vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
I am writing to bring to your attention a serious matter related to my consumer rights, which, I believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 

In this context, I had previously asked for a verification of a debt that is purportedly owed by me along with a contract bearing my explicit signature establishing my liability towards the debt. Your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 

In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

Please note that the legal concept of " estoppel by silence '' implies that your failure to respond with the information requested, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary.

I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action. 

Thank you for your immediate attention to this matter. 

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX inaccurate and misleading reporting of account # XXXX on my credit reports. 

XXXX XXXX  is currently reporting this account as a charge-off, yet the payment history does not support this status. The account never shows any period of being 120180 days late, which is the typical threshold before a creditor can lawfully classify an account as a charge-off under industry standards. Instead, the history shows a 60-day delinquency, followed by status codes RF and then CO, without any documented escalation of delinquency.

Additionally, there are duplicate and conflicting delinquencies in the payment history : Both XX/XX/XXXX and XX/XX/XXXX are marked 30 days late, which is not possible if only XXXX monthly payment was missed. 

Similarly, both XX/XX/XXXX and XX/XX/XXXX show XXXX lates, again suggesting the reporting is inaccurate or misleading. 
These discrepancies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires information to be reported with maximum possible accuracy.

To date, I have also never received any documentation from Chrysler Capital validating the debt, verifying the reported balance, or showing formal correspondence notifying me of the charge-off. This lack of verification and communication raises additional concerns under both the FCRA and FDCPA, particularly with respect to debt validation and notification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an auto-related collection account reported by XXXX XXXX XXXXXXXX XXXX on my Equifax credit report. 

Although the account has been marked as paid, it is still actively reporting with misleading and inaccurate information. Specifically, the first delinquency is listed as occurring in XXXX, when in fact, my first delinquency was in XXXX. This misrepresentation directly affects the credit reporting period under the FCRA, and as such, this account should no longer be reporting. 

In addition, during the XXXXOVID-19 pandemic, my payments were placed into deferment, and I was protected under the CARES Act. No late payments should have been reported during that time. Reporting late activity despite a federally protected deferment further demonstrates noncompliance with both the FCRA and federal COVID relief guidelines. 

Lastly, because this account involved a voluntary repossession, XXXX XXXX XXXX XXXX is also subject to UCC Article 9, which requires : Written notice of repossession and intent to sell An accounting of the balance Notice of sale terms and date Documentation showing how proceeds were applied I have not received any of these required documents. 

Given the misleading delinquency date, the age of the account, and failure to honor consumer protections under both FCRA and UCC, I am demanding that this account be immediately deleted from my Equifax credit report. Continued inaccurate reporting will result in my pursuit of monetary relief. 

Please respond via the CFPB portal only to maintain a formal record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MD

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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB comp

laint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that yo
u, the XXXX  credit reporting agency, 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 XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have hard inquiries on my credit that I am in unaware and its doing some damage to my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: IA

Complaint narrative:
b'CFPB Rebuttal & Escalation Letter\nTo be submitted to CFPB Portal & mailed to relevant agencies\n\nDate: XXXX XXXX XXXX:\nConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: Formal Rebuttal  CFPB Case #: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXReference Number: XXXXTo Whom It May Concern:\n\nThis is my formal rebuttal and demand for full enforcement of my rights under the FCRA, FDCPA, TILA, and U.S. consumer protection laws.\n\nDespite submitting multiple disputes and documentation, XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide:\n\nA signed contract or agreement with my wet signature\n\nA full itemized accounting or ledger per GAAP\n\nProof of a chain of title and ownership rights to collect\n\nEvidence that the debt is not time-barred under Iowa law\n\nA valid license to collect in the State of Iowa\n\nAny disclosure regarding securitization or monetization of the debt\n\nThey continue to rely on template responses that do not comply with the requirements of 15 U.S.C.  1692g,  1681s-2, or  1681i. Their refusal to provide material verification while continuing to report this debt is not only unlawful but demonstrates willful noncompliance.\n\nI have also requested IRS Form 1099-C or proof the debt has not been discharged via Treasury offset or secondary markets. Their attempt to redirect responsibility shows a lack of transparency.\n\n Final Demand:\nI now formally request that XXXX XXXX XXXX and XXXX XXXX XXXX be compelled to provide complete validation of the alleged debt or that the account be deleted from all consumer credit files at Experian, XXXX, and XXXXXXXXIf action is not taken within 15 business days, I will:\n\nFile formal complaints with the Federal Trade Commission (FTC)\n\nSubmit documentation to the Iowa Attorney General\n\nEscalate to the U.S. Department of Justice Consumer Protection Division\n\nInitiate a civil suit for damages due to willful violations of the FCRA and FDCPA\n\nThank you for your attention to this matter. I request that you notify me immediately upon resolution and provide confirmation of any regulatory enforcement actions.\n\nSincerely,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 2025-06-23 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: IA

Complaint narrative:
b'CFPB Rebuttal & Escalation Letter\nTo be submitted to CFPB Portal & mailed to relevant agencies\n\nDate: XXXX XXXX XXXX:\nConsumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXXFrom:\XXXX XXXX XXXX XXXX XXXX XXXXRE: Formal Rebuttal  CFPB Case #: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nReference Number: XXXXXXXXTo Whom It May Concern:\n\nThis is my formal rebuttal and demand for full enforcement of my rights under the FCRA, FDCPA, TILA, and U.S. consumer protection laws.\n\nDespite submitting multiple disputes and documentation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX have failed to provide:\n\nA signed contract or agreement with my wet signature\n\nA full itemized accounting or ledger per GAAP\n\nProof of a chain of title and ownership rights to collect\n\nEvidence that the debt is not time-barred under Iowa law\n\nA valid license to collect in the State of Iowa\n\nAny disclosure regarding securitization or monetization of the debt\n\nThey continue to rely on template responses that do not comply with the requirements of 15 U.S.C.  1692g,  1681s-2, or  1681i. Their refusal to provide material verification while continuing to report this debt is not only unlawful but demonstrates willful noncompliance.\n\nI have also requested IRS Form 1099-C or proof the debt has not been discharged via Treasury offset or secondary markets. Their attempt to redirect responsibility shows a lack of transparency.\n\n Final Demand:\nI now formally request that XXXX XXXX XXXX and XXXX XXXX XXXX be compelled to provide complete validation of the alleged debt or that the account be deleted from all consumer credit files at XXXX XXXX, and Equifax.\n\nIf action is not taken within 15 business days, I will:\n\nFile formal complaints with the Federal Trade Commission (FTC)\n\nSubmit documentation to the Iowa Attorney General\n\nEscalate to the U.S. Department of Justice Consumer Protection Division\n\nInitiate a civil suit for damages due to willful violations of the FCRA and FDCPA\n\nThank you for your attention to this matter. I request that you notify me immediately upon resolution and provide confirmation of any regulatory enforcement actions.\n\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

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 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 2025-06-23 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-23 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: MA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
The company XXXX threatened to have my credit damaged even after I talked an told them that I was never informed about owing them money or why I owed them money. I feel this is very troubling to be charged for something I was unaware of. Also this was removed from my credit but was placed back on there for some unknown reason.

There is a hospital bill on my credit that I have no knowledge of an I disputed it but the dispute came back unknown but it is still on my credit report. I have researched that hospital bills arent suppose to be reported to credit but this unknown bill has been so I ask for help with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-06-23 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently paid off my Capital One credit card in full over {$6700.00} to eliminate my balance and get out of debt. A few days later, I was charged a {$130.00} interest fee, which Capital One is calling residual interest from the previous billing cycle. 

I contacted customer service and requested a one-time courtesy waiver of the charge. I explained that I had just paid off the full balance and was making a good-faith effort to resolve my debt. Both the representative and the supervisor refused to offer any adjustment. 

This feels like an unfair penalty on a customer who has acted responsibly. I am requesting that Capital One reverse this charge as a one-time goodwill adjustment and acknowledge the effort it took to pay off the balance in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My accounts were over drafted and shut down without giving me time to go over my transactions to see if they were even accurate.

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