vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Credit Report Dispute XXXX XXXX Dear CFPB, I am writing to dispute inaccurate and inconsistent information on my credit report from XXXX XXXX, which is reported to TransUnion, Experian, and Equifax. The details are as follows : Account Name : XXXX XXXX Reported Balance : {$310.00} TransUnion : Open XX/XX/XXXX, Activated XX/XX/XXXX, Closed, Payment Status : Collection / Charge-off, Creditor Remark : Placed for collection Experian : Open XX/XX/XXXX, Activated XX/XX/XXXX, Closed, Payment Status : Collection / Charge-off, Creditor Remark : Seriously past due/ assigned to attorney / collection agency XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX Activated XX/XX/XXXX, Open, Payment Status : 120 days late, Creditor Remark : Collection account I believe this information is inaccurate and inconsistent, particularly with account open/activation dates, account status, and payment reporting. Under the Fair Credit Reporting Act ( FCRA ), I request that the bureaus investigate this account and provide written confirmation of their findings. If the account can not be verified accurately, it must be corrected or removed from my credit report. 

Please respond in writing within the legally required timeframe. I have included a copy of my credit report highlighting the account in question. 

Thank you for your prompt attention. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

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 2025-12-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX confirmed deletion of a {$6000.00} authorized-user account ( case XXXX, closed XX/XX/year> ). XXXX has deleted it, but TransUnion ( and XXXX ) still show it, falsely inflating utilization. XXXX has failed to update all bureaus under FCRA 611 ( a ) ( 5 ). Delete this tradeline immediately from all three bureaus.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX and the reporting of an auto loan account. The negative status of this account resulted from dealership misrepresentation and circumstances outside my control. 

At purchase, the dealership stated that I had full extended warranty coverage. When the vehicle 's engine failed in XX/XX/year>, I attempted to use the warranty only to learn that I was not eligible for coverage as a second owner a fact that the dealership never disclosed. This misrepresentation left me responsible for an unexpected engine failure that rendered the vehicle inoperable and ultimately caused me to lose my job due to lack of transportation. 

Despite these circumstances, XXXX continues to report the account negatively. This reporting is harming my ability to secure federal funding for my daughter 's education and does not reflect the true cause of the delinquency. I am requesting that XXXX consider a goodwill adjustment, or that the CFPB assist in reviewing whether the continued reporting is appropriate given the dealerships misrepresentation and the events that followed.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
RE : Formal Request for Debt Validation Under FDCPA 809 ( b ) and FCRA Rights To Whom It May Concern, This letter serves as my formal request for full validation and verification of the debt ( XXXX ) you allege I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 809 ( b ), and the Fair Credit Reporting Act ( FCRA ). 

I DO NOT acknowledge, accept, or verify any alleged debt. I dispute any and all accounts you are attempting to collect. 
Additionally, I dispute ALL : Late payments Charge-offs Collections Incorrect names Incorrect addresses Incorrect employers My personal information has been compromised due to the breach, making all negative data subject to heightened scrutiny and mandatory validation. 

# # # REQUIRED BY LAW : You must obtain from each furnisher : XXXX. Original signed contract XXXX. Full accounting history XXXX. Chain of custody of the debt XXXX. Proof of legal right to collect XXXX. Proof that reporting is accurate and not impacted by the data breach If you can not validate * * every * * item with documented evidence, you MUST delete the account ( XXXX ) immediately under 1681i. 

Please provide written confirmation once the reinvestigation is completed and all inaccurate information is removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The incorrect information currently being reported on my credit report is causing substantial negative consequences. These inaccuracies have led to higher interest rates, hinder my ability to secure job opportunities, and impact on major life decisions such as purchasing a home. In essence, these discrepancies are severely affecting my creditworthiness. The accounts in my attached letter are not accurate, and I demand their immediate removal. 


I demand that you immediately delete the inaccurate accounts from my credit report. Please note that I am submitting these disputes on my own behalf, and not through any third-party company. These disputes are not made in error, and I expect prompt action to rectify this situation.

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 2025-12-02 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: WI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2025-12-02 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: EQUIFAX, INC.
State: WI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am requesting a reinvestigation into several accounts and inquiries on my TransUnion credit report. As a consumer trying to fix my credit, I want to ensure every item reported is accurate and compliant with the FCRA. 

Charged-Off Accounts in Dispute 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 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank has been charging me XXXX XXXX monthly checking account fee even though I requested that my account be converted back to a free checking account. At XXXX point in XXXX of XXXX, my balance was a lot higher due to sell of a home. I received a call from XXXX asking if I would like to convert to a high yield account due to my increased balance and receive " benefits '' like more percent interest payments paid to me. I then used that money to buy a house and the funds in my checking account dropped back to original amounts so then {$25.00} fees began to be taken by Huntington Bank. This began in XXXX of XXXX. I reported the issue multiple times between XXXX and XXXX of XXXX, both by phone and in person at branches. 

I spoke with customer service several times, and I visited a branch at least once ( or more ) and they refunded me {$25.00} and told me they could not refund more than that. They promised the issue would be referred to the complaint dept. and I'd get a call. I was told this XXXX different times, but I got no call. I did notice that out of my calculated {$220.00} they took in fees, I was reimbursed a total of {$75.00} ( that includes the {$25.00} I was granted by XXXX banker inside a branch ). 

I had to call again today to finally talk to a XXXX named " XXXX '' on XX/XX/XXXX who said " the complaint dept. has decided no more money is allowed to me '' even though the fees resulted from the bank 's failure to convert my account after multiple requests from me to remove the fees and also to give me back a free account ( I was told at least XXXX different occasions beginning in XXXX of XXXX that my checking account would be changed back to free-and it wasn't changed at all between XXXX and XXXX ). I do not even have any confidence it has been changed back to a free account at this very moment! XXXX could very well just continue to keep my account marked as the type to take XXXX XXXX monthly even though I have tried and tried to get them to fix this! I won't know until I see this month in XXXX if they AGAIN take my money right out of my account. I would pull all my money today from XXXX if it was that easy to do that with a bank account that is connected to so many important payments I need made. I don't trust this bank anymore, but I feel stuck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems LLC, who is reporting a collection account on my credit report that is unverified, inaccurate, and incomplete. 



XXXX. Failure to Provide Required Validation ( FDCPA 1692g ) I requested proper validation of the alleged debt from Jefferson Capital Systems. 
They failed to provide : A copy of the original signed contract, A detailed itemized accounting, Proof that Jefferson Capital owns or has legal assignment of the alleged debt. 

Instead, they provided generic, incomplete information that does not satisfy federal validation requirements. 



XXXX. Reporting Information That Can not Be Verified ( FCRA 623 ) Jefferson Capital is furnishing data to the credit bureaus that is : Not fully verified Possibly inaccurate Incomplete Continuing to be reported even after a formal dispute This violates FCRA XXXX ( a ) ( XXXX ) ( A ), which requires furnishers to report only accurate and verifiable information and to correct/delete data that can not be validated. 



XXXX. Continued Reporting During a Dispute ( FCRA 611 & FDCPA ) Once disputed, they must : Investigate Validate OR delete the account Jefferson Capital failed to provide proper investigation and continued reporting without full verification. 



XXXX. Harm Caused Due to their actions, I have suffered : Lower credit scores Denied credit/financial opportunities Emotional and financial stress XXXX. Requested Action I respectfully request that the CFPB investigate and require Jefferson Capital Systems to : XXXX. Provide a full and complete validation of the alleged debt, including the original contract and itemized account history ; XXXX. Provide proof of assignment/ownership ; XXXX. Delete the account from all credit bureaus if validation can not be produced ; XXXX. Cease all collection activity until proper validation is completed. 

I am attaching supporting documentation, including dispute letters, responses, and credit report screenshots showing the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for the new card in XXXX and have not been able to use it consistently since. I've tried using it for a purchases and it has been declined. I got this card for a specific purchase and when I was not able to use my card for it, I called the bank yesterday and spent XXXX on the phone being passed around to XXXX people who ultimately could not help me. It is still restricted today and I still can not make the purchase. This is a premium card which charges XXXX XXXXXXXX for premium benefits. I asked for compensation and they were not able to provide any kind of credit or compensation for my time.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: CA

Complaint narrative:
This RFGI ( Rozlin Financial Group, Inc ) XXXX sent me a letter claiming I owe their client XXXX XXXX XXXX Advisors over $ XXXX and that I signed a contract with them XX/XX/XXXX. However, the Company they say I signed the contract on it's behalf was BANKRUPTED in XXXX, XXXX XXXX. I sent them a copy of the final paperwork from the state of Bankruptcy. 
They turned it to the credit bureau which damaged my credit from XXXX down to XXXX! 
I think it is a scam and I want this corrected and put back my status of excellent credit!

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 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On the XX/XX/year> after talking over the phone with the sales lady about the vehicle and already had a pre-qualified voucher from XXXX XXXX could she start the paperwork and I would come in the next business day which is Monday.she said sure it thought that was it until Monday I get call back asking for a upload of my driver 's license it did that then I get another call saying they blurry and could I come in so I don't like at night and I have my night clothes on but she insisted so i said I hope I'm not coming nothing she said we ( we ) got it ready for you well I made there safely I met sale lady we sat at her booth she was going bac wek and forth with papers I was aware of the ( as is ) we got to insurance company papers I put lien holder XXXX XXXX on problem didn't know financial manager had requested a loan from Exeter financial without my consent are knowledge after signing some paperwork I was not giving the paperwork only a USB flash drive I thought he giving me a key chain for doing business I my wife what is it she that flash drive you stick a computer? I don't have a computer just a tablet with no plug-in order adapter which arrived XXXX later so my wife plugged in and what saw was unsigned documents and XXXXXXXX XXXX  wasn't involved but loan from Exeter financial XXXX XXXX interest XXXX XXXX XXXX XXXX The interest is the same as the vehicle price over XXXX dollars went to dealership talk the financial manager to let him know this is wrong and if had paperwork in my hands physically I would never agree to this and you know it wrong so went to pulling paperwork from his computer saying you signed theses I believe in my heart they were forged I I'm going to leave the car and keys he said if you do we have it towed and impounded at your expense this was on XX/XX/year> I arrived early to give everyone time to be were there position was it was about XXXX am so I left came back home and called Exeter financial that I didn't request a loan from Exeter financial and I took the car back but was turned away they said they should have taken the vehicle back. At this point IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX old that was taken advantage of never thought I would be here stress out over vehicle I lost XXXX older brothers to stress trying to fix other people problems and I don't know how much more I can take I'm not asking for no money I just want this fix so no other senior citizens go through this is hurtful to think a Major dealership would allow this to happen just know I my not be last senior citizens that'll taken advantage of so fix the end

Company response to consumer: Closed with explanation