vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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 continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Date : XX/XX/year> TO : XXXX JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation under the FDCPA Dear Jefferson Capital System I am writing in response to a letter received on XX/XX/year> regarding an alleged debt. I am requesting that you provide proper validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a breakdown of interest, fees, or other charges. 
3. A copy of the original contract or agreement that shows I am legally obligated to pay the debt.

4. Verification that you are licensed to collect debts in my state and proof of your authorization to collect this particular debt.

5. A detailed accounting of the debt, including the date of the original debt and the date of last payment.

Please consider this letter a formal request to cease all collection activities until you provide the requested documentation. If you do not respond within 30 days, or if you continue collection efforts without validating the debt, you will be in violation of the FDCPA. 

I also request that you cease all phone contact with me and only communicate with me in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: IL

Complaint narrative:
I am writing to dispute the late-payment notation ( s ) reported on the above-referenced account. 
These derogatory notations remain after my previous dispute on XX/XX/2025 and were verified without any supporting proof that the payments were in fact late. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) & ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), once an item is disputed the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified as accurate.

In addition, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits any furnisher of information from reporting data they know or should know is inaccurate.

The continued reporting of these late-payment marks without proof of delinquency constitutes a violation of these provisions. 

I demand that you provide, pursuant to 1681i ( a ) ( 6 ) ( B ) ( iii ) : 1.A full description of the procedures used to verify the alleged late payments ; and 2.Copies of original payment records or account historiesfrom the creditornot merely a computer printout, establishing the date the payment became due and the date it was received. 

If you can not provide documented evidence proving that the payments were actually late, you must immediately delete the late-payment notations from my credit file in compliance with FCRA 1681i ( a ) ( 5 ) ( A ).

Please provide written confirmation of the deletion or furnish the requested documents within 30 days of receipt of this letter as required by law.

Failure to comply may constitute continued willful non-compliance under the FCRA and may also violate 15 U.S.C. 1692e of the FDCPA regarding false or misleading representations of a debt. 

Thank you for your prompt attention. 

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 2025-09-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the late-payment notation ( s ) reported on the above-referenced account. 
These derogatory notations remain after my previous dispute on XX/XX/2025 and were verified without any supporting proof that the payments were in fact late.

Under 15 U.S.C. 1681i ( a ) ( 1 ) & ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), once an item is disputed the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified as accurate.

In addition, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits any furnisher of information from reporting data they know or should know is inaccurate.

The continued reporting of these late-payment marks without proof of delinquency constitutes a violation of these provisions. 

I demand that you provide, pursuant to 1681i ( a ) ( 6 ) ( B ) ( iii ) : 1.A full description of the procedures used to verify the alleged late payments ; and 2.Copies of original payment records or account historiesfrom the creditornot merely a computer printout, establishing the date the payment became due and the date it was received.

If you can not provide documented evidence proving that the payments were actually late, you must immediately delete the late-payment notations from my credit file in compliance with FCRA 1681i ( a ) ( 5 ) ( A ).

Please provide written confirmation of the deletion or furnish the requested documents within 30 days of receipt of this letter as required by law.

Failure to comply may constitute continued willful non-compliance under the FCRA and may also violate 15 U.S.C. 1692e of the FDCPA regarding false or misleading representations of a debt. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I submitted disputes to the credit reporting agencies regarding inaccurate and unverifiable information appearing on my credit reports. Despite providing notice, the agencies failed to conduct a proper reinvestigation and continue to report information that is not in compliance with Metro 2 standards. This violates the Fair Credit Reporting Act ( FCRA ), including sections 1681i and 1681e ( b ), which require reasonable reinvestigation and maximum possible accuracy.

Additionally, my non-public personal information has not been properly safeguarded, in violation of the Gramm-Leach-Bliley Act ( GLBA ). I have suffered harm due to their negligence, including denial of credit opportunities and emotional distress.

I am requesting that the Consumer Financial Protection Bureau hold the credit reporting agencies accountable and require them to delete all inaccurate, unverifiable, and non-Metro 2 compliant information from my file and provide me written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I submitted disputes to the credit reporting agencies regarding inaccurate and unverifiable information appearing on my credit reports. Despite providing notice, the agencies failed to conduct a proper reinvestigation and continue to report information that is not in compliance with Metro 2 standards. This violates the Fair Credit Reporting Act ( FCRA ), including sections 1681i and 1681e ( b ), which require reasonable reinvestigation and maximum possible accuracy.

Additionally, my non-public personal information has not been properly safeguarded, in violation of the Gramm-Leach-Bliley Act ( GLBA ). I have suffered harm due to their negligence, including denial of credit opportunities and emotional distress.

I am requesting that the Consumer Financial Protection Bureau hold the credit reporting agencies accountable and require them to delete all inaccurate, unverifiable, and non-Metro 2 compliant information from my file and provide me written confirmation of 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 explanation
Consumer complaint received 2025-09-30 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have no supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXXXXXX XXXX  balance {$0.00}, XXXX XXXX XXXXXXXX XXXX {$530.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$650.00}XXXX XXXX XXXX balance {$440.00}, XXXX XXXX  balance {$480.00}, XXXX XXXX XXXX XXXX balance {$3400.00}, XXXX XXXX XXXX balance {$1400.00}, XXXXXXXX XXXX balance {$1000.00}.

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 2025-09-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
I was charged for outstanding rent after a leasing office had not updated my ledger. The account was sent to collections with out updating the in. I called multiple times to have it updated. I also sent Certified letters and received no response. This account is still in collection and has negatively impacted my credit and caused me to not be able to move. The account is still being reported incorrectly and I have not received verification of the dispute or a response to the Certified letter. Its been about 3 months since all letter were sent. Id like to file a complaint hand have this removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the XXXXonsumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BK OF AMER s failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Experian and Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BK OF AMER has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. BK OF AMER 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 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I contacted Comenity to dispute the balance and enter into a settlement agreement. There was over {$1200.00} in late fees and interest charges. The balance was over {$2000.00} when the credit limit was only {$100.00}. I was denied. 
In XX/XX/XXXX, I was promised by an agent that if I entered in a specific payment agreement for a short term of three months, all the late fees and interest charges will be refunded. I have been in the agreement, paying the monthly fee for over six months and I have not received the promised refund of late fees and interest. 
In XX/XX/XXXX, I sent a another letter dispute the balance and reminding the company about the agreement made in XX/XX/XXXX. Currently, I have not received any response to my letter. The balance is a total fraud. How can an account with {$100.00} credit balloon to a balance over {$2000.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Additional Complaint Against USAA Federal Savings Bank Refusal to return payment funds for {$220.00}, which USAA auto deducted on XX/XX/year> after the Auto Loan No XXXX with USAA had been paid out by XXXX on XX/XX/year>. The payment of {$220.00} was additionally deducted the following day from my USAA checkings account XXXX on XX/XX/year> and in a cynical and sardonic manner USAA associates pretend that this was a devolution of the payment taken, when in fact it is the payment subject to this complaint, which had been taken arbitrarily from my account as a payment for the loan that was payout the day before. 
Similarly, USAA omitted and ignored my requests throughout the years to reissue the overpaid amount in insurance premiums for the amount of {$79.00} ( check no. XXXX XXXX XXXX attached ) since I was not able to cash it due to severe medical procedures that prevented me from conducting any personal finances on my own. Please note that I am a XXXX veteran with service-connected disabilities rated at 100 % .In addition, be aware that my USAA debit card , visa card ending in XXXX has been cancelled due to unauthorized transactions reported since XX/XX/year>, and it is unlikely that USAA will replace it on time, as it is evident that somebody from this institution wants to inflict financial and psychological hardship on my person, thus illegally plundering at my expense.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: FL

Complaint narrative:
This company is illegally reporting fraudulent activity to my XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Central Research Inc
State: NC

Complaint narrative:
Dear CFPB, I am submitting this formal complaint regarding inaccurate credit reporting by CENTRAL RESEARCH INCXXXX on my credit report. 
Account Details : Creditor : CENTRAL RESEARCH INCXXXX Account Number ( last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Terms : 120 months Reported Delinquencies : 90 days past due ( XX/XX/XXXX ), 120 days past due ( XX/XX/XXXX ) Nature of Dispute : I dispute the 90-day and 120-day past due status reported on my education loan account for the following reasons : I never received billing statements due to a change of address. 
I notified the creditor about my address change, but did not receive updated bills. This caused confusion and a delay in my payment. 
Previous investigations concluded consumer disagrees, but the reporting remains inaccurate and harmful to my credit. 
The failure to properly notify me and send bills should be taken into account, as I was unable to make timely payments through no fault of my own. 
Requested Resolution : I request that CFPB require CENTRAL RESEARCH INCXXXX to XXXX Correct or remove the inaccurate 90-day and 120-day delinquency reporting from my credit history. 
Update the account status to reflect my good faith effort to pay once I became aware of the missed bills. 
Ensure corrected information is sent to all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 
Supporting Documentation : I have documentation regarding my address change and payment history, which I am happy to provide upon request. 
I appreciate your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 


I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief