vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Jefferson Capital Systems, XXXX, XXXX, and XXXX. An account originally from XXXX XXXX, now claimed by Jefferson Capital, was previously disputed and removed from my credit file. This account has since been unlawfully reinserted with a fraudulent 'Date Opened ' of XX/XX/2025, which constitutes re-aging. 
This conduct violates FCRA 611 ( failure to ensure accurate reporting ) and 623 ( furnisher responsibilities ). Additionally, Jefferson Capital has failed to provide validation under FDCPA 809. These repeated violations are severely damaging my creditworthiness and are deceptive in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: SC

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : 1. XXXX Account Number : XXXX 2. 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 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: ID

Complaint narrative:
I have twice contacted I.C. SYSTEM INC. AT XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX REFERENCE ACCOUNT # XXXX. They have tried to collect on a debt that I do not owe. The first debt validation letter was sent in the end of XXXX to which they sent me spread sheet with my name on it. That is all. There has never been any validation of the debt that I requested including, a complete itemized accounting of the balance, or a signed agreement or contract that allegedly created this obligation. Additionally, I cancelled the service and two more months of charges were added on. I specially disputed this fact and have not received any acknowledgment other than some random spreadsheet stating the debt is mine. On this spreadsheet there is no record of payments, no termination of services etc .. just a spread sheet of random numbers. I have asked for the last date of service on my account vs. when the billing stopped and have not received anything.

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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I opened a Citi XXXX XXXX Credit card from Citibank. 
I used it well, but suddenly credit card was temporarily locked on XX/XX/XXXX. 
They requested me XXXX form and I sent the form twice. 
But there were mistakes that I did not check in the right box. 
I tried to send again, making it right, but Citibank closed my whole account. 
I tried to reopen the account but can not make it So I called customer service and requested to refund the annual fee. 
I had 2 credit cards on my account. 
Citi XXXX XXXX Credit card charged me {$590.00} on XX/XX/XXXX, And Citi/XXXX XXXX XXXX card charged me {$99.00} on XX/XX/XXXX. 
I asked that the bank close my account forcefully. I need to get a full refund or at least a prorated refund of both annual fees, but they refused. 
I really can not understand this situation and want to fix this problem. 
Please help me. Thank you.

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 monetary relief
Consumer complaint received 2025-10-03 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:
Investigate and correct the reporting of the XXXX  account so all bureaus report it uniformly ( as Paid as Agreed ). 

Verify or delete the collections that are inconsistently reported across bureaus. 

Provide documentation of how the bureaus and furnishers verified the 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 non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement.

This is a formal complaint against TRANSWORLD SYSTEM INC a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

TRANSWORLD SYSTEM INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-10-03 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: NC

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These inaccuracies misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$10000.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened:XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Consumer Real Estate Finance Co.
State: OH

Complaint narrative:
On XXXX, I applied for a mortgage with XXXX. The loan officer knowingly included my sons XXXX XXXX XXXX XXXX ( XXXX ) benefits as qualifying income even though the benefits were set to end within 12 months. Under FHA and XXXX XXXX guidelines, income must be reasonably expected to continue for at least three ( 3 ) years to qualify. 

I specifically disclosed that my sons XXXX would end after one year. In a text message exchange dated XXXX, the loan officer acknowledged the 3-year continuance rule but still relied on the XXXX  in my pre-approval. This proves the lender knew the rule but misapplied it anyway. I have attached a screenshot of this conversation as evidence. 

Because of this negligence : My loan was denied during underwriting. 

I incurred {$590.00} for the appraisal, {$350.00} for the home inspection, and {$1100.00} in earnest money, totaling {$2000.00} in direct financial losses. 

My family is now at risk of homelessness, including my XXXX XXXX  son who requires stability and care. 

This is not a simple underwriting mistake ; it is negligent misrepresentation. The lenders actions caused me avoidable financial harm and placed my family in a vulnerable housing crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I have contacted the companies listed and even sent certified letters, yet I have received little to no helpful response. Many of the phone numbers listed are disconnected, and the companies have failed to provide the documentation that proves I authorized these inquiries, such as a signed credit application or contract. 

Additionally, I believe I am being confused with another individualspecifically, my father, with whom I share the same full name. I am the " XXXX '' ( or " XXXX '' ), and our identities are being mixed in the credit reporting system. This has caused major issues when cashing checks, opening accounts, and accessing services, and has significantly impacted my financial well-being. 

This is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the following actions be taken : Remove all unauthorized or unverified hard inquiries from my credit report. 

Correct the mixed file issue and ensure that only my credit activity appears on my report. 

Provide documentation of all reinvestigation results within 30 days, as required by law. 

Enclosed is a copy of my government-issued ID and a recent utility bill for verification purposes. Also included are screenshots or printouts of the inquiries and accounts in question. 

If I do not receive a timely and proper resolution, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information that has been reported on my credit file. After reviewing my credit report, I noticed accounts and transactions that are not accurate and do not reflect my true payment history. These false reports are negatively affecting my credit.

I request that the inaccuracies be fully investigated and corrected, and that any false or unverifiable information be removed from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ).

Please confirm in writing once this matter has been reviewed and corrected.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I requested a credit card agreement from Chase and never received one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 furnisher has reported false information to the credit bureaus in violation of FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which prohibits reporting information known to be inaccurate. Despite being notified of the error through my dispute, the furnisher continues to verify the incorrect account as accurate, without providing evidence to support their claim. This has caused ongoing harm to my creditworthiness. 
XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$380.00} 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
b'Issue Type: Gift Card  Unable to Use / No Response from Bank\n\nWhat happened:\nI purchased/received XXXX  US Bank Visa Gift Cards totaling $XXXX. All of them have failed when attempting to use. I immediately submitted claims:\n\nFaxed documents to US Bank Gift Card Customer Service on XXXX XXXX XXXX\n\nMailed supporting documents by XXXX  Priority Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX), delivered XXXX XXXX XXXX XXXX XXXX XXXXDespite these actions, I have received no acknowledgment, case number, or resolution.\n\nGift Cards in Question (Total: XXXX XXXX XXXX XXXX XXXX XXXXI made multiple attempts to resolve this issue directly with US Bank but received no response. This is unacceptable.\n\nDesired Resolution:\n\nImmediate refund or reissuance of all XXXX  cards totaling $XXXX.\n\nWritten confirmation of resolution within 10 business days.'

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing an inaccurate late payment reported on my credit file for my XXXX account ending in XXXX. My credit report shows a 30+ day delinquency for XX/XX/2024, which is incorrect. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), furnishers and credit reporting agencies must ensure the maximum possible accuracy of reported information.

The payment was made only 22 days past the due datenot 30 or moreand therefore should not be reported as a 30-day late payment. 

Due date : XX/XX/2024 Payment date ( XXXX statement ) : XX/XX/2024 XXXX XXXX XXXX statement payment posting : XX/XX/2024 Days past due : 22 ( not 30+ ) I respectfully request that you investigate this matter, correct the inaccurate reporting, and update my credit file accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am disputing multiple subscription charges made by XXXX XXXX to my XXXX XXXX account. These charges appear as ongoing subscription fees, but I did not authorize the subscription to continue for the months in question. 
I have no record or evidence of using the subscription benefits during these billing cycles, yet my XXXX XXXX was charged. Furthermore, I contacted a XXXX XXXX representative by phone and specifically requested the cancellation of the subscription. Despite this request, charges continued to be applied. 
I believe these charges are unauthorized because : I did not authorize the continuation of the subscription. 
I attempted to cancel the subscription, but my request was not honored.

The charges persisted without my use or consent.

This conduct violates 12 CFR 1026.12 ( b ) ( Regulation Z under the Truth in Lending Act ), which protects cardholders from liability for unauthorized use of a credit card and requires issuers to resolve disputes regarding unauthorized charges. 
I am requesting that these disputed subscription charges be investigated, canceled, and refunded to my account, and that XXXX XXXX provide confirmation of the cancellation of the subscription to prevent further unauthorized billing.

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 2025-10-03 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-03 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 am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX  ) has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law.

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted.

Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies

Company response to consumer: Closed with non-monetary relief