vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: MA

Complaint narrative:
This is a follow-up to my previous dispute regarding the XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a reported balance of {$87.00}. To date, I have not received confirmation of a proper reinvestigation or correction as required under the Fair Credit Reporting Act ( FCRA ). The reporting of this account remains inaccurate, incomplete, and unverifiable, which continues to harm my credit profile. This violates my rights under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and the furnishers obligations under FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
Jefferson Capital Systems have been contacting me about incorrect debt as well as ignoring my wishes to not be contacted no more. They have took a step father and have contacted multiple family members and relatives and threatened to contact my place of employment and past employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
XX/XX/year> I contacted XXXX support phone number XXXX for my Refund of {$1000.00}. XXXX XXXX had me install a remote access to my XXXX account and saw my XXXX withdraw in progress since XXXX of {$870.00}. He insisted he could get me my money back by then remote support and gave me a ref ID XXXX billing team XXXX XXXX said he was verification of the refund for XXXX. 
XXXX had me access my XXXX bank account and install Zelle and he type a XXXX d in {$120.00} - XXXX XXXX, {$870.00} XXXX XXXX XXXX I was induced in this transaction and thrn realized after he hung up that I lost my {$1000.00} and fraud from XXXX debits on my checking account. Then he installed a XXXX XXXX checking account via emai sent to me to verify the account in XXXX days with XXXX amounts less than {$1.00}. Then another imposter FTC guy named XXXX XXXX XXXX gets on the phone saying he can get me my money back a XXXX year investigation to keep it private. Don't go to the banks as my team is working on this .and you will hear from me on Monday XXXX. He called/text twice per day. 
I decided they were all fraudsters and blocked their numbers and called my banks and reported fraud and froze my accounts. 
I reported this to FTC online on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
XXXX of showing proofs that I was a minor when account was opened, along with filing of FTC & Police Complaints, Equifax continues to report fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I am writing to formally file a complaint against XXXX  regarding inaccurate information contained in my credit report. 

On XXXX submitted a request to XXXX  for the removal XXXX all inaccurate and unauthorized information appearing on my credit report. The inaccuracies are a direct result of a data breach that occurred with XXXX  in XX/XX/year>. Because of this breach, my personal information was compromised, leading to accounts and/or entries that do not belong to me being reported under my credit profile. 

I am requesting the Consumer Financial Protection Bureaus assistance in ensuring that XXXX  promptly investigates my dispute, removes any and all inaccurate items resulting from this breach, and provides written confirmation of the corrections to my credit report. 

The continued reporting of inaccurate and fraudulent information is causing harm to my creditworthiness and overall financial well-being. I have complied with my responsibilities as a consumer by promptly disputing these inaccuracies, and I now ask for regulatory intervention to ensure XXXX  upholds its obligations under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IN

Complaint narrative:
I saw that I was had a collection against me on my credit report from Jefferson capital and I didn't know what it was from until i seen it was for a XXXX account and I returned the phone I received from XXXX the same day and was refunded the money and the account should have been closed and I haven't had any other contracts with XXXX or any cell phone company besides this one so I need Jefferson capital to take this off my credit report because I don't owe them or XXXX XXXX cent thank you...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
Portfolio recovery attorney sent me documents twice with XXXX different docket numbers that were incorrect or invalid in an effort to extort money. First attempt was in XX/XX/XXXX and now again XX/XX/XXXX. The current attempt to attach wages indicates a docket number from back in XXXX that when looked up indicates a closed status I dont know what this is or what kind of scam they are trying g to pull, but they need to be stopped. I am a XXXX XXXX XXXX XXXX  living in a fixed income and this is not only frustrating, but considered harassment. They continue to violate my consumer rights. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
Trans Union continues to publish incorrect data even when XXXX  and XXXX  have rightly corrected their reporting

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 2025-09-08 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:
A formal dispute of inaccurate and unverifiable entries currently listed on my TransUnion credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a reinvestigation of the items outlined below and their removal within the required 30-day period as mandated by federal law.

After thoroughly reviewing my credit file, I identified the following items that are either completely inaccurate or not associated with me in any way : 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

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 2025-09-08 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report that are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These late payment ( s ) are effecting my credit report and score. It's causing a disrupting burden to my family. It's really effecting our lively hood and severely causing a drastically struggle. There's kids and babies involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AL

Complaint narrative:
My Transunion Information was breached in the XX/XX/year> data breach.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Transworld Systems Inc ( TSI ) Re : Request for Debt Validation Dear Transworld Systems Inc ( TSI ), I am requesting that you provide validation of the alleged debt you claim I owe, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Specifically, please provide the following : 1. The amount of the alleged debt, including an itemized accounting of fees, interest, and other charges.

2. The name of the original creditor, along with their address and contact information.

3. Documentation that verifies I am legally obligated to pay, such as a copy of any signed contract or agreement.

4. Proof that you are licensed to collect debts in my state.

5. The chain of custody/assignment showing you have the authority to collect this debt. 
Until you provide proper validation, you must cease all collection activities, including reporting to credit bureaus, as required under federal law. 
Please be advised that I am keeping records of all correspondence regarding this matter. Failure to provide the requested information will be considered a violation of the FDCPA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
XX/XX/year> had totally lost car and still charge me after cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-09-08 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: Kriya Capital, LLC
State: CA

Complaint narrative:
In XXXX  and ongoing I've had my account illegally used under the dark web and data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
Re : Method of Verification Request Account : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX To Experian, I am writing under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) 611, 15 U.S.C. 1681i, to formally request the Method of Verification regarding the above-referenced account on my credit report.

I previously disputed this account as inaccurate, yet your investigation response stated it was verified as accurate. However, the data being reported is clearly inconsistent and unverifiable across the three major credit bureaus : High Balance : XXXX  & Experian report {$11000.00}, while Equifax reports {$3400.00}. 
Date of Last Activity : XXXX  reports XX/XX/XXXX, Experian reports XX/XX/XXXX, Equifax reports XX/XX/XXXX. 
Closed Date : TransUnion lists XX/XX/XXXX, while Experian and Equifax list none. 
Creditor Remarks : Each bureau shows different remarks ( Charged off/ Repossession/ Redeemed vs. Unpaid balance reported as a loss ). 
Last Payment : XXXX  XXXX Experian show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
Payment History : TransUnion shows None Reported, Experian shows multiple late marks in XXXX, and Equifax shows late marks ending in XXXX. 

These contradictions demonstrate that the information you are furnishing is inaccurate and incomplete, which is a direct violation of FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy.

Accordingly, I demand the following under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : 1. The name, address, and phone number of the party ( ies ) with whom you verified this account. 
XXXX. A detailed explanation of the procedure used to verify the information. 
XXXX. Copies of all documentation provided by the furnisher that you relied upon to verify this account. 

If you can not provide proper verification, you are required by law to delete this account from my credit file immediately. 

Please respond within the legally required XXXX business days. Failure to comply will leave me no choice but to escalate with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal remedies for violations of my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XX/XX/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 2025-09-08 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 am filing this complaint as a concerned consumer after reviewing my credit reports and discovering multiple issues involving inaccurate reporting, inconsistent account data, and unauthorized inquiries. These errors are causing harm to my credit profile and, I believe, violate provisions of the Fair Credit Reporting Act ( FCRA ) and the CARES Act. 

Inaccurate Address Information : There are addresses listed on my credit report that are incorrect and not associated with me. These are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Accounts Reporting Inaccurately : I identified closed accounts with a {$0.00} balance that continue to report late payments and show inconsistent last activity dates, especially when cross-referenced between different credit reporting agencies. The accounts of concern are : 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 Conflicting Last Activity Dates : XX/XX/XXXX and XX/XX/XXXX Each of these accounts is marked as resolved and closed, but the continued reporting of derogatory payment historyalongside conflicting datesraises concerns of incomplete and inaccurate data being furnished. Additionally, there are discrepancies in how these accounts appear across different credit bureaus, which further questions the integrity of the reporting. 

Unauthorized or Questionable Inquiries : I also dispute the following hard inquiries, which I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under FCRA 604 ( a ) ( 3 ) ( A ) and 1681b ( f ), inquiries must be made with a valid permissible purpose and proper consumer authorization. I request these be investigated and removed if they can not be verified as authorized. 

Applicable Consumer Protections : Under CARES Act 4021, which amended FCRA 623 ( a ) ( 1 ), furnishers were required to report accounts as current if the consumer was current before receiving a XXXX accommodation. If any of the late payments occurred during such an accommodation, they must be removed. 

Additionally, FCRA 611 ( 15 U.S.C. 1681i ) guarantees my right to dispute any incomplete or inaccurate information and to have it corrected or deleted within 30 days. If the information can not be verified, it must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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 filing this complaint as a concerned consumer after reviewing my credit reports and discovering multiple issues involving inaccurate reporting, inconsistent account data, and unauthorized inquiries. These errors are causing harm to my credit profile and, I believe, violate provisions of the Fair Credit Reporting Act ( FCRA ) and the CARES Act. 

Inaccurate Address Information : There are addresses listed on my credit report that are incorrect and not associated with me. These are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Accounts Reporting Inaccurately : I identified closed accounts with a {$0.00} balance that continue to report late payments and show inconsistent last activity dates, especially when cross-referenced between different credit reporting agencies. The accounts of concern are : 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 Conflicting Last Activity Dates : XX/XX/XXXX and XX/XX/XXXX Each of these accounts is marked as resolved and closed, but the continued reporting of derogatory payment historyalongside conflicting datesraises concerns of incomplete and inaccurate data being furnished. Additionally, there are discrepancies in how these accounts appear across different credit bureaus, which further questions the integrity of the reporting. 

Unauthorized or Questionable Inquiries : I also dispute the following hard inquiries, which I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under FCRA 604 ( a ) ( 3 ) ( A ) and 1681b ( f ), inquiries must be made with a valid permissible purpose and proper consumer authorization. I request these be investigated and removed if they can not be verified as authorized. 

Applicable Consumer Protections : Under CARES Act 4021, which amended FCRA 623 ( a ) ( 1 ), furnishers were required to report accounts as current if the consumer was current before receiving a XXXX accommodation. If any of the late payments occurred during such an accommodation, they must be removed. 

Additionally, FCRA 611 ( 15 U.S.C. 1681i ) guarantees my right to dispute any incomplete or inaccurate information and to have it corrected or deleted within 30 days. If the information can not be verified, it must be removed.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
erroneous charges, out date processing. putting holds on my funds with no recording of pending transactions. causing me overdraft fees. supposed updating of system with no one representing XXXX. bank give accurate information. i was just charged {$200.00} for transactions that supposedly happened XXXX weeks ago. they also charged it to a closed card in the images uploaded you will see in red that it says there is a hold for transactions that are unaccounted for and now when i look at the mobile application it has been removed as if it was never there

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