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: 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:
Recently, I submitted an investigation and dont agree with the accounts list below on my credit report, even after the investigation. I would like these accounts immediately reinvestigated. These inaccuracies are highly injurious to my credit rating.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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: 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:
Recently, I submitted an investigation and dont agree with the accounts list below on my credit report, even after the investigation. I would like these accounts immediately reinvestigated. These inaccuracies are highly injurious to my credit rating.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about who the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my report, immediately : XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing an alleged XXXX XXXX. account that Portfolio Recovery Associates , LLC is attempting to collect. On XX/XX/2025, I sent a formal Enforcement & Chain of Custody Demand by certified mail. Their prior response dated XX/XX/2025 was legally insufficient under the FDCPA ( 15 U.S.C. 1692g ( b ) ) and the FCRA ( 15 U.S.C. 1681i, 1681s-2 ) because they failed to provide an unbroken chain of custody proving lawful ownership and the right to collect.

Specifically, PRA has not produced : The original signed contract/agreement.

A complete, itemized accounting of all alleged balances. 
Purchase agreements, assignments, or bills of sale showing each transfer of rights from XXXX to PRA.

Documentation establishing compliance with XXXX XXXX credit reporting standards. 

Continued collection and reporting without full validation violates the FDCPA, FCRA, and constitutes deceptive and unfair practices. I request immediate investigation, deletion of this account from my credit reports, and appropriate regulatory action against PRA.

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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX reported a 90day delinquency on my XXXX XXXX XXXX account. I disputed this because I never received proper notice they had an outdated address on file that I have not lived at since 2015. They also sent me a copy of my Master Promissory Note, but it listed XXXX XXXX XXXX as the school ( which closed years ago and is not the school I attended ) and the same outdated address. 

I have repeatedly asked XXXX and the Department of Education to correct or remove this negative remark, but each time my case is closed without resolution. XXXX continues to point to the XXXX Promissory Note, but that document itself is inaccurate and can not be relied on for reporting. 

This error is damaging my credit. I take my credit seriously and have been making payments on time. I want this inaccurate delinquency removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to appeal the decision to close my claim related to an error that occurred at a Wells Fargo ATM on XX/XX/year>. 

That day, I deposited {$2000.00} in cash. The ATM credited {$1700.00} to my account and refunded me {$100.00}, but never released the remaining {$200.00}. In total, {$200.00} is missing from the transaction. 

I understand that I filed the claim a few days later, but the delay was due to the belief that the bank would refund the money to my account. Please check the ATM on XX/XX/XXXX. However, this error was caused by the machine and not by me, so I respectfully request that you review my case again. 

I kindly ask you to : 1. Review the ATM audit trail for the date and time of my transaction. 
2. Confirm with internal records that the machine did not dispense the full amount of cash.

3. Reconsider closing the claim and credit the missing {$200.00} to my account.

Thank you in advance for your attention and look forward to a written response. 

Sincerely, XXXX XXXX Account Number : XXXX Claim Case Number : XXXX The bank closed my case and didn't give me my money.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint against Experian for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent JPXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryExperian has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Experian to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). 
The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX Sent NOTICE OF NONCOMPLAINCE & INTENT TO FILE SUIT/COMPLAINT XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Dispute Letter XX/XX/XXXX Sent Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XX/XX/XXXX Sent Formal Dispute of Inaccurate Credit Reporting under the FCRA Request for Immediate Investigation and Correction XX/XX/XXXX Sent Formal Complaint Regarding FCRA and CCRAA Noncompliance XX/XX/XXXX Sent Legal Demand for Deletion FCRA Violations and Identity Theft Dispute These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures XXXX Experian has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. 
Experians continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

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: CT

Complaint narrative:
I am disputing a late payment entry that has been inaccurately reported. My personal records clearly confirm that all payments were made on time, and the reported entry is not supported by factual evidence. This error presents an unfair and misleading reflection of my financial reliability and creates unnecessary obstacles in my credit profile.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Despite numerous times asking this company to stop calling, on XX/XX/year> they called my phone five ( 5 ) times from 5 different numbers at XXXX XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report. I previously submitted a dispute to TransUnion under FCRA 611 ( 15 U.S.C. 1681i ), requesting a reinvestigation of the following inaccurate entries on my credit file. Despite providing supporting documentation proving the inaccuracies, TransUnion has failed to conduct a reasonable and timely reinvestigation. The erroneous information remains on my credit report, causing damage to my creditworthiness. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} This issue falls under FCRA 611 ( 15 U.S.C. 1681i ), which requires a fair reinvestigation of disputed information. The failure to conduct a reasonable investigation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Obligation to reinvestigate disputed information.

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

FCRA 1681i ( a ) ( 5 ) : Removal of unverifiable 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 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate information on my credit report. I previously submitted a dispute to TransUnion under FCRA 611 ( 15 U.S.C. 1681i ), requesting a reinvestigation of the following inaccurate entries on my credit file. Despite providing supporting documentation proving the inaccuracies, TransUnion has failed to conduct a reasonable and timely reinvestigation. The erroneous information remains on my credit report, causing damage to my creditworthiness. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} This issue falls under FCRA 611 ( 15 U.S.C. 1681i ), which requires a fair reinvestigation of disputed information. The failure to conduct a reasonable investigation violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) : Obligation to reinvestigate disputed information.

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

FCRA 1681i ( a ) ( 5 ) : Removal of unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Southern Auto Finance Co
State: FL

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX my car financed through SAFCO was repossessed in the XXXX parking lot on XXXX XXXX in XXXX, FL. The repossession agent, affiliated with phone number ( XXXX ) XXXX, lifted the vehicle while I was still inside. When I explained that I was recovering from a XXXX XXXX XXXX he ignored me and insisted on taking the car. I felt forced to jump out while it was suspended, which was unsafe. I had to remove my belongings while the car was lifted, and I was unable to recover critical documents ( Social Security card and birth certificate ) that remain in the vehicle. 

I was stranded for 24 hours, had to call a friend to drive over four hours to pick me up, and later had to borrow money to rent a car to search for work. I also contacted the company to go through the redemption process and was prepared to borrow funds to pay the balance, but they refused to allow redemption. 

This repossession involved a breach of the peace, endangerment to my safety, failure to protect my personal property, and denial of redemption rights. I am requesting an investigation, assistance in retrieving my documents, and accountability from SAFCO and the repossession company for the damages and stress caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I use Robinhood as my main source for direct deposit payments and they recently closed my account, I can not withdraw or use my funds I still have remaining, they will not respond and will not give me a reason as why my account is closed and restricted from withdrawing, I have no way to contact as they closed my account, I have sent plenty of emails and they have yet to respond to withdraw my remaining funds in there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to formally request that LVNV Funding LLC immediately cease and desist all communication with me regarding the above-referenced alleged debt, which I dispute in full. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

I do not acknowledge this debt and hereby demand that you cease all contact with me via phone, mail, email, or any other form of communication. If you have not already done so, you are required by federal law to provide a full and complete validation of the debt, including : The name and contact information of the original creditor A complete account history Documentation showing XXXX XXXX LLCs legal right to collect on this debt Proof of the amount allegedly owed Proof of license to collect in my state Documentation proving legal transfer/assignment of the debt to your company Failure to comply with this cease and desist request will constitute a violation of federal law and may result in legal action. I reserve the right to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. Any further contact from your agency beyond acknowledgment of this letter or delivery of proper debt validation may be interpreted as harassment. 

This letter does not constitute an acknowledgment of any debt, nor does it waive any of my rights under the FDCPA or other applicable federal or state laws. 

You are hereby directed to cease and desist all further collection activity and communication with me, effective immediately. 

Sincerely, XXXX XXXX

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a documented victim of the Equifax Data Breach and identity theft, I am invoking my rights under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This federal law requires the credit reporting agencies to block and remove all information resulting from identity theft, including negative collection accounts, hard inquiries, public records, and any other fraudulent accounts. I demand full enforcement of this statute and immediate removal of all such items from my credit file.

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: EQUIFAX, INC.
State: NE

Complaint narrative:
Soon looking at my credit report I noticed that XXXX XXXX was on my report in the amount of {$140.00} account number is XXXX. This is not my account and has to be removed I have filed a fraud case on this. There is no way this could have been verified. Also on my credit report is collections by XXXX XXXX  ACCOUNT NUMBERS XXXX with amount {$400.00} as well as account number XXXX in the amount is {$430.00} as well as account number XXXX in amount of {$630.00}. None of these accounts are mine and can not possible be verified. XXXXXXXX XXXX XXXX is also on my report the account number is XXXX in the amount is {$730.00} TransUnion and experian have also removed them please by law this need to be removed from my credit report failure to do so will result in filing a law suit against equifax

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation