vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
The law firm Hyatt and Hyatt sent a letter around XX/XX/year>, telling me they were going to garnish wages for a debt to XXXX XXXX XXXXXXXX. I contacted Hyatt and stated I would like proof of debt and Hyatt agreed to send me the proof of debt. I didn't hear anything from Hyatt so I assumed the proof wasn't there that I owed the debt. There was the company that owed a debt so I wanted to make sure it wasn't confused with me. On XX/XX/XXXX, I noticed a {$10000.00} garnishment from my savings account. I contacted Hyatt and they said the court authorized a judgement for the amount. However, I never received a service or notice of the court date. In addition, I just learned from the internet, this debt if it is applicable to me could have fallen under an exemption.

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 2025-07-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, I contacted Capital One to dispute unauthorized charges on my debit card. I was told my claim was being reviewed and that I would receive a provisional credit within XXXX business days. 

However, on XX/XX/XXXX, I received an email stating my claim was denied, citing electronic activity or login history, which I do not understand or agree with. I was not provided any evidence to support the denial, and I did not authorize the transaction in question. My debit card had been used at a location I had visited before, but the charge was not made by me. 

I am concerned this investigation was not handled thoroughly and that Regulation E protections were not properly applied. 

I am requesting that the CFPB review this situation and help ensure Capital One properly honors its obligation to protect customers from unauthorized transactions, including issuing the appropriate provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Subject : Request for Debt Forgiveness and Complaint Regarding Collection Practices To : LVNV Funding LLC / Resurgent Capital Services XXXX. XXXX XXXX XXXX, SC XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Re : Request for Debt Forgiveness and Complaint of Unfair Collection Practices Dear Sir or Madam, I am writing in reference to several accounts currently in collection with your agency, LVNV Funding LLC XXXX These debts include the following : LVNV Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charged Off : XX/XX/XXXX Balance : {$1000.00} Acquired by LVNV : XX/XX/XXXX Prior court case dismissed without prejudice : XX/XX/XXXX LVNV Reference Number : XXXX Original Creditor : XXXX ( XXXX XXXX ) Date Opened : XX/XX/XXXX Charged Off : XX/XX/XXXX Balance : {$2700.00} LVNV Reference Number : XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Charged Off : XX/XX/XXXX Acquired by LVNV : XX/XX/XXXX Balance : {$500.00} LVNV Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Charged Off : XX/XX/XXXX Balance : {$490.00} The total debt amount is over {$4800.00}, which far exceeds my monthly income. 

I am currently a recipient of XXXX XXXX XXXX ( XXXX ). My only source of income is {$500.00} per month, and I do not have any other income or assets. I live with the support of my mother, who is my caretaker and benefactor. 

Despite explaining my financial hardship and fixed income situation, your agency proceeded to file a lawsuit against me in New Jersey Court ( Case No. XXXX ). This action feels unnecessarily aggressive and has caused significant emotional and financial distress. 

Moreover, some of these accounts, such as reference number XXXX ( XXXX XXXX  XXXX appear to be extremely old. This debt charged off in XXXX and the previous legal action was dismissed in XXXX. Continuing to pursue collection on this account could be seen as harassment and potentially a violation of the Fair Debt Collection Practices Act ( FDCPA ) and relevant state statutes of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing an account being reported by Jefferson Capital Systems in the amount of {$2600.00}. This collection account is listed as closed but still showing a balance and marked with consistent late payments, which is inaccurate and misleading. 

Additionally, the original creditor is not listed anywhere in the tradeline or payment history, which violates Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), as I have the right to know the name of the original creditor and the details of the debt. 

I never received a debt validation notice or breakdown of the charges, which violates Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). I do not recall receiving any formal notice from Jefferson Capital within the required 5-day window of initial communication.

The tradeline shows payment activity ( orange dots for each month ), despite being listed as closed and despite there being no valid contract or agreement to make payments. This is considered inaccurate furnishing of data, which violates FCRA Section 623.

This misleading reporting is causing significant damage to my creditworthiness and was done without providing me the proper disclosures and verification required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. I discovered unauthorized accounts and credit inquiries on my credit report that I did not initiate or approve. These fraudulent accounts and inquiries have negatively impacted my credit profile and were not opened or requested by me. 

Specifically, I became aware in XX/XX/XXXX that several credit cards and financial accounts were fraudulently opened using my personal information, including with the following companies : XXXX XXXXXXXX ( Account # : XXXX ) Applied Bank ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) XXXX  XXXX XXXX XXXX, XXXX, XXXX, and XXXX, among others. 

In addition, numerous hard inquiries were made on my credit report without my knowledge or authorization. These include inquiries from : XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX, Experian Business, XXXX XXXX XXXX, XXXX, XXXX XXXX, and others between XXXX and XXXX. 

I reported this identity theft to the Federal Trade Commission ( FTC ) and filed an Identity Theft Report under report number XXXX. I am requesting the removal of all fraudulent accounts and unauthorized inquiries from my credit report in accordance with XXXX XXXX. XXXX, which requires consumer reporting agencies to block information resulting from identity theft when proper documentation is provided. 

I am also submitting supporting documentation, including a copy of my FTC Identity Theft Report and proof of identity, to assist with the investigation and resolution of this matter.

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 2025-07-01 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-01 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: AL

Complaint narrative:
As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: OK

Complaint narrative:
XXXX is not mine nor did I sign a contract with this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
Dear Experian Dispute Department, This letter serves as formal notice under the terms of the Experian Consumer Arbitration Agreement and pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, regarding a dispute with an account appearing on my Experian credit file. Date of Birth : XXXX Last Four of SSN : XXXX I am disputing the reporting of the following account Creditor Name : XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX This account is reporting inaccurate and/or unverifiable information on my Experian credit report. I previously submitted a formal dispute requesting a reinvestigation of this account. However, Experian has failed to : 1. Correct or remove the inaccurate information, and 2. Provide a clear method of verification as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are legally obligated to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Continuing to report unverifiable or inaccurate information is a violation of federal law. Please consider this a final attempt to resolve the matter before initiating formal arbitration proceedings. If I do not receive a satisfactory resolution within 30 days of your receipt of this notice, I will proceed to file a claim with the XXXX XXXX XXXX, as outlined in your arbitration clause.

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 2025-07-01 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: WA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: WA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: NJ

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
My account was closed due to the credit card company investigating my other cards. Ive never been late on payments or hardly used it. It was solely used for my pets and I never had issues until they started investigating my other account not with them and making the decision to close my account solely for those purposes. XXXX XXXX is the card in question here. I am very disappointed how this company decides to take away a credit card by investigating other personal cards the consumer has.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: CT

Complaint narrative:
I am filing a formal complaint against KeyBank NA for inaccurate and inconsistent reporting across all three credit bureaus. This account has multiple discrepancies, including varying open dates, high balances, account statuses ( charged off vs. open in dispute ), and credit limits. These conflicts violate the Fair Credit Reporting Act ( FCRA ). Despite mailing a reinvestigation request with supporting screenshots, KeyBank has failed to validate the account or correct the reporting. 

I am requesting the CFPB compel KeyBank to either provide full validation of the account with original documentation or delete the account entirely from all credit bureaus. This inaccurate reporting is materially harming my credit score and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: AZ

Complaint narrative:
A new collection account from XXXX. XXXX XXXX was added to my credit report on XX/XX/year> for a balance of {$320.00}. I did not authorize, open, or validate this debt, and I have never received any written communication or debt validation notice from this company. This account appeared shortly after a previous fraudulent XXXX XXXX  collection was already investigated and removed from my credit profile just last week. 

Its highly suspicious that another XXXXXXXX XXXX account appeared immediately after the first one was deleted, with a different balance. This feels like retaliation or an attempt to re-age the debt using a new account number. 

This violates multiple sections of the Fair Credit Reporting Act : 15 U.S. Code 1681e ( b ) The credit reporting agency and data furnisher are required to maintain maximum possible accuracy.

15 U.S. Code 1681i ( 5 ) Any account that is inaccurate, incomplete, or unverifiable must be deleted from the consumers file.

This account is unverified, fraudulent, and inaccurate. I demand its immediate removal. 

Account Information ( from Experian Report ) : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Responsibility : Individual Date Opened : XX/XX/year> Status : Collection account. {$320.00} past due as of XX/XX/year> Balance : {$320.00} Original Balance : {$320.00} Balance Updated : XX/XX/year> Recent Payment : None Monthly Payment : None

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 2025-07-01 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. I discovered unauthorized accounts and credit inquiries on my credit report that I did not initiate or approve. These fraudulent accounts and inquiries have negatively impacted my credit profile and were not opened or requested by me. 

Specifically, I became aware in XX/XX/XXXX that several credit cards and financial accounts were fraudulently opened using my personal information, including with the following companies : XXXX XXXXXXXX ( Account # : XXXX ) Applied Bank ( Account # : XXXX ) XXXX XXXX ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) XXXX XXXX  ( Account # : XXXX ) XXXX  XXXX XXXX XXXX, XXXX, XXXX, and XXXX, among others. 

In addition, numerous hard inquiries were made on my credit report without my knowledge or authorization. These include inquiries from : XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX, Experian Business, XXXX XXXX XXXX, XXXX, XXXX XXXX, and others between XXXX and XXXX. 

I reported this identity theft to the Federal Trade Commission ( FTC ) and filed an Identity Theft Report under report number XXXX. I am requesting the removal of all fraudulent accounts and unauthorized inquiries from my credit report in accordance with XXXX XXXX. XXXX, which requires consumer reporting agencies to block information resulting from identity theft when proper documentation is provided. 

I am also submitting supporting documentation, including a copy of my FTC Identity Theft Report and proof of identity, to assist with the investigation and resolution of this matter.

Company response to consumer: Closed with non-monetary relief