vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am writing to formally dispute inaccurate information being reported on my Experian credit report regarding two accounts from XXXX XXXX XXXX XXXX. 

one account Reporting a balance of {$48000.00} with an opening date of XX/XX/year>. 
-the second account Reporting a balance of {$11000.00} with an opening date of XX/XX/year>. 
This accounts are listed as charge-offs/collections, which I believe to be inaccurate, outdated, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), I request that Experian conduct a full investigation into these accounts and provide proper validation of this debt or remove it entirely from my credit report.

Please provide me with : - The name and contact of the original creditor - A detailed payment history - Copies of any signed agreements or documentation that verify the accuracy of the debt If you can not validate this information within the legally required time frame, I respectfully request that you remove this account from my report entirely.

This dispute is submitted in accordance with the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i : Requires credit bureaus to investigate disputed information. FCRA 15 U.S.C 1681s-2 ( b ) : Requires furnishers of information to investigate and correct inaccurate information. FCRA 15 U.S.C 1681e ( b ) : Mandates credit bureaus to maintain accurate and up-to-date information.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C 1692g : Grants consumers the right to dispute a debt and request validation from debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Your company is reporting inaccurate, obsolete, erroneous, and misleading items on my credit report that have caused me much stress, mental anguish, and economic harm. 
This has caused injury to me as I am unable to obtain credit solely because of the failures you have caused because you have not followed proper procedures to make sure that everything on my consumer report is accurate.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint to report that [ Company Name ] has taken adverse actions against me in violation of the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ). 

Summary : Shortly after being approved for a credit limit increase, synchrony bankclosed XXXX of my credit card accounts without notice or justification, citing only vague language : indicative high risk to pay. This action has severely damaged my credit profileimpacting my utilization, score, and account history. 

I am currently on temporary XXXX income, which I believe was used against me in their decision. No other change in my financial status or creditworthiness occurred. I have an established payment history and my income, though temporarily through XXXX, remains sufficient. 

Violations I Am Reporting : XXXX. Failure to provide a proper Adverse Action Notice as required by : XXXX ( XXXX XXXX. XXXX ( d ) ) FCRA ( XXXX XXXX. XXXX ) Regulation B ( XXXX C.F.R. XXXX ) The company provided only vague reasoning with no supporting documentation and failed to clearly identify the reasons for closure. 
XXXX. Possible discrimination based on XXXX or receipt of public assistance, violating : ECOA / Regulation B ( XXXX C.F.R. XXXX ( a ) ) XXXX. Unfair and deceptive practice by approving a credit limit increase and then closing accounts days later, which may constitute : A violation of the FTC XXXX ( XXXX U.S.C. XXXX ) XXXX. Failure to provide information on whether a credit report or internal scoring model was used, and no notice of my right to obtain a free report, in violation of : FCRA ( XXXX XXXX. XXXX ( a ) ( XXXX ) ) Harm : Due to these actions, my credit score dropped significantly. My available credit was slashed, increasing my utilization ratio. This has impacted my financial stability and caused undue emotional and financial stress.

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 2025-07-24 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: CA

Complaint narrative:
In accordance with XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 
Pursuant to FCRA XXXX ( a ) ( XXXX ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within XXXX calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 
Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) mandates that furnishers remove any information that can not be verified. Under XXXX XXXX. XXXX, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under XXXX, willful violations may subject you to statutory damages and punitive awards. 
Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data, In light of the 2023 CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 
The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 
Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

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 2025-07-24 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: LA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remining showing on my report : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * * * * * * * * Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX * * * Balance Owed : {$3000.00}

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 2025-07-24 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: MD

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I requested from a previous rental tenant {$590.00}. Paypal processed this as a payment and deducted immediately from my account this amount. As soon as I received notification of this debit I contacted Paypal and my financial institution to notify them that this was not an authorized transaction only to be told by Paypal that there was nothing they could do I needed to contact my bank, which I did and they initiated a chargeback. I was informed by Paypal via email on XX/XX/XXXX the money had been returned to my account, this was a complete fabrication as the money was not returned and I was then contacted by XXXX from global resolutions stating that my bank was the issue. My bank provided in writing on bank letter head that they did not receive funds nor was it pending from Paypal. Now paypal is telling me that they are just responsible for providing information, not for refunding my funds. After XXXX weeks my money has still not been refunded yet I have a notice saying it was, I have contacted them and provided proof from all parties with no outcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

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 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NV

Complaint narrative:
I am writing to file a formal complaint against CREDIT CONTROL , LLC and the reporting of a fraudulent collection account on my XXXX  credit report. The account is listed under XXXX XXXX with an account number ending in XXXX and a balance of {$98.00}. 

I have never opened an account with XXXX XXXX and believe this debt is the result of identity theft or an internal billing error. I have already initiated an online dispute with XXXX, but I am now escalating this issue to your agency for further review and assistance. 

Despite my attempts to resolve this issue, the collection remains on my report, affecting my credit standing and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB investigate this matter and help ensure the account is removed immediately if the company can not provide proper documentation proving its legitimacy. 

I am attaching a copy of my ID, proof of address, and the portion of my credit report showing the disputed account. 

Requested resolution : Immediate removal of this collection account and verification process documentation from CREDIT CONTROL , LLC. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Under FCRA - Request for Investigation and Deletion To whom it may concern, I am writing to formally dispute inaccurate and unverifiable information currently appearing on my Experian credit report. This letter is a formal request under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], to investigate and delete the following items from my credit profile.

1. Account Dispute - Inaccurate Late Payment Creditor : XXXXXXXX XXXX XXXX Account # : XXXX ( Closed ) Issue : A late payment dated XX/XX/XXXX is being reported inaccurately on a closed account. I dispute this late payment as inaccurate and unverifiable. This is negatively affecting my credit score and does not reflect my Page 1 actual payment history. Please verify its accuracy and remove the derogatory mark if it can not be fully validated.

2. Inquiries- Unverified/Unauthorized Please remove the following inquiries from my report, as they were not authorized or properly verified under Section 604 of the FCRA [ 15 U.S.C. 1681b ] : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If you can not provide documented evidence of my written consent for these inquiries, they must be removed immediately.

3. Personal Information - Inaccurate and Outdated Please update and remove all incorrect personal information not associated with me : - Incorrect Names to remove : - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX Incorrect Address to remove : - XXXX XXXX XXXX XXXX XXXX XXXX I request that you update my file with only the correct and verifiable name and address.

Please conduct a reinvestigation as required under the FCRA and provide written confirmation of the outcome of each item listed. If the disputed information can not be verified, it must be promptly deleted from Page 2 my credit file.

Thank you for your immediate attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: LA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally file a complaint against Jefferson Capital LLC regarding an account that is currently appearing on my credit report as a collection/charge-off account. This information was retrieved from my XXXX  report dated XX/XX/XXXX, and is associated with : Account Number ( partial ) : XXXX Creditor Name : XXXX XXXX XXXX Original Date of Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Outstanding Balance : {$3600.00} Narrative Code : XXXX Collection Account Nature of Complaint and Legal Grounds I am requesting the permanent deletion of this account from my credit file due to the following serious legal violations : 1. Failure to Provide Complete and Verifiable Information FCRA 609 ( a ) ( 1 ) Under Section 609 of the Fair Credit Reporting Act ( 15 U.S. Code 1681g ), I have the right to request all documentation related to any account listed on my credit report. Jefferson Capital LLC has failed to provide any original signed contract, chain of title, or full account validation proving my obligation to this debt. 

Merely listing a balance and payment history without full documentary proof is insufficient under federal law. Without full verification, this account must be removed. 



2. Use of e-OSCAR System Leading to Inaccurate Reporting Violation of FCRA 611 and 623 Jefferson Capital LLC appears to have responded to disputes using the automated e-OSCAR system, which is known to rely on two- or three-digit codes rather than a manual review of disputes and supporting evidence. Courts have acknowledged that e-OSCAR does not meet the standard of a reasonable investigation under 611 and 623 of the FCRA.

This violates my right to a reasonable investigation and perpetuates the reporting of inaccurate and unverified information. Any furnisher of information is legally obligated to fully investigate disputes, not rely on automated or generic responses. 



3. Reporting of Stale Debt Beyond Limitations Possible Violation of FCRA & FDCPA This debt originated with a delinquency date of XX/XX/XXXX. Depending on the statute of limitations in my state, this debt may be time-barred from collection or reporting. Yet, Jefferson Capital LLC continues to report the debt as newly updated as of XX/XX/XXXX, which could mislead lenders and re-age the account a clear violation of the FCRA and possibly the FDCPA.

Company response to consumer: Closed with explanation