vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
Re : Formal Dispute of Inaccurate Collection Entry ( FCRA 602, 607 ( b ), 609 ( a ), 611 ( a ) ; FDCPA 807 ) To Whom It May Concern : This letter is a formal dispute of a collection account appearing on my credit report. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



The inaccurate account is listed as : Collection Agency/Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$12000.00} Date Reported : XX/XX/year> LEGAL BASIS FOR DISPUTE Under FCRA 607 ( b ), credit reporting agencies must assure maximum possible accuracy.

Under FCRA 611 ( a ), I am requesting a reinvestigation of this account.

Under FCRA 609 ( a ), I am requesting all documentation you used to verify this account.

I dispute this account on the basis that the information reported is inaccurate. I request complete documentation proving liability and accuracy.

REQUESTS UNDER FEDERAL LAW I am requesting that you : 1. Conduct a full reinvestigation of this account as required by FCRA 611 ( a ) ; 2. Provide me copies of all original documentation bearing my signature proving liability, as required under FCRA 609 ( a ) ; 3. Delete the account if it can not be verified, per FCRA 611 ( a ) ( 5 ) ; 4. Notify all other credit bureaus of any corrections or deletions, per FCRA 611 ( d ).

FAILURE TO COMPLY If you can not provide complete, verifiable evidence that this account is accurate, you must delete it.

Failure to comply with your obligations under federal law may result in : A complaint to the Consumer Financial Protection Bureau ( CFPB ) A complaint to my states Attorney General Civil action under FCRA 616617 and FDCPA 813814 I expect written confirmation of the investigation results within 30 days, as required by FCRA 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-11-14 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-14 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. 

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 2025-11-14 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: KY

Complaint narrative:
Issue : XXXX XXXX illegally sold a charged-off auto loan and caused an unlawful reinsertion on my credit report. 

Summary : XXXX XXXX reported my auto loan as charged-off prior to XX/XX/year>. A charge-off is a tax event and creditors may not sell or transfer a charged-off debt unless they reverse the charge-off with the IRS. XXXX did not reverse the charge-off. 

During my dispute with the credit bureaus, XXXX removed the account from my credit report. A few days later, the account was reinserted with a new status ( " sold/transferred '' ). I did not receive any required written notice within XXXX business days of reinsertion, and the bureaus confirmed they did not receive proper certification from the furnisher. This violates FCRA 1681i ( a ) ( 5 ) ( B ). 

XXXX and XXXX XXXX are reporting contradictory statuses ( charge-off, sold, transferred ), which is inaccurate and misleading under FCRA 1681s-2 ( b ). XXXX XXXX is attempting to collect on a debt it can not legally own due to XXXX 's tax write-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: CL Holdings LLC
State: KY

Complaint narrative:
Issue : XXXX XXXX illegally sold a charged-off auto loan and caused an unlawful reinsertion on my credit report. 

Summary : XXXX XXXX reported my auto loan as charged-off prior to XX/XX/year>. A charge-off is a tax event and creditors may not sell or transfer a charged-off debt unless they reverse the charge-off with the IRS. XXXX did not reverse the charge-off. 

During my dispute with the credit bureaus, XXXX removed the account from my credit report. A few days later, the account was reinserted with a new status ( " sold/transferred '' ). I did not receive any required written notice within XXXX business days of reinsertion, and the bureaus confirmed they did not receive proper certification from the furnisher. This violates FCRA 1681i ( a ) ( 5 ) ( B ). 

XXXX and Jefferson Capital are reporting contradictory statuses ( charge-off, sold, transferred ), which is inaccurate and misleading under FCRA 1681s-2 ( b ). Jefferson Capital is attempting to collect on a debt it can not legally own due to XXXX 's tax write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed XXXX bank accounts for XXXX business I own. Checks were deposited by branch XXXX. Checks were ran thru machine to prove it was authentic, half of funds were instantly available. Next day, my accounts were closed. The funds deposited were never returned to me!!! The amount was well over XXXX!!!!! 
Account # XXXX XXXX ( {$11000.00} ) XXXX ( {$12000.00} & {$11000.00} {$11000.00} ) XXXX ( {$12000.00} ) There are more deposits that Im looking for that make total ovsr XXXX XXXX taken from me {$58000.00}. ( based on deposits found )

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 2025-11-14 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One is reporting late payments that are inaccurate and unverifiable. I submitted a written dispute directly to Capital One requesting verification, including billing statements, proof of mailing 21 days before the due date ( 15 U.S.C. 1666b ), disclosures required under 1637 ( b ), payment ledger, and written notice of negative reporting ( FCRA 1681s-2 ( a ) ( 7 ) ).

Capital One has not provided any documentation to support the late payments. The payment history contains inconsistencies and incorrect delinquency reporting. I am requesting that the inaccurate late payments be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, md XXXX Re : Debt Validation and Verification Request XXXX XXXX / FDCPA-809 ( b ) & FCRA Sections 602A, 607B, 611A-1 Account NumberXXXX To Whom It May Concern, I am writing regarding the above-referenced account. Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 602A, 607B, 611A-1, I am requesting full and complete validation and verification of these alleged debts.

Specifically, I am requesting the following documentation : 1. The original signed contract or agreement evidencing my obligation to the original creditor.

2. The complete chain of title, including all transfers, assignments, or sales of this debt, any proof of securitization from the original creditor to your agency.

3. Proof of ownership and authority to collect, including any agreements or instruments showing your legal right to collect this debt.

4. Itemized accounting of the alleged debt, including principal, fees, interest, and any other charges applied.

Additionally, I request that you verify all information being reported to any credit reporting agency is accurate and substantiated. If you can not provide complete verification and documentation within 30 days of receipt of this letter, you are required under FCRA 611 ( a ) ( 1 ) and 607 ( b ) to delete any negative reporting related to this account from all credit bureaus immediately.

Please provide, copies of all requested documentation ; originals are not required. Until such verification is provided, you must cease all collection activity and refrain from further reporting of this account.

Failure to comply with this request may result in a formal dispute with the credit reporting agencies and any other legal remedies available to me under federal law. 

Thank you for your prompt attention. I expect your response within 30 days. 

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 2025-11-14 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: IN

Complaint narrative:
FINAL XXXX DEMAND BEFORE LITIGATION ( FDCPA & FCRA Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance / XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : NOTICE OF INTENT TO FILE SUIT Failure to Validate, False Reporting, Illegal Collection Activity Account : {$370.00} ( Reported Open ) To Whom It May Concern : This correspondence serves as my formal NOTICE OF INTENT TO SUE XXXX XXXX XXXX XXXX XXXX for XXXX violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The information currently being furnished to Equifax, Experian, and TransUnion is false, unverified, misleading, and unlawful. Your agency has continued reporting a disputed, unvalidated, and inaccurately labeled account. 



LEGAL VIOLATIONS COMMITTED BY XXXX XXXX XXXX XXXX. False Creditor Representation FDCPA 807 ( 2 ) ( A ) You are reporting yourselves as : Original Creditor : XXXX XXXX XXXX XXXX XXXX This is false. 
XXXX XXXX XXXX is a third-party collection agency, not a creditor. 

This constitutes : FDCPA 807 ( 2 ) ( A ) FDCPA 807 ( 10 ) FCRA 607 ( b ) ( inaccurate furnishing ) 2. False Account Status Reporting ( OPEN ) On my credit report, you are reporting : Account Status : OPEN Open balance : {$370.00} Debt collectors can not report an account as an open credit line.

This misrepresents the nature of the debt and violates : FDCPA 807 ( deception ) FCRA 607 ( b ) ( accuracy rules ) 3. Continuing to Report During Active Dispute FDCPA 1692e ( 8 ) My credit report clearly states : Consumer disputes this account information. 

Yet your reporting was updated on : XX/XX/year> You continued reporting and updating the tradeline despite receiving notice of dispute. 

This violates : FDCPA 1692e ( 8 ) FDCPA 1692g ( b ) FCRA 623 ( a ) ( 3 ) FCRA 611 ( a ) ( 5 ) ( A ) 4. Failure to Validate the Debt FDCPA 1692g ( b ) You have not provided : Proof of ownership Proof of assignment Evidence of your authority to collect Verification of amount Itemized accounting Contract or agreement Yet you continue : Reporting Updating Attempting to collect This is illegal under FDCPA 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-14 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: MS

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint because my credit report shows late payments that are the result of billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). The creditor failed to properly apply payments, made accounting/computation errors, and did not provide a billing statement at least 21 days before the due date. Under 1666 ( b ) ( 4 ) and ( 5 ), these are defined billing errors and can not legally be reported as late payments. 

I disputed these inaccuracies, but neither the furnisher nor the credit reporting agency has provided any valid documentation proving that a legitimate missed payment occurred. The continued reporting of these late payments is inaccurate, incomplete, and violates my rights under federal law.

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 2025-11-14 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 writing to dispute the following accounts on my credit report as they are inaccurate or incomplete. These accounts are being disputed across the three major bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion ( TU ). Please find the details below for your reference : Charged Off Accounts TU ( TransUnion ) : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$810.00} Inquiries TU ( TransUnion ) : XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX - Date : XX/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 2025-11-14 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: NJ

Complaint narrative:
Good day, This is my final attempt to dispute this account. Following this, I will proceed to civil court in my state of New Jersey to file a claim against your company. I am requesting an investigation and the deletion of this account. I was recently informed that my application for a position was denied due to a fraudulent account that I have previously brought to your company 's attention. I have diligently maintained all records of my previous disputes with your company.

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 2025-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: DC

Complaint narrative:
On XXXX XXXX I ordered a transfer from my external account to SoFi bank savings account. SoFi promised the funds of XXXX $ on XX/XX/XXXX. I logged in and it says its there but NOT AVAILABLE. This means the bank is making errors it should be available as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/year>

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 2025-11-14 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

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