vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 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: IL

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Equifax credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If Equifax can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX To : Midland Credit Management , Inc . 
XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX ( Alternate address : XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX ) Subject : Formal Cease and Desist Demand Under the FDCPA To Whom It May Concern, This letter is a formal request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that Midland Credit Management , Inc. and any of its representatives or affiliates cease and desist all communication with me regarding the alleged debt you claim I owe.

I do not wish to be contacted by phone, mail, email, or through any other means at my home, workplace, or any third-party location. If you believe that the alleged debt is valid, I demand that you provide full written validation of the debt in accordance with 15 U.S.C. 1692g ( b ). Until such documentation is provided, you are to suspend all collection activities, including but not limited to contact attempts, credit reporting, and legal threats.

This notice applies to any further collection activity related to any alleged debt, whether currently active or pursued in the future, unless you comply fully with the verification provisions required by law.

Please understand that failure to honor this demand may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue civil legal action against your company for any further violations of my rights. 

This letter is written without admission of any liability or acknowledgment of any alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
Company : Cavalry Portfolio Services , LLC ( collector for XXXX ) Account : # XXXX | Amount : ~ {$6300.00} | Consumer : XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX On XX/XX/year>, Cavalry responded to my CFPB dispute and stated it doesnt have to provide required documentation. I was never properly served in any lawsuit and never retained an attorney ( their claim is false ). Cavalry continues furnishing a collection tradeline without lawful validation, in violation of FDCPA 1692g ( b ) ( validation ), 1692e ( 2 ) ( A ) and 1692e ( 8 ) ( misrepresenting legal status/communicating false credit info ). This reporting is inaccurate and unverifiable under FCRA 1681e ( b ) ( maximum accuracy ), 1681i ( reinvestigation ), and 1681s-2 ( b ) ( furnisher duties ), and it fails Metro 2 accuracy standards.

I specifically requested : original agreement, chain of title/assignments, itemized balance, CRA reporting authorization, and statute-of-limitations proof. Cavalry refused to provide them yet keeps reporting. Courts ( e.g., Cushman v. TransUnion ; Saunders v. BB & T ) hold that unverifiable/misleading tradelines must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The bureaus are willfully complicit in aiding in fraud by reporting inaccurate information that I never consented to. They have not produced sufficient documentation including original signed contracts and itemized billing records violating these law codes : * * 15 U.S.C. 1681b * * You may not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose.

* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with 15 U.S.C. 1681eb * * * 15 U.S.C. 1681s-2 ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as 100 % accurate.

* * 15 U.S.C. 1681i * * You are required to complete an investigation within * * 30 days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *.

* * 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must block the information within XXXX business days and stop reporting it to third parties.

* * 115 U.S.C. 1681s-2 ( a ) ( 6 ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft.

* Once I send ID theft report, you must stop furnishing that information to CRAs.

Also in accordance with 15 U.S.C. 1681e ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file.

* Reporting fraudulent accounts is a failure of reasonable procedures.

* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly.

1. FCRA 609 ( 15 USC 1681g ) Right to Access Information- didnt disclose source Failure to comply within 15 days of receipt of this letter will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney Generals Office, and I will consider civil legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

They are willfully complicit in fraud because I have disputed this before and these fraudulent items are still reporting despite proper documentation being available to them for removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
The bureaus are willfully complicit in aiding in fraud by reporting inaccurate information that I never consented to. They have not produced sufficient documentation including original signed contracts and itemized billing records violating these law codes : * * 15 U.S.C. 1681b * * You may not furnish or maintain data on a consumer report without a * * permissible purpose * *. I demand proof of such purpose.

* If an identity thiefs inquiry or account was not initiated by me, it has been obtained without a permissible purpose, making it unauthorized and not accurate in compliance with 15 U.S.C. 1681eb * * * 15 U.S.C. 1681s-2 ( b ) * * The furnisher of this data is obligated to conduct a reasonable investigation upon notice of a dispute and must * * delete * * any data that can not be verified as 100 % accurate.

* * 15 U.S.C. 1681i * * You are required to complete an investigation within * * 30 days * * of receiving this dispute. If the data can not be verified, you must * * delete it immediately * *.

* * 15 U.S.C. 1681c-2 Blocking Information Resulting from Identity Theft Once I provide : * Proof of identity * A copy of an Identity Theft Report ( from the FTC or police ) * A written statement specifying the accounts in dispute The CRA must block the information within XXXX business days and stop reporting it to third parties.

* * 115 U.S.C. 1681s-2 ( a ) ( 6 ) Duties of Furnishers Regarding Identity Theft * Creditors ( furnishers of information ) can not report information if they know or have reasonable cause to believe it results from identity theft.

* Once I send ID theft report, you must stop furnishing that information to CRAs.

Also in accordance with 15 U.S.C. 1681e ( b ) * The CRA is legally obligated to ensure the accuracy of your credit file.

* Reporting fraudulent accounts is a failure of reasonable procedures.

* I have provided proof of identity theft ( FTC report ) * By law, they must delete this data promptly.

1. FCRA 609 ( 15 USC 1681g ) Right to Access Information- didnt disclose source Failure to comply within 15 days of receipt of this letter will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and State Attorney Generals Office, and I will consider civil legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

They are willfully complicit in fraud because I have disputed this before and these fraudulent items are still reporting despite proper documentation being available to them for removal.

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 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: NC

Complaint narrative:
I am facing foreclosure in North Carolina. The foreclosure notice filed in court lists XXXX XXXX XXXX as the holder of my mortgage. However, XXXX also sent me a letter stating that XXXX XXXX is the owner of my mortgage, and the XXXX XXXX loan lookup confirms XXXX XXXX is the investor. This is a direct contradiction. I believe XXXX is misrepresenting itself as the noteholder. This creates confusion and is a fraudulent misrepresentation in a foreclosure case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Companies : Experian, Equifax, TransUnion Issue : Inaccurate credit reporting ; Improper reinvestigation ; Furnisher failure to validate Account : XXXX XXXX XXXX XXXX XXXX / XXXX Acct # XXXX I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report a XXXX XXXX XXXX XXXX XXXX collection account ( # XXXX ) that is inaccurate, misleading, and unverifiable, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/XXXX, XXXX responded to my CFPB dispute and admitted that it does not have to provide required documentation to validate the debt. XXXX refused to produce : The original credit agreement/contract, Chain of title and assignment records, Forward flow agreements, Itemized accounting of the alleged balance, CRA reporting authorization, Proof of Statute of Limitations compliance, and Prior dispute investigation records. 

Despite XXXX admission, the CRAs continue to publish this tradeline, violating : FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) : Failure to provide validation after written dispute.

FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) : False representation of legal status and furnishing false credit information.

FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i : Failure to conduct a reasonable reinvestigation of disputed information. 

FCRA 1681s-2 ( b ) : Furnishers duty to investigate and correct inaccurate or unverifiable data.

This conduct has caused significant harm to my creditworthiness, ability to secure financing, and reputation. Courts have consistently ruled that unverifiable or misleading reporting violates federal law : Cushman v. TransUnion ( 3d Cir. 1997 ) held that CRAs must go beyond parroting furnishers ; Saunders v. BB & T ( 4th Cir. 2008 ) confirmed technically accurate but misleading reporting violates the FCRA ; Bradshaw v. BAC Home Loans ( D. Or. 2011 ) held that unverifiable debts can not be reported. 

By maintaining this tradeline after XXXX refusal to validate, Experian, Equifax, and TransUnion are willfully reporting false and misleading information, exposing both XXXX  and the CRAs to liability under 15 U.S.C. 1681n, 1681o, and 1692k for statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited my paycheck in the amount of {$5800.00} with USAA. Out of that deposit, USAA released only {$500.00} and placed a hold on the remaining {$5300.00} until XX/XX/year>. I have been a member of USAA for 24 years and have never deposited a bad check during that time. There is no reasonable justification for such a lengthy hold. 

When I contacted the XXXX XXXX, I was told that the computer had placed the hold and that nothing could be done to release the funds sooner. I then received a call from Executive Escalations, but the representative only explained the supposed legal reasons USAA claims allow them to hold my money for nine days. No resolution or assistance was offered. 

This is not an isolated event. USAA has frequently held the majority of my paycheck for seven days or more, even after the funds should have cleared. These delays have put me at risk of overdraft fees, late bill payments, and other financial harm. 

I believe USAAs practice of holding such a large portion of deposited paychecks for extended periods is abusive and inconsistent with the intent of the Expedited Funds Availability Act ( Regulation CC ). For a bank that markets itself as serving veterans and their families, this practice is unacceptable and harmful to members who depend on timely access to their income.

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 2025-09-03 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Mother ( Decedent ) XXXX XXXX XXXX, Account # XXXX On XX/XX/XXXX, I added my name to my Mother 's checking account as her POA. My Mother died XX/XX/XXXX, XXXXI notified the local branch in XXXX XXXX to XXXX XXXX XXXX I presented in person, and via email, my Mother 's Death Certificate. On XX/XX/XXXX he called me and asked me to come in to withdraw the remaining funds, which I did. He told me that they were waiting for the SSA to take back my mother 's social Security payment and then 3 days later they did. I went back to close it, there was XXXX cents interest which he paid me for and then said they could not close it for a few weeks. It had been almost a month so I sent a Certified letter on XX/XX/XXXX, the bank never accepted the letter, which is strange for a business the size of Chase to do. It's now the end of the first week of XXXX, and the account has still not been closed. 
I am filing a law suit for my pain and suffering. It is inexcusable to do this to someone who has been deeply grieving for the last several weeks. Chase has zero empathy and I want them to pay for this. 
I have documentation for everything that I have stated above. I will sue immediately. 

XXXX XXXX son and Only Living Heir of my Mother

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$390.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$64.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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