vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
Final formal notice regarding Experian 's willful noncompliance with FCRA 605B. I submitted a fully documented identity theft dispute via the CFPB on XXXX, which included an FTC Identity Theft Report, government-issued ID, SSN card, proof of address, and a full annotated copy of my Experian credit report. Experian partially complied by removing two unauthorized accounts : XXXX XXXX SERV and MACYS/CBNA. However, as of XXXX, Experian has failed to block all other identity theft-related data in direct violation of FCRA 605B ( b ) and 605B ( c ) ( 1 ), which require a consumer reporting agency to block fraudulent information within XXXX business days of receiving a valid identity theft report. The following fraudulent items still remain and must be permanently deleted : unauthorized hard inquiries from 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 XXXXXXXX. My correct address is XXXX XXXX XXXX XXXX BV XXXX XXXX CA XXXX. Experians failure to act within statutory timeframes and provide a written explanation within XXXX business days as required by 611 ( a ) ( 6 ) and its failure to maintain reasonable procedures as required by 607 ( b ) constitute ongoing violations of federal law. Partial compliance is not permitted. Under 1681n, I reserve the right to pursue statutory and punitive damages for willful noncompliance. If full resolution is not achieved by XXXX, I will escalate to the FTC, state Attorney General, and initiate litigation. This is Experians final opportunity to comply voluntarily.

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 2025-08-26 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: IL

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Company Complained About : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, XXXX, MN XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Complaint Summary Jefferson Capital Systems is unlawfully reporting and attempting to collect on a debt originally owed to XXXX XXXX XXXX. Despite my written debt validation request sent on XX/XX/XXXX, they never provided validation but continue to report this debt to credit bureaus. 


Key Violations 1. Failure to Validate Debt ( FDCPA 1692g ( b ) ) I requested validation in writing. Jefferson never responded. 
They continue collection activity ( credit reporting ) in violation of the FDCPA. 
2. False/Misleading Credit Reporting ( FDCPA 1692e ( 8 ) ) Jefferson is

furnishing information to CRAs that is inaccurate and disputed. They failed to
mark the account as disputed and continue to report without validation.

3. Failure to Investigate ( FCRA 623 ( b ) ) If I dispute through CRAs, Jefferson has a duty to investigate. They have not provided any proof or documentation. 
4. Double Reporting / Inflated Harm XXXX still reports the same account as a charge-off, while Jefferson reports it as a collection. 
This means one account is reported twice, creating false and damaging information on my credit report. 
5. Balance Inconsistencies Across CRAs XXXX reports {$15000.00} on XXXX and {$15000.00} on XXXX. 
Jefferson reports the debt separately with its own balance, inflating the total derogatories and misleading lenders. 
6. Potential Re-Aging of Debt ( FCRA 623 ( a ) ( 5 ) ) XXXX  Date of First Delinquency was in XXXX, but Jeffersons reporting suggests a later start date, illegally extending the 7-year reporting period.

Harm to Consumer My credit score and ability to obtain financing have been severely harmed by double reporting and inaccurate furnishing. 
I am being penalized twice for the same debt. 
Jeffersons refusal to validate the debt while continuing to report is willful noncompliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
This complaint is subsequent to an ongoing complaint against Synchrony Bank High Interest Savings, and is a NEW COMPLAINT, not an addendum to existing complaint # XXXX. DO NOT TREAT THIS AS A DUPLICATE COMPLAINT! IT CONTAINS ADDITIONAL INFORMATION NOT AVAILABLE AT THE TIME I FILED THE ORIGINAL COMPLAINT!!! 

I emailed Synchrony bank at XXXXl.synchronybank.XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inform them -- AGAIN -- that i have no means of accessing my account information online, as they require a US-based cell number to verify login, and that the ATM withdrawals I attempted to make on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all incurred foreign transaction fees of 1 % and ATM fees. I have documentation of Synchrony 's claims that I would be charged neither for foreign transactions. I am unable to determine the amount of the ATM fees charged because I am unable to access my account statements online. Synchrony bank has refused to respond to all of my inquiries and has refused my requests to email me my statements, as they have made no effort to find a solution to their international access problems. In addition, I have no idea what other charges or fees may have been assessed to my account because they refuse to respond to my emails. In addition, I have now spent over {$25.00} in phone charges attempting to contact Synchrony to solve these issues, and I have been unable to speak to anyone about them since my initial complaint was filed in XXXX. Synchrony 's refusals to respond to my emails or to provide my statements electronically in a manner which doesn't require a US phone number are inexcusable. Furthermore, they have not responded to my initial CFPB complaint either. 

I demand immediate action be taken against Synchrony Bank for Fraud and charging service fees on foreign transactions despite their assurances to the contrary. 

I demand an immediate written respond from Synchrony Bank!

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 2025-08-26 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:
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. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : 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 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-08-26 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: PA

Complaint narrative:
I have observed that incorrect accounts remain on my credit report and have not been removed. I am requesting a careful review of the documents Ive provided so that this problem does not cause me concern in the future.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am submitting a formal complaint regarding a collection account that I dispute : Collection Agency : XXXX XXXX XXXX Original Creditor : Synchrony Bank Account Number : XXXX In XXXX, my XXXX  account was used by my doctors office to charge for dental procedures that were not completed as agreed. The provider billed me for services including fill-ins, but much of the work was either performed incorrectly or not performed at all. Despite raising concerns about the poor quality and incomplete treatment, the charges remained on my account as though the full procedures had been properly completed. 

This situation has left me financially responsible for work that was never delivered as promised, creating both financial and personal hardship. I am requesting that XXXX  and the involved provider investigate this matter, as the charges do not accurately reflect the services rendered. It is unacceptable to bill patients for incomplete or incorrectly performed treatments, and I believe these charges should be reviewed and removed from my account.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have always made my payments promptly, and these reporting discrepancies are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXXXXXX XXXX XXXX XXXX  has continued to report inaccurate and unverifiable information on my credit profile regarding an alleged debt with XXXX XXXX XXXX. 

I sent XXXX  a certified dispute and violation letter pursuant to : FCRA 609 ( a ) ( 1 ) Request for disclosure and verification of the account FCRA 611 ( a ) Requirement for reasonable investigation of disputed items FCRA 623 ( b ) ( 1 ) Duty of furnishers to investigate disputed information 15 USC 1692g ( b ) Debt validation rights under the FDCPA XXXX XXXX  Reporting Standards Accuracy and completeness in credit reporting My letter specifically requested : Verification of the account ownership The original signed contract Itemized breakdown of the balance Chain of custody and assignment Proof of XXXXs permissible purpose to collect and report XXXX  received this dispute and failed to respond within the legally required timeframe ( 15 business days ). They provided no documentation or validation, yet continued to furnish the tradeline to the credit bureaus in violation of federal law.

Under FCRA 623 ( a ) ( 5 ) and 607 ( b ), furnishers must ensure maximum possible accuracy of information they report. XXXX has failed to comply. Their inaction and refusal to validate the debt constitutes willful noncompliance and injurious reporting. 
Additionally, under XXXX XXXX compliance, an account in dispute that lacks documentation should be marked for deletion not continued reporting. 

Although the account is listed under XXXX XXXX XXXX on my XXXX credit report, it is being collected by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is the debt collector furnishing and handling this tradeline and was the direct recipient of my Round 2 dispute letter. 
I am uploading a copy of the XXXX report where this account is still being reported, despite XXXX  failure to respond or validate. 

Furthermore, the account balance reported by XXXX  appears to be inflated with unauthorized fees and unexplained charges that were never validated or itemized, in direct violation of : FCRA 623 ( a ) ( 1 ) ( A ) requiring accurate reporting 15 U.S.C. 1692g ( b ) requiring validation of the exact amount owed XXXX XXXX Compliance Guidelines which prohibit unverifiable balance increases and improper reporting codes XXXX never provided a breakdown of these charges or proof of legal ownership and assignment, which renders the tradeline both inaccurate and incomplete under federal law. 

I am requesting immediate deletion of this account from all credit bureaus and written confirmation of removal. XXXX  failure to act lawfully should result in correction or permanent removal under federal and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I have a XXXX ( documented cognitive dysfunctions and communication barriers ) and have repeatedly asked Bridgecrest to communicate with me in writing ( email, text ) instead of by phone. My car was repossessed and I am urgently trying to work with Bridgecrest to resolve account issues and retrieve my belongings, but they refuse to provide any written accommodation and disconnect chats. if I ask for a supervisor or ADA compliance officer, Im denied access, told to call the number, and was aggressively dismissed after hours of pleading with the text support. The only options to reach anyone in the portal is through phone to customer service and text to the number for customer support.

This has directly harmed my ability to resolve my account and caused additional emotional distress. I am requesting that Bridgecrest provide written instructions for account resolution, including reinstatement/payment options and property retrieval, and allow me to handle all account matters entirely in writing. 

I have attached screenshots of chats where my XXXX accommodation was denied and my attempts to resolve the account in writing, all of which were refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: AR

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX ) and the credit bureaus for inaccurate reporting. On my credit report ( as reflected on XXXX XXXX ), XXXX is being listed as the original creditor. This is factually incorrect XXXX is a debt buyer/collection agency, not the original lender. 

By misreporting themselves as the original creditor, XXXX and the bureaus are violating : FCRA 607 ( b ) : Duty to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : My right to know the true source of the information in my file.

This misrepresentation is misleading because it creates the false impression that I originally entered into a credit relationship with XXXX, which I did not. It also makes it harder for me to identify the true origin of the debt. 

I request that the CFPB require XXXX XXXX XXXX XXXX to : XXXX. Correct the tradeline to accurately reflect that XXXX is a collection agency, not the original creditor. 
XXXX. Provide the name and information of the true original creditor. 
XXXX. Delete the tradeline if accurate correction can not be made. 

This false designation is not a minor technical error it is a material misrepresentation that affects how lenders view my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 2025-08-26 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: TX

Complaint narrative:
I formally request the removal of this inaccurate account from my credit report, as I never consented to its creation or use. Enclosed are the documents supporting my claim.

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 2025-08-26 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: Kriya Capital, LLC
State: OK

Complaint narrative:
XXXX XXXX XXXX shows a 'chargeoff ' dated XX/XX/year> when I have had NO dealings with XXXX XXXX in years ; over XXXX at least when they refused to accept my letter qualifying me for XXXXfree internet ' access program. I have the emails from the FTC granting my eligibility but XXXX refused to accept those even from the FTC so I cancell service and returned equipment at that time. NOW this pops up all of a sudden on XX/XX/year>??? I have had nothing to do with them in a decade or more so I have no idea who or what this debt is about. Plese help as I have NOTHING TO DO with XXXX.

Company response to consumer: Closed with non-monetary relief