vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NH

Complaint narrative:
I was recently contacted by XXXX XXXX caliming that we owed {$900.00} for a device leased through XXXX mobile. We requested proof of debt along with a Serial/IMEI number. They claimed that they would send us the XXXX XXXX XXXX from sprint that they had on file. Unfortunately all they provided a bill dated XX/XX/year>- XX/XX/year> without any Serial/IMEI number. 

The phone/plan/lease in question was bought out by tmobile, we traded XXXX the device in question to them and we upgraded to a new phone on their service. 
XXXX also released the phone number which couldn't of been done without the account being closed out/debt free At this point I've come to believe this was either a mistake on Tmobile/Sprints end ( which we conveniently can not contact XXXX due to being out of business ) or a blatant scam ( the debt is well over XXXX XXXX XXXX ) The cell phone number, email and mailing address related to the sprint bill has not changed. I have to assume sprint would've been in contact via email, XXXX postal or by phone if this debt was legitimate. 

Thanks for reading such a long drawn out message, we've tried to provide all of this information to XXXX XXXX on numerous occasions in which we were told that ( it's not their problem and it doesn't matter what proof we have to support the debt not being owed ) I am including the XXXX XXXX email which lists the Device/serial number and IMEI Sprint/Jefferson Capital claims we owe XXXX XXXX 

We also have a reciept from XXXX detailing that the device was purchased from sprint, the pdf scanned file was too large to be provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
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. 

XXXX CARD - XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems is reporting an alleged XXXX XXXX debt of {$880.00}. I formally disputed this account and demanded validation. They have failed to provide any legally sufficient proof that this account belongs to me. No signed agreement, no original contract, and no billing records have been produced. Instead, they rely on a generic summary, which is not proper validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite failing to validate, Jefferson Capital continues reporting this account to the credit bureaus. In addition, they have not properly updated the account as disputed. This is a direct violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Their continued reporting of an unvalidated debt is unlawful and is materially damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I bought XXXXXXXX XXXX from an XXXX ad company and they didnt fit well. I requested an exchange and the company asked me to pay additional money to a random XXXX account and to send my XXXX information for them to process this. I thought that this was very shady and asked for a refund, and they refused stating that sale items are not refundable even though that was never stated anywhere and their entire website was basically on sale. 

Vendor confirmed receipt of returned items, never sent me additional items, and thats it. 

I contacted Apple Card to investigate in XXXX of XXXX, and this has been going on since then ( XX/XX/XXXX as of this complaint ). Ive spoken to Apple/GS numerous times and they never have any updates or additional information, talking to them never yields any results outside of being told to wait. Upon waiting, they randomly closed my dispute and then i had to reopen it, once again starting the 90 day window again and restarting this process. 

10 months later, theres no update STILL. Tremendously frustrating experience with Apple Card/GS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN: XXXX XXXX To:RENTDEBT AUTOMATED COLLE XXXX XXXX XXXX XXXX XXXX XXXX Re: Identity Theft Blocking Request under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally request the blocking of fraudulent information appearing on my credit file pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act (FCRA). I am a victim of identity theft, and the following accounts do not belong to me and must be permanently blocked and removed: RENTDEBT AUTOMATED COLLE  XXXX As required under the law, I am providing the following supporting documentation with this letter: 1. FTC Identity Theft Report (as permitted under federal law, this satisfies the requirementno police report is required). 2. Copy of my government-issued identification. 3. Copy of my Social Security card. 4. Proof of my current address (utility bill, bank statement, or similar document). Under 15 U.S.C. 1681c-2(a), you are obligated to block and delete all information resulting from identity theft within 4 business days of receipt of this request and the accompanying documentation. Please send me written confirmation once these fraudulent accounts have been blocked from my credit file. I further demand that you notify the furnishers of this fraudulent information that the accounts have been removed, as required by law. Failure to comply with this request will constitute a violation of the Fair Credit Reporting Act, and I will not hesitate to exercise my rights under federal law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a formal complaint against Capital One Bank regarding locked accounts for both of my sons. For over XXXX weeks, I have been unable to get resolution through Capital Ones customer service, despite multiple phone calls, document submissions, and escalations. 

Summary of the Issue My XXXX son, XXXX XXXX XXXX ( XXXX XX/XX/XXXX XXXX, had his date of birth entered incorrectly on his Capital One profile. This caused his account to be locked as though he were XXXX or older. I submitted his state ID through the link provided by Capital One, but it was rejected. I was repeatedly told that I would be emailed a form to upload documents, but the form has never been sent. 

My adult son with special needs, XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), also has his account locked. I have already submitted all required documents for him, but each time I call I am told to wait another XXXX business days. Weeks have passed without any progress or resolution. 

Customer Service Failures I have spent hours on the phone during work hours, often more than XXXX hours at a time, with no result. 

XXXX agent ( ID XXXX ) was polite and tried to help, but the form to upload documents was never delivered to my email ( XXXX ). 

Another agent ( ID XXXX ) blatantly refused to speak with me, which I found unprofessional and unacceptable. 

Despite repeated promises, I have not been given a reliable way to confirm or resubmit documents, and both accounts remain locked. 

Impact Both of my sons are unable to access their money. 

The lack of access is creating unnecessary financial hardship. 

Customer service has been unwilling or unable to resolve the issue after more than XXXX weeks. 

XXXX Requested XXXX Capital One to immediately provide a secure and reliable method to verify my sons identities and unlock their accounts. 

Assign a dedicated contact who can oversee this case until resolution. 

Ensure Capital One responds in writing with a clear explanation and timeline. 

All supporting documents ( including state IDs already provided to Capital One ) are available and can be supplied upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy and completeness of the information being reported on my credit file concerning the account listed as XXXX XXXXXXXX XXXX XXXX 

The account is reported as a charge-off with a past due balance of {$470.00} as of XX/XX/year>. This reporting is inaccurate, unverifiable, and misleading for the following reasons : Incomplete and Misleading Status The account is marked as both charged off and past due with a balance owed. A charge-off is considered a closed account ; therefore, it can not simultaneously be reported as an open delinquent account with a past due amount. Reporting it this way creates a double penalty and misrepresents my financial liability. 

Failure of Verification Obligations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), the consumer reporting agency is required to conduct a reasonable reinvestigation of disputed information. Unless XXXX XXXX XXXX can provide competent documentary evidence ( such as the original signed contract, full payment history, and chain of title proving ownership and authority to report this debt ), the account must be deleted.

Violation of Accuracy Requirements The FCRA ( 15 U.S.C. 1681e ( b ) ) requires Experian to follow reasonable procedures to assure maximum possible accuracy of reported information. Reporting contradictory information ( charge-off and past due balance ) violates this standard. 

XXXX XXXX This inaccurate entry is lowering my credit standing and causing unwarranted harm. The continued reporting of unverifiable and inaccurate information places Experian in violation of federal law. 

Demand for XXXX I hereby demand that this account be deleted from my credit file immediately unless the furnisher can produce complete, verifiable documentation proving the accuracy of every element of this account. Simply parroting data from a furnisher does not satisfy reinvestigation duties under the FCRA. 

Please provide me with written confirmation of your deletion or the specific documentation used to verify the account within 30 days, as required by law. 

Failure to comply will leave me no choice but to pursue remedies available under the FCRA, including statutory damages, attorneys fees, and costs.

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 2025-09-07 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: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the accuracy and completeness of the information being reported on my credit file concerning the account listed as XXXX XXXXXXXX XXXX XXXX 

The account is reported as a charge-off with a past due balance of {$470.00} as of XX/XX/year>. This reporting is inaccurate, unverifiable, and misleading for the following reasons : Incomplete and Misleading Status The account is marked as both charged off and past due with a balance owed. A charge-off is considered a closed account ; therefore, it can not simultaneously be reported as an open delinquent account with a past due amount. Reporting it this way creates a double penalty and misrepresents my financial liability. 

Failure of Verification Obligations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), the consumer reporting agency is required to conduct a reasonable reinvestigation of disputed information. Unless XXXX XXXX XXXX can provide competent documentary evidence ( such as the original signed contract, full payment history, and chain of title proving ownership and authority to report this debt ), the account must be deleted.

Violation of Accuracy Requirements The FCRA ( 15 U.S.C. 1681e ( b ) ) requires Experian to follow reasonable procedures to assure maximum possible accuracy of reported information. Reporting contradictory information ( charge-off and past due balance ) violates this standard. 

XXXX XXXX This inaccurate entry is lowering my credit standing and causing unwarranted harm. The continued reporting of unverifiable and inaccurate information places Experian in violation of federal law. 

Demand for XXXX I hereby demand that this account be deleted from my credit file immediately unless the furnisher can produce complete, verifiable documentation proving the accuracy of every element of this account. Simply parroting data from a furnisher does not satisfy reinvestigation duties under the FCRA. 

Please provide me with written confirmation of your deletion or the specific documentation used to verify the account within 30 days, as required by law. 

Failure to comply will leave me no choice but to pursue remedies available under the FCRA, including statutory damages, attorneys fees, and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
We are a registered XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On or about XX/XX/year>, we encountered a serious issue with a fraudulent Venmo account that has directly impacted our rescue.

An adopter sent us monies for the adoption of 2 dogs however, they sent the monies to the fraudulent account. We sent Venmo several emails, which remain unanswered.

Venmo should have stronger controls in place to detect and remove fake accounts. This fraudulent account should have been taken down immediately, and the funds returned at once. Neither our adopters nor our rescue should have to wait for resolution. 

Venmo failed to mitigate this risk, and as a result, these funds never reached our non-profit organization. As an organization that survives entirely on donations, this loss is deeply damaging to our mission and the animals who rely on us. 

The adopters informed us they filed a complaint with their bank, but were told it would take up to 45 days to investigate. That was on XX/XX/year>! We strongly believe the bank should have refunded the adopters immediately and pursued Venmo directly for reimbursement. Delaying repayment places an unfair burden on our rescue. 

We respectfully request that this matter be resolved urgently, with immediate reimbursement of the funds to the adopters, and stronger safeguards put in place to prevent this type of fraud from occurring again. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: IL

Complaint narrative:
I was notified when a few accounts popped up on my credit report that I did not open. I contacted the original creditor XXXX XXXX XXXX and XXXX XXXX XXXX. I requested documentation about the account, the validation letter, contract with my signature, copy of ID and anything they received to help me get to the bottom of who opened these accounts. During the time I was going through a bad divorce and suspected that my ex-husband had did this. I contacted the police the minute I found out about this. I have dispute this with all the bureaus and Equifax is still reporting this account on my credit report with no validation of the account. They are not investigating this and just taking the companies word on this. Please provide me with documentation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: IA

Complaint narrative:
INACCURATE ACCOUNTS ARE REPORTING TO MY CREDIT FILE

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been not having an equifac credit score available for years certain cards won't consider me cause no scores come up I tried again today it said to call equifax and give then code XXXX which I did they can't seem to see or tell me why I have no credit score but rep says she sees XXXX but can't tell me what it is it? Why is this company blocking my credit score? Can you please help me find out what's going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
CONTACTED # ON CC REPORTS XXXX TOLD ACCT XXXX BE DELETED AND MAILED ME COPY OF XXXX CREDIT CARD WAS ONLY FOR MEDICAL/DENTAL CHARGES. THE DENTIST MESSED UP ROOT CANAL IN XXXX. HAD TO GO TO ANOTHER DENTIST TO REMOVE CEMENT LEFT IN GUM. RECEIVED COURT CITATION XX/XX/XXXX OFFICE OF CLERK OF COURT CITY COURT OF XXXX. FILED ANSWER XX/XX/XXXX. NEXT THING I SAW WAS CREDIT BUREAU SHOWING AS CHARGE OFF ON MY CC REPORT. EVERY TIME I TRIED TO DISPUTE THIS MEDICAL CHARGE WITH COPY OF CANELED DEBT XXXX SYNCHRONY BANK NOW SAYS IT IS STILL WITH A BALANCE AND PAST DUE AMOUNT. THIS IS CAUSING A STRAIN ON MY SCORE AND MENTALLY AFTER REPEATED ATTEMPTS TO CONFIRM THE MEDICAL CHARGES ARE CANCELLED AND HARMING MY SCORES AS WELL AS MY HEALTH. I AM ELDERLY AND CARE GIVER FOR XXXX YR OLD BROTHER. THIS STRAIN IS REALLY CAUSEING HARM AND HARRASSEMENT FOR CC NOT TO RECOGNIZE THE MEDICAL EXP SYNCHRONY BANK STILL SHOW AS PAST DUE AND BALANCE DUE WHEN COURTS AND CFPB STATEMENT Bans medical bills on credit reports : The rule bans consumer reporting agencies from including medical debt information on credit reports and credit scores sent to lenders. This will help end the practice of using the credit reporting system to coerce payment of bills regardless of their accuracy. Lenders will continue to be able to consider medical information to verify medical-based forbearances, verify medical expenses that a consumer needs a loan to pay, consider certain benefits as income when underwriting, and other legitimate uses. 
CAN SOMEONE CLEAR THIS CANCELED MEDICAL DEBT OFF MY CREDIT REPORTS AND STOP THE HARRASSEMENT. 
XXXX XXXX DELETED IT ON XX/XX/XXXX THEN ADDED IT BACK ON XX/XX/XXXX I WILL GO TO THE COURTS TO GET A COPY OF MY ANSWER SUBMITTED ON XX/XX/XXXX IF THAT WILL HELP.

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