Goggan Blair & Sampson LLP attempting to collect on alleged debts tied to XXXX XXXX, FL citations. I was never provided a proper debt validation notice, and I did not give consent for them to obtain or use my personal information. I do not know what specific debts they are referencing, and no account documentation or itemization has ever been provided. 
I submitted a formal dispute and deletion demand by certified mail and have not received a response. This failure to validate and the unauthorized use of my personal contact information violates FDCPA and potentially the FCRA. I believe they are attempting to collect on government-related debts that may be too old to enforce, already disputed, or assigned to another agency.

I am requesting full deletion of any accounts tied to my name and an investigation into their collection and data use practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

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