vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i.

My credit reports contain multiple accounts reported inaccurately, incompletely, and inconsistently. These include accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. I have printed and highlighted the discrepancies, which include but are not limited to : Duplicate reporting of the same accounts under different account numbers or with slightly altered identifiers.

Contradictory balances across bureaus ( e.g., one bureau reporting {$7800.00}, another {$2300.00}, another {$2100.00} for the same XXXX XXXX account ). 

Conflicting account statuses, such as Open with one bureau and Closed or Collection/Chargeoff with another.

Different dates of last activity and last payment for the same account, creating a misleading impression of ongoing delinquency.

These discrepancies demonstrate that the information is not being reported with maximum possible accuracy as required under 1681e ( b ) and that the bureaus failed to conduct a reasonable reinvestigation under 1681i ( a ). Under 1681i ( a ) ( 5 ) ( A ), any information found to be inaccurate, incomplete, or unverifiable must be deleted, not verified as is.

I request that the CFPB require Experian, Equifax, and TransUnion to : Permanently delete all tradelines that contain inconsistent, unverifiable, or contradictory information across bureaus, including but not limited to the accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Provide written confirmation of the deletions. 

Ensure that these deleted accounts are not reinserted into my credit reports unless the furnisher provides full documentation that resolves all discrepancies and complies with the FCRA.

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 2025-09-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Cease and Desist Demand To Whom It May Concern, I am writing to formally demand that Transworld Systems Inc. immediately cease and desist all communications, collection activities, and any other related actions directed towards me concerning the alleged debt referenced under account number [ Insert Account Number ], as these actions are unwarranted and violate my rights under applicable laws. 
Debt was not validated. I did not have any business with you, I need the validation of the debt by providing me with a purchase agreement that I can see that you own the debt and that I own the debt, I want to see a breakdown of the charges and fees interest or anything associated with how you came up with the amount that I owe you. I still want the original creditors name and address. Not a copy of a billing statement. A PURCHASE AGREEMENT I demand that you : 1. Immediately stop all collection efforts related to this matter. 
2. Cease all phone calls, letters, emails, or any other form of contact with me.

3. Confirm in writing within 10 business days that you have complied with this demand.

Please be advised that if Transworld Systems Inc. fails to comply with this cease and desist request, I will not hesitate to pursue all available legal remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Consumer Protection Division of my state attorney generals office, and potentially pursuing legal action for harassment or violation of the Fair Debt Collection Practices Act ( FDCPA ). 
This letter serves as a final warning to avoid further legal consequences. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX  and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

XXXX. XXXX Account Number : 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 2025-09-25 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MO

Complaint narrative:
Hello, my name is XXXX XXXX, and I am reaching out regarding my consumer file. 

I have reason to believe that my personal information was compromised due to the recent TransUnion data breach. This raises serious concerns under the Fair Credit Reporting Act ( FCRA ), as it indicates a failure to maintain reasonable procedures to ensure the maximum possible accuracy and confidentiality of consumer data. 

Pursuant to my rights under FCRA 602, 607, 611, and the Gramm-Leach-Bliley Act, I am formally requesting the immediate deletion of any accounts, inquiries, or records that can not be fully and independently verified at the furnisher level. 

Please be advised that this failure to comply with this request has resulted in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), and eventually the Federal Trade Commission ( FTC ), and the Office of the Attorney General. 

Can you confirm that you will conduct an investigation and promptly remove all unverifiable items from my report? Verifiable means all accounts can provide original contracts with my wet signature. If they or you can not, please remove from 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 explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
I am filing this complaint against Apothaker Scian, P.C., who have acted unprofessionally and violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in relation to a debt they claim to collect on behalf of a creditor.

I was never properly notified of any legal action taken against me, and to this day have not received a single letter, phone call, or communication from Apothaker Scian prior to discovering they had filed a judgment against me. This is an unfair and deceptive practice, as I was denied the opportunity to validate or dispute the alleged debt in a timely manner.

Upon contacting Apothaker to attempt resolution, I was met with continued unprofessionalism. I was sent a payment plan agreement via email however, it was sent after the first payment was already marked due, making the arrangement automatically invalid through no fault of my own. When they called me and I tried to ask for clarification, validate the debt and payment plan letter I was sent, I was abruptly hung up on, and no one followed up. 

When I reached out to request debt validation, they failed to provide any original signed contract, proof of chain of title, or documentation showing legal assignment of the debt to them. Under 15 U.S.C. 1692g, they are required to provide this information before continuing any collection efforts or pursuing litigation.

I was unaware of this judgment until it appeared on my credit report, which has caused severe damage to my credit profile, and continues to negatively impact my financial standing and opportunities. It is unacceptable for a law firm to operate in this manner, failing to serve proper notice, and denying me the right to dispute or defend myself. 

This entire situation has resulted in harm to my credit, stress, and a judgment that I was never given the chance to respond to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
I am submitting this complaint to dispute a false late payment reported by XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, on my credit report. This information is inaccurate and has negatively impacted my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incomplete or inaccurate. Specifically : 15 U.S.C. 1681i requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice 1.

If the information can not be verified, it must be deleted from the credit report.

Additionally, 15 U.S.C. 1681e ( b ) mandates that CRAs must follow reasonable procedures to ensure maximum possible accuracy of the information they report 1.

I have already contacted the credit bureau and the furnisher, XXXX XXXX, to dispute this late payment, but the issue remains unresolved. I am requesting the CFPB to : Investigate the reporting practices of XXXX XXXX regarding this account. 
Ensure compliance with the FCRA and that the disputed late payment is either verified with supporting documentation or removed.

Confirm that no further harm is done to my credit profile due to this inaccurate reporting.

Thank you for your attention to this matter and for protecting consumers from inaccurate and harmful credit reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submit this complaint regarding false, inaccurate, or misleading information being reported by Experian and XXXX XXXX, and their failure to correct or reasonably reinvestigate my dispute as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Experian is reporting a late payment / derogatory credit mark that is incorrect, and despite my formal dispute, has not reversed or updated it. 
XXXX XXXX ( a background check / consumer reporting agency ) has produced or distributed a background report containing incorrect information ( e.g. misattributed criminal records or other adverse information ) which has harmed me ( e.g. caused a job offer to be rescinded ).

Both companies failed to follow the FCRAs reinvestigation and accuracy requirements, and ignored my dispute efforts.

2. Relevant Legal Authority & Cases I rely on the following statutory and judicial authorities : Statutory Basis FCRA 15 U.S.C. 1681i ( a ) When a consumer disputes the completeness or accuracy of information, the credit reporting agency must conduct a reasonable reinvestigation within 30 days.

15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they publish.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Furnishers of information ( like loan servicers or background data providers ) must not report information they know or have reason to believe is inaccurate. 

Judicial Precedents XXXX XXXX Experian Information Solutions , Inc. ( XXXX XXXX. 2015 ) : The Court held that a consumer need not prove that the incorrect information was published to a third party to recover actual damages under 1681i ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The plaintiff alleged that XXXX XXXX willfully and negligently violated the FCRA by including incorrect criminal record data and failing to employ reasonable procedures to assure accuracy.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of a collection account that appears on my credit report. The account in question is listed as : Collection Agency : Jefferson capital Account Number : XXXX don't have the full account number I do not recognize this debt and request that you provide proper validation under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : The name and address of the original creditor The date of the alleged debt and amount owed Documentation bearing my signature that proves I am legally obligated to pay Until this debt is validated, I request that you cease all collection activities and not report or continue reporting this item to the credit bureaus. If this debt is not validated, I request that it be removed from my credit report immediately. 
Please respond to this request in writing within 30 days of receiving this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am the account holder. Capital One is playing games by refusing to communicate or resolve my complaint. They keep labeling me as an unauthorized third party, which is false. 

I have already authenticated myself multiple times : By going through CFPB to file this complaint. 
By submitting police reports, fraud documents, and even Capital Ones own bank statements showing the fraudulent charges. 
By returning documents Capital One sent me when the fraud was active. 
By calling Capital One directly and attempting to authenticate with my Social Security number, only to be redirected to XXXX. 
By even going into a Capital One branch with my passport during the height of the fraud. 

These steps clearly prove I am not a third party. Despite this, Capital One refuses to acknowledge my authentication and instead continues to redirect me to XXXX, who says they are not Capital One. This circular deflection has damaged me financially and emotionally. My credit is harmed to the point I was denied an auto insurance quote. This situation is affecting me mentally and physically. 

I have attempted multiple times through CFPB, but my cases keep getting closed with no resolution. I need this case to remain open until there is full resolution, and I want a direct, open line of communication so I am not shut out again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
My Fifth Third Bank account was suddenly closed without my knowledge leaving me wondering what happened in confusion. I didn't realize that there was an issue until XXXX of 2021. This identity theft has left me in shambles for the following years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
Equifax is inaccurately reporting a XXXX XXXX account ( Acct ending XXXX ) as Closed with Balance {$230.00}. This tradeline was already removed from my XXXX credit report after dispute because XXXX unlawfully sold/assigned the balance, violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). Reporting it on Equifax while deleted elsewhere is false, incomplete, and inconsistent across nationwide CRAs. I am demanding permanent deletion of this tradeline from Equifax and confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I requested validation of this alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). The creditor/collector has not provided any supporting documentation proving that I am legally responsible for this debt ( such as a signed contract, account statements, or proof of ownership of the debt ). Reporting this account to the credit bureaus without proper validation is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
all I want is my address, name and birthday updated correctly. No one has been able to update my personal information. Update this info now!

Im requesting immediate correction of inaccurate and/or outdated personal identifying information currently appearing on my consumer credit file. My credit file currently contains personal information that is incorrect, incomplete, or outdated and this is harming my ability to obtain credit and other services.

This is my right to pursue legal remedies for willful or negligent noncompliance under FCRA 616617 ( 15 U.S.C. 1681n1681o )

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
* * Complaint Against : JPMorgan Chase Bank , N.A . ( Chase Credit Card Services ) * * I am filing a complaint regarding Chase Credit Card Services handling of a promotional offer, which I believe constitutes unfair and misleading business practices. 

On XX/XX/year>, I placed an order for a XXXX product totaling {$650.00} ( $ XXXX + redeemed points ) through the Chase Store, with the expectation of receiving a promotional offer of XXXX XXXX {$180.00} statement credit for purchases of {$450.00} or more XXXX XXXX The promotion was valid until XX/XX/year>. 

Due to XXXX shipping delays ( a Chase Store partner ), my order did not ship until XX/XX/year>, and the charge did not appear on my credit card statement until that date. On XX/XX/year>, I proactively contacted Chase Store support and specifically asked whether the promotional credit would still be honored if the order shipped late. I was assured by the representative that XXXX XXXX as long as the order was placed before the expiration date of XX/XX/XXXX, the promotional credit would apply and any adjustment would be made XXXX XXXX 

However, after the charge posted on XX/XX/XXXX, Chase refused to honor the {$180.00} credit on the grounds that the transaction was dated past the expiration date of the offer. This decision ignored both the fact that I placed my order well before the expiration date and the assurance given by Chases own representative. 

I consider this to be * * consumer deception and unfair denial of a valid offer * *. The loss was not due to my actions, but due to Chases partner XXXX who delayed the shipment. Chase failed to make the consumer whole despite their representatives prior guarantee.

* * Resolution Requested : * * - Honor the {$180.00} statement credit as originally promised in the promotion.

- Ensure that in the future, customers are not penalized due to merchant or shipping delays when the order is placed in good faith within the promotion period. 

I request prompt resolution of this complaint, as Chases refusal to honor its promotional offer has caused financial loss and eroded trust.

Company response to consumer: Closed with explanation